In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
The above illustration supplies generalized information for the El Cerrito, CA cost of living index. Compared to other cities in California and cities across the country, the cost of living index in El Cerrito, CA is 173, which is 25% higher than the California average and 73% higher than that for the entire country. The index is comprised of the following criteria: cost of retail goods and services (33%), groceries (13%), health care (5%), housing (30%), cost of public/private transportation (9%) and utilities (10%). Everyday goods and services, along with housing account for 63 percent of the total cost of living index. Goods and services that are a necessity regardless of location provide an accurate general sense of the cost of living in one city versus another. As seen above, the cost of retail goods and services in El Cerrito, CA are 11% higher than the average for California and 22% higher than the rest of the country.
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Did you know?
The cost of living in El Cerrito is 25% higher than the California average.
The cost of living in El Cerrito is 73% higher than the national average.
The cost of housing in El Cerrito is 191% higher than the national average.
California general sales tax is 42% higher than the national average.
California state income tax is 55% lower than the national average.
Compare El Cerrito, CA Cost of living To Other Cities
This is how much you would need to earn in Price difference in compared to
Cost of living index
Goods & Services index
Health care index
Use the salary calculator to compare your current salary in El Cerrito, CA to any other city. The salary calculator will tell you how much you would need to earn in any given city to maintain the same standard of living based on the cost of living in each city. For example, if the cost of living in the city you are looking to relocate to is higher than the cost of living in El Cerrito, CA, then you would need to earn more income in order to maintain the same standard of living. To use the El Cerrito, CA salary calculator, simply enter in the name of the new city, then adjust the slider to your current income. The salary calculator will do the rest and let you know if you need to earn more or less in the new city. You will also see a complete breakdown of the cost of living.
Median Income & Debt-To-Income Ratio
Max Budget (28% DTI)
Max Budget (36% DTI)
A good way to judge both the affordability of the housing and the cost of living is by simply calculating the maximum that a person should spend on housing in El Cerrito, CA, otherwise known as the debt-to-income ratio (DTI). The safest way to live in the city is to avoid spending more than 28 percent of the gross income that one earns on costs that pertain to housing and no more than 36 percent on all expenses and debts. El Cerrito, CA has a median income of about $111,563 for people who own homes. Based on that number, a person should spend a maximum of $2,603 on expenses related to housing. Renters have a slightly different median income, which is $68,285. Based on this average, renters should spend no more than $1,593 on all of their rental costs if they want to maintain a non-impoverished standard of living.
California Sales Tax
General Sales Tax
With Max Surtax
California Income Tax
Income Tax (Low)
Income Tax (High)
When you are determining the total cost of living in El Cerrito, CA you will want to make sure you consider both the California sales tax and the California income tax rates. Sales tax come in the form of taxes levied on both services and goods that are sold. The sales tax rates are different state to state and range from zero sales tax to higher than 7%. The sales tax in California is 7.25%, with the highest surtax being 10.25%. Tax that is on income by the government is income tax. Different states have different income tax rates and these rates can be higher or lower dependent on the corresponding tax bracket. The state income tax rates are different state to state and range from no income tax to more than 9% income tax. The income tax rates in California have a range from 1% to 13.3%.
Goods & Services
Avg. Mortgage Payment
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.