| Index | El Dorado Hills | California | National |
| Cost of living | 174 | 141 | 100 |
| Groceries | 108 | 111 | 100 |
| Health care | 112 | 116 | 100 |
| Housing | 316 | 197 | 100 |
| Transportation | 116 | 118 | 100 |
| Utilities | 117 | 119 | 100 |
| Lifestyle & Entertainment | 115 | 120 | 100 |
| Household Items | 109 | 111 | 100 |
| Education & Childcare | 125 | 127 | 100 |
Getting a feel for the cost of living in El Dorado Hills 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 El Dorado Hills is 174, which is 74% 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.
If you're in pursuit of an economical living environment, El Dorado Hills may not fit the bill, as it ranks among the most expensive places to reside in the United States. Just a minority of regions exhibit a cost of living that is more than 20% higher than the national average, and, unfortunately, El Dorado Hills falls within this bracket.
Housing costs are a major factor in the El Dorado Hills cost of living index, and they often eat up a big chunk of your take-home pay. Unfortunately, in this area, housing expenses for both homeownership and rentals were 215.8% higher than what's typical in an average city. That includes the prices of homes and rents, as well as mortgage rates and insurance.
Is El Dorado Hills 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 El Dorado Hills, the median home price is 264% higher than the national average and monthly rent prices are 103.5% higher than the typical rates. Additionally, the median income levels play a role in affordability, with El Dorado Hills boasting a median household income of $198,149, 143.6% higher than the national average.
Urbanization: Larger, urban centers, known for their wealth of amenities and strong employment prospects, often exhibit an elevated cost of living, primarily attributable to the heightened demand for services and residential relocation. Consequently, this scenario leads to elevated home prices and higher rental rates. In contrast, sparsely populated rural areas or regions characterized by diminished demand typically provide a more limited array of amenities and experience slower job market growth, resulting in a more affordable cost of living.
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 El Dorado Hills, the utilities index registers 17.3% higher than the national average.
Healthcare: Healthcare costs and insurance premiums can undergo substantial fluctuations based on the city or state of residence. Elements such as the availability of healthcare facilities, out-of-pocket costs for medical consultations, dental expenses, prescription medication charges and specialized medical care fees all contribute to variations in the cost of living. In El Dorado Hills, healthcare costs are 11.8% higher than the national average.
The cost of living estimates displayed for El Dorado Hills are modeled using a U.S. average baseline of 100, helping provide a useful comparison of local living expenses. Housing calculations include U.S. Census home price and rental data, while all other values are AI-assisted estimates based on regional cost patterns, climate, transportation, and everyday spending expectations. These values are intended for directional comparisons across cities.
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| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $218,219 | $18,185 | $5,091 | $6,547 |
| Renters | $99,702 | $8,309 | $2,326 | $2,991 |
| State | General Sales Tax | With Max Surtax |
| California | 7.25% | 10.5% |
| State | Income Tax (Low) | Income Tax (High) |
| California | 1% | 13.3% |
| City | Population | Cost of Living Index | National Avg. |
| Cold Springs CDP (Tuolumne County), CA | 128 | 114 | 13.8% |
| Cold Springs, CA | 698 | 95 | 4.9% |
| Plymouth, CA | 1,067 | 122 | 21.9% |
| Citrus Heights, CA | 90,373 | 132 | 32.0% |
| Rancho Cordova, CA | 77,119 | 132 | 31.9% |
| El Dorado Hills, CA | 48,625 | 174 | 74.4% |
| City | Population | Cost of Living Index | National Avg. |
| Burleson, TX | 48,615 | 104 | 4.0% |
| Charleston, WV | 48,539 | 92 | 8.1% |
| Charlottesville, VA | 48,748 | 122 | 22.2% |
| Roseville, MI | 48,471 | 89 | 11.3% |
| Shawinigan, QC | 48,810 | n/a | |
| El Dorado Hills, CA | 48,625 | 174 | 74.4% |
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