Cost of Living in Cottonwood, CA

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D-
16%
Overall NAT. AVG.
10%
Groceries NAT. AVG.
14%
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 Cottonwood California National
Cost of living116141100
Groceries110111100
Health care117116100
Housing114197100
Transportation115118100
Utilities120119100
Lifestyle & Entertainment123120100
Household Items113111100
Education & Childcare131127100
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Homes For Sale In Cottonwood, CA

property for sale

19238 Espinazo Way

Cottonwood, CA
property for sale

Auction Yard Rd

, CA
property for sale

18900 Laurel Way

Cottonwood, CA
property for sale

19055 Del Mar Dr

Cottonwood, CA

Cost Of Living Quick Facts

  • The cost of living in Cottonwood is 17% lower than the California average
  • The cost of living in Cottonwood is 16% higher than the national average
  • Cottonwood housing is 14% 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

Most Affordable Places to Live in and Around Cottonwood

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Compare Cottonwood, CA 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
      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$125,929$10,494$2,938$3,778
      Renters$0$0$0$0
      A good indicator of the general affordability of housing in Cottonwood, CA, 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 Cottonwood, the median monthly income is $125,929 for those who own their own homes. Under the standard rule, that income level would allow for $2,938 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $0, per the median income in the area. That would allow for renters to spend up to $0 on monthly rental expenses.

      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.
      Red Bluff, CA14,43211313.0%
      Anderson, CA10,73411615.6%
      Lake California, CA3,40012423.7%
      Redding, CA95,27612524.5%
      Millville, CA90813535.3%
      Cottonwood, CA5,56411616.3%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Chelsea, MI5,56311010.1%
      St. Paul Park, MN5,5621011.2%
      Cottleville, MO5,56611918.9%
      Wyndmoor, PA5,56712120.7%
      Terrell Hills, TX5,56717978.6%
      Cottonwood, CA5,56411616.3%
      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.
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