Cost Of Living in Durham, CA

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F

56%

Overall NAT. AVG.

10%

Groceries NAT. AVG.

145%

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	Durham	California	National
Cost of living	156	141	100
Groceries	110	111	100
Health care	117	116	100
Housing	245	197	100
Transportation	120	118	100
Utilities	117	119	100
Lifestyle & Entertainment	125	120	100
Household Items	113	111	100
Education & Childcare	133	127	100

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Homes For Sale In Durham, CA

9390 Lott Rd

Durham, CA

2334 Dayton Rd

Chico, CA

9347 Holland Ave

Durham, CA

1901 Dayton Rd #87

Chico, CA

Cost Of Living Quick Facts

The cost of living in Durham is 11% higher than the California average
The cost of living in Durham is 56% higher than the national average
Durham housing is 145% 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	$168,057	$14,005	$3,921	$5,042
Renters	$106,518	$8,877	$2,485	$3,196

A good indicator of the general affordability of housing in Durham, 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 Durham, the median monthly income is $168,057 for those who own their own homes. Under the standard rule, that income level would allow for $3,921 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $106,518, per the median income in the area. That would allow for renters to spend up to $2,485 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.
Richvale, CA	161	118	18.1%
Concow, CA	485	111	11.2%
Thermalito, CA	6,694	111	11.4%
South Oroville, CA	2,685	112	11.8%
Hamilton City, CA	2,529	113	12.6%
Durham, CA	6,384	156	56.1%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Salem, IN	6,382	85	15.2%
Kennett Square, PA	6,386	111	11.5%
Jackson, OH	6,381	86	14.3%
Lanett, AL	6,388	86	14.2%
Gleneagle, CO	6,391	136	35.5%
Durham, CA	6,384	156	56.1%