B-
5%
Overall NAT. AVG.
4%
Goods & Services NAT. AVG.
8%
Housing NAT. AVG.
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Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index Cottage Grove Oregon National
Cost of living105111100
Goods & Services104105100
Groceries107109100
Health care101105100
Housing108123100
Transportation107117100
Utilities9696100

An Overview of Cost of Living in Cottage Grove, OR

Getting a feel for the cost of living in Cottage Grove is essential for anyone planning to relocate, as it empowers them to make informed financial decisions, secure a comfortable lifestyle and maintain financial stability in their new environment. The cost of living in Cottage Grove is 105, which is 5% higher than the national average. Relocating individuals may need to adjust their savings and investment strategies based on the cost of living in the new location. It influences decisions about retirement planning, investments and financial goals.

The cost of living in Cottage Grove closely mirrors the national average in comparison to other cities nationwide. Essential items such as groceries, goods and services, health care and utilities are priced at a level consistent with similar urban areas. This means that residents of Cottage Grove can anticipate that their daily expenses will remain reasonably in line with those of an average city, contributing to a manageable cost of living.

Is Cottage Grove Affordable?

Is Cottage Grove affordable? This is a pivotal question, especially when mulling over a move, as affordability carries substantial weight in your decision-making process. Factors such as the cost of living index (discussed earlier), housing expenses and income levels all contribute to a location's affordability. For instance, in Cottage Grove, the median home price is 17% higher than the national average and monthly rent prices are 13.3% lower than the typical rates. Additionally, the median income levels play a role in affordability, with Cottage Grove boasting a median household income of $50,765, 8.2% lower than the national average.

What Factors can Influence the Cost of Living in Cottage Grove?

Urbanization: Larger, urban hubs brimming with ample amenities and robust employment opportunities often showcase a heightened cost of living. This surge is primarily attributed to the amplified demand for services and increased residential migration, culminating in elevated home prices and elevated rental rates. Conversely, less densely populated rural locales or regions characterized by reduced demand tend to offer a more limited array of amenities and undergo slower job market growth, ultimately yielding a more affordable cost of living.

Utilities: Similar to the prices of any other goods or services, utility expenditures can exhibit substantial variability, influenced by factors such as climate, energy sources accessibility, geographical location and state regulations. Costs related to electricity, water, heating, and waste disposal can fluctuate, whether higher or lower, contingent on the city or state. In Cottage Grove, the utilities index is 4.4% lower than the national average.

Transportation: If public transportation is limited or not available, residents may need to own and maintain vehicles, which can add to the cost of living. Gas, insurance, regular maintenance and potentially lease or finance payments will all need to be paid on a monthly basis. In Cottage Grove, the transportation index is 6.8% higher than the national average.

Where is the Data From?

The Cottage Grove cost of living data displayed above is derived from the C2ER cost of living index to provide a useful and reasonably accurate measure of living cost differences in urban areas. Published on a quarterly basis, it compiles data from more than 300 independent researchers, encompassing over 60 goods and services. These items have been meticulously selected to represent various consumer expenditure categories, in 6 categories. Weightings assigned to cost differentials draw from government survey data tracking spending patterns among professional and executive households. While the C2ER index excludes data on sales or income tax rates, AreaVibes incorporates tax rates into the overall cost of living score for each region.

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Cost Of Living Quick Facts

  • The cost of living in Cottage Grove is 6% lower than the Oregon average
  • The cost of living in Cottage Grove is 5% higher than the national average
  • Cottage Grove housing is 8% higher than the national average
  • Oregon general sales tax is 100% lower than the national average
  • Oregon state income tax is 111% higher than the national average

Most Affordable Places to Live in and Around Cottage Grove

See all the best places to live around Cottage Grove

Compare Cottage Grove, OR Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$63,770$5,314$1,488$1,913
      Renters$31,441$2,620$734$943
      To approximate the cost of living and the housing affordability in Cottage Grove, OR, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Cottage Grove have a median income of $63,770. Therefore, the amount that a consumer should spend on housing costs should be no more than $1,488 per month to avoid calamity and poverty. The renters in the city have an income of about $31,441, which would make their monthly maximum allowable rental costs $734.

      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%

      Goods & Services

      Item Cottage Grove National avg. Difference
      Haircut $27.36$24.2612.8%
      Beauty Salon $43.93$45.563.6%
      Toothpaste $3.77$3.701.9%
      Shampoo $1.52$1.2818.4%
      Movie $11.07$12.138.8%
      Bowling $19.22$18.006.8%

      Groceries

      Item Cottage Grove National avg. Difference
      Ground Beef $5.60$5.844.1%
      Fried Chicken $2.03$1.5728.8%
      Milk $4.82$4.673.2%
      Potatoes $4.42$4.9310.5%
      Pizza $12.91$12.096.8%
      Beer $12.06$10.4115.8%

      Health Care

      Item Cottage Grove National avg. Difference
      Optometrist $128.83$125.682.5%
      Doctor $133.80$135.781.5%
      Dentist $129.67$113.2914.5%
      Ibuprofen $11.33$10.656.4%
      Lipitor $359.57$468.6023.3%

      Housing

      Item Cottage Grove National avg. Difference
      Home Price $216,100.00$184,700.0017.0%
      Avg. Mortgage Payment $3,144.31$2,346.6934.0%
      Apartment Rent $823.00$949.0013.3%

      Transportation

      Item Cottage Grove National avg. Difference
      Gasoline $4.01$3.4615.9%
      Tire Balancing $50.89$59.9215.1%

      Utilities

      Item Cottage Grove National avg. Difference
      All Electricity $184.23$193.995.0%
      Phone $184.96$192.253.8%
      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 Population Cost of Living Index National Avg.
      Yoncalla, OR1,166945.7%
      Drain, OR955982.4%
      Lowell, OR1,0271032.6%
      Creswell, OR5,44511010.3%
      Cottage Grove, OR10,3021054.7%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Melvindale, MI10,3008712.7%
      Forest Acres, SC10,3001021.6%
      Bluffton, IN10,2988514.5%
      Nanticoke, PA10,2968514.5%
      Amelia, OH10,308964.2%
      Cottage Grove, OR10,3021054.7%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.