Chula Vista cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexChula VistaCaliforniaNational
Cost of living index136138100
IndexChula VistaCaliforniaNational
Goods & Services index103110100
Groceries index114115100
Health care index107109100
Housing index195196100
Transportation index123125100
Utilities index117114100
A general summary of the cost of living index in Chula Vista, CA is shown above. Compared to the state average of California the cost of living index in Chula Vista, CA is 136, which is 2% lower than the average in California and compared to the national average it is 36% higher than. The cost of living index is made up of several categories. These are transportation at 9%, utilities at 10%, goods and services at 33%, housing at 30%, groceries at 13%, and health care at 5%. The bulk of the cost of living index comes from the categories of goods and services and housing. If you look at everyday goods and services they can be a good indicator in a certain city of the general costs of goods there. In Chula Vista, CA goods and services come in at 6% lower than the average in California and are 3% higher than compared to the nationwide average.

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Did you know?

  • The cost of living in Chula Vista is 2% lower than the California average.
  • The cost of living in Chula Vista is 36% higher than the national average.
  • The cost of housing in Chula Vista is 95% higher than the national average.
  • California general sales tax is 42% higher than the national average.
  • California state income tax is 55% lower than the national average.

Real Estate Listings In Chula Vista

Compare Chula Vista, CA Cost of living To Other Cities

Salary Calculator

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Use the salary calculator to compare your current income in Chula Vista, CA to any other city in the country. The calculator will tell you how much income you would need to make in a particular city to live at the same level based on the cost of living in each city. For example, if the cost of living in the city you are looking to move to is higher than that of Chula Vista, CA, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the Chula Vista, CA salary calculator, enter the name of the new city, then move the slider to your current salary level. The salary calculator will do the rest and let you know if your salary would need to increase or decrease for the new city. You will also see a complete overview of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$88,371$7,364$2,062$2,651
Renters$41,885$3,490$977$1,257
The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Chula Vista, CA as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Chula Vista, CA homeowners, is $88,371. This would allow for a maximum of $2,062 per month to be spent on housing costs. For renters, the median monthly income is $41,885 which would result in a maximum of $977 to be spent on rental costs.

California Sales Tax

StateGeneral Sales TaxWith Max Surtax
California7.25%10.25%

California Income Tax

StateIncome Tax (Low)Income Tax (High)
California1%13.3%
One thing to keep in mind when considering the cost of living in Chula Vista, CA is the California sales tax and California income tax rates. Sales taxes are taxes that are collected on most goods or services sold. Sales taxes can vary by state and can be as high as 7% and as low as 0% as not every state imposes a sales tax. The California sales tax rate is 7.25% and the maximum surtax that can be charged is 10.25%. Income tax is the tax imposed on income by both the federal and state government. The income tax rates varies by individual state and will also be higher or lower depending on the applicable tax bracket. The rates of state income tax can vary from 0% to more than 9%. The California income tax rates range from 1% to 13.3%.

Goods & Services

ItemChula VistaNational avg.Difference
Haircut $19.00$16.0918.1%
Beauty Salon $57.00$37.3352.7%
Toothpaste $2.66$2.458.8%
Shampoo $1.29$1.0028.9%
Movie $13.78$10.2834.1%
Bowling $5.07$4.932.7%

Groceries

ItemChula VistaNational avg.Difference
Ground Beef $4.77$3.8025.4%
Fried Chicken $1.14$1.4018.6%
Milk $2.16$2.017.6%
Potatoes $2.77$3.018.1%
Pizza $9.96$9.890.7%
Beer $9.88$8.9011.0%

Health Care

ItemChula VistaNational avg.Difference
Optometrist $107.20$102.164.9%
Doctor $105.00$108.363.1%
Dentist $104.33$92.5312.8%
Ibuprofen $12.77$9.2837.6%
Lipitor $409.84$425.823.8%

Housing

ItemChula VistaNational avg.Difference
Home Price $402,000.00$184,700.00117.7%
Avg. Mortgage Payment $3,000.48$1,202.44149.5%
Apartment Rent $1,351.00$949.0042.4%

Transportation

ItemChula VistaNational avg.Difference
Gasoline $2.91$2.2429.7%
Tire Balancing $50.56$46.299.2%

Utilities

ItemChula VistaNational avg.Difference
All Electricity$232.69$165.9640.2%
Phone $25.97$28.689.5%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Spring Valley CDP (Lake County), CA1,1541033%
Bostonia, CA16,29512020%
National City, CA60,34912323%
La Presa, CA37,11012525%
Winter Gardens, CA21,25512727%
Chula Vista, CA260,59813636%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Fort Wayne, IN260,95487-13%
Jersey City, NJ261,66614646%
Buffalo, NY258,98985-15%
Orlando, FL263,30698-2%
St. Petersburg, FL253,58598-2%
Chula Vista, CA260,59813636%
Source: The Chula Vista, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2017.