Cost Of Living in Clay, CA

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F

82%

Overall NAT. AVG.

11%

Groceries NAT. AVG.

235%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Clay	California	National
Cost of living	182	141	100
Groceries	111	111	100
Health care	120	116	100
Housing	335	197	100
Transportation	119	118	100
Utilities	117	119	100
Lifestyle & Entertainment	116	120	100
Household Items	114	111	100
Education & Childcare	126	127	100

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Homes For Sale In Clay, CA

Twin Cities Rd

Herald, CA

12065 Kirkwood St

Herald, CA

12234 Clay Station Rd

Herald, CA

13435 Bennett Rd

Herald, CA

Cost Of Living Quick Facts

The cost of living in Clay is 30% higher than the California average
The cost of living in Clay is 82% higher than the national average
Clay housing is 235% higher than the national average
California general sales tax is 42% higher than the national average
California state income tax is 61% lower than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$155,757	$12,980	$3,634	$4,673
Renters	$0	$0	$0	$0

California Sales Tax

State	General Sales Tax	With Max Surtax
California	7.25%	10.5%

California Income Tax

State	Income Tax (Low)	Income Tax (High)
California	1%	13.3%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Acampo, CA	266	115	14.9%
Buena Vista, CA	588	111	11.4%
Florin, CA	50,631	122	22.4%
Camanche North Shore, CA	1,228	124	24.1%
Ione, CA	8,152	124	24.4%
Clay, CA	1,157	182	82.4%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Mammoth Spring, AR	1,157	80	20.5%
Morningside, MD	1,157	117	17.1%
Parkers Prairie, MN	1,157	87	12.6%
Cairo, NE	1,157	91	9.5%
Twin Lakes, NM	1,157	79	21.2%
Clay, CA	1,157	182	82.4%

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

Cost of Living in Clay, CA

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Cost Of Living Quick Facts

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Nearby cities with low cost of living

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