Cost of Living in Ferndale, CA

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F
40%
Overall NAT. AVG.
10%
Groceries NAT. AVG.
93%
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 Ferndale California National
Cost of living140141100
Groceries110111100
Health care117116100
Housing193197100
Transportation115118100
Utilities120119100
Lifestyle & Entertainment123120100
Household Items113111100
Education & Childcare131127100
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Homes For Sale In Ferndale, CA

property for sale

726 Berding St

Ferndale, CA
property for sale

1467 Rose Ave

Ferndale, CA
property for sale

155 Lawson Ln

Ferndale, CA
property for sale

7700 Centerville Rd

Ferndale, CA
See the Newest Homes For Sale In Ferndale, CA

Cost Of Living Quick Facts

  • The cost of living in Ferndale is 1% lower than the California average
  • The cost of living in Ferndale is 40% higher than the national average
  • Ferndale housing is 93% 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 Ferndale

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Compare Ferndale, CA Cost of Living

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      Salary Calculator

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      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
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      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$122,842$10,237$2,866$3,686
      Renters$48,790$4,066$1,138$1,464

      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.
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      Bayview, CA2,87612121.1%
      Fortuna, CA12,53212423.5%
      Ferndale, CA1,42414040.1%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Rome, IL1,424946.2%
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      Ruhenstroth, NV1,42416060.4%
      Coburg, OR1,42412222.3%
      Ferndale, CA1,42414040.1%
      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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