A
6%
Overall NAT. AVG.
2%
Groceries NAT. AVG.
4%
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 Coos Bay Oregon National
Cost of living106111100
Groceries102104100
Health care109105100
Housing104124100
Transportation105106100
Utilities106106100
Lifestyle & Entertainment112107100
Household Items102104100
Education & Childcare119109100
Does this Area Fit Your Budget? Local Insights Report
  • Know the community before you call it home
  • Compare multiple areas side by side
  • Access over 300 data points for any address
Local Insights Report

An Overview of Cost of Living in Coos Bay, OR

Are you thinking about relocating, but curious about the potential cost of living in Coos Bay? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in Coos Bay stands at 106, making it 6% higher than the national average. The cost of living directly affects the affordability of one's desired lifestyle. Knowing the cost of housing, transportation, groceries and other essentials in the new area allows people to gauge whether they can maintain their preferred standard of living.

Everyday expenditures like food, housing, lifestyle expenses, transportation and health care in Coos Bay are priced in a manner consistent with other areas. This means that residents of Coos Bay can anticipate their daily expenses remaining reasonably similar to those in an average city, thereby supporting a manageable cost of living.

What Do Locals Say About the Cost of Living in Coos Bay?

Locals have the inside scoop on their city. So, we polled 17 residents in Coos Bay to learn how they view the cost of living. We asked how they felt about the cost of living in their area, and if they thought that prices were increasing, decreasing or staying the same. The verdict? 41% find it reasonable with decreasing prices, but 59% think it's quite pricey, with prices that continue to rise.

Is Coos Bay Affordable?

Is Coos Bay an affordable place to live? That's a valid question to ask when you're thinking about moving to a new city. After all, how much it costs to live somewhere can be a huge factor in your decision. Affordability can be broken down into 3 common categories. The cost of living index (we talked about it earlier), housing expenses and income levels all play a big role in figuring out if a place is affordable. For instance, in Coos Bay, the median home price is 10.9% higher than what most folks pay across the country, and monthly rent prices are 11.6% lower than the usual rates. Income levels in Coos Bay come in at $74,579, which is 8.3% lower than the national average.

What Factors can Influence the Cost of Living in Coos Bay?

Housing: When there's a high demand for housing in trendy places, it can cause property prices and rental rates to soar, leading to a significantly higher cost of living. Conversely, in less desirable locations, where demand is low, prices tend to decrease, resulting in a more budget-friendly cost of living. In Coos Bay, the housing index is 4.2% higher than the national average.

Healthcare: Healthcare costs and insurance premiums can fluctuate greatly based on the city or state. Access to healthcare facilities, out-of-pocket expenses for doctor\’s visits, dentist costs, medication costs and specialized care costs can all impact the cost of living. In Coos Bay, the healthcare costs are 8.7% higher than the national average.

Utilities: As with the prices of anything else, utility costs can exhibit significant variations, contingent on factors like climate, energy source availability, geographic location and state regulations. The expenses associated with electricity, water, heating, and waste disposal can fluctuate, either upward or downward, depending on the particular city or state. In Coos Bay, the utilities index registers 5.8% higher than the national average.

Where is the Data From?

The Coos Bay cost of living data displayed above uses a U.S. average baseline of 100 to provide a practical way to compare living expenses across cities. Housing estimates incorporate U.S. Census home price and rental data, while all other values are generated using AI-assisted models based on everyday expense expectations, regional pricing trends, climate, transportation patterns, and local economic conditions. These values are designed for directional city-to-city comparisons.

Cost Of Living Quick Facts

  • The cost of living in Coos Bay is 5% lower than the Oregon average
  • The cost of living in Coos Bay is 6% higher than the national average
  • Coos Bay housing is 4% higher than the national average
  • Oregon general sales tax is 100% lower than the national average
  • Oregon state income tax is 83% higher than the national average

Most Affordable Places to Live in and Around Coos Bay

See all the best places to live around Coos Bay

Compare Coos Bay, OR Cost of Living

City Image
    City Default Image
      vs
      How would you rate the cost of living in Coos Bay?
      Write a review to give others more information about this area.
      Is the cost of living increasing or decreasing in Coos Bay?
      Write a review to give others more information about this area.
      See all Coos Bay poll results

      Salary Calculator

      This is how much you would need to earn in
      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$90,465$7,539$2,111$2,714
      Renters$53,326$4,444$1,244$1,600
      A good indicator of the general affordability of housing in Coos Bay, OR, is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Coos Bay, the median monthly income is $90,465 for those who own their own homes. Under the standard rule, that income level would allow for $2,111 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $53,326, per the median income in the area. That would allow for renters to spend up to $1,244 on monthly rental expenses.

      Oregon Sales Tax

      State General Sales Tax With Max Surtax
      Oregon 0% 0%

      Oregon Income Tax

      State Income Tax (Low) Income Tax (High)
      Oregon 4.75% 9.9%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Coquille, OR4,044981.8%
      Barview, OR1,7531033.0%
      Bunker Hill, OR2,3061054.9%
      Lakeside, OR1,6651065.7%
      North Bend, OR10,0431109.6%
      Coos Bay, OR16,8551066.1%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      New River, AZ16,85713434.3%
      Hazel Park, MI16,8458712.7%
      Beckley, WV16,8658812.5%
      Wolf Trap, VA16,866211110.7%
      Fort Carson, CO16,84312827.6%
      Coos Bay, OR16,8551066.1%
      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.