F
38%
Overall NAT. AVG.
10%
Groceries NAT. AVG.
88%
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 Florence-Graham California National
Cost of living138141100
Groceries110111100
Health care118116100
Housing188197100
Transportation120118100
Utilities122119100
Lifestyle & Entertainment118120100
Household Items113111100
Education & Childcare123127100
Does this Area Fit Your Budget? Local Insights Report
  • Know the community before you call it home
  • Compare multiple areas side by side
  • Access over 300 data points for any address
Local Insights Report

An Overview of Cost of Living in Florence-Graham, CA

Are you thinking about relocating, but curious about the potential cost of living in Florence-Graham? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in Florence-Graham stands at 138, making it 38% higher than the national average. The cost of living directly affects the affordability of one's desired lifestyle. Knowing the cost of housing, transportation, groceries and other essentials in the new area allows people to gauge whether they can maintain their preferred standard of living.

If you value affordability in your search for a new place to live, Florence-Graham may not be the most suitable option, as it stands out as one of the priciest areas in the entire United States. Only a small fraction of regions have a cost of living that is more than 20% higher than the national average, and regrettably, Florence-Graham falls into this category, which may not align with your desire for an affordable place to call home.

Housing costs significantly influence the Florence-Graham cost of living index, typically accounting for a substantial portion of one's post-tax income. Regrettably, within this particular region, expenses related to both residential ownership and renting exceeded those observed in an average city by 88.1%. This entails elements such as housing and rental prices, mortgage interest rates and insurance costs.

Recurring household expenses such as cleaning supplies, laundry detergent, toiletries, and kitchen basics are a steady part of monthly spending and make up 8% of the cost of living index. In Florence-Graham, these everyday items will cost you 12.9% more than average, making it a slightly more expensive place to call home.

Is Florence-Graham Affordable?

Is Florence-Graham affordable? It's a key consideration when pondering a move, as affordability often shapes your choices. The cost of living index (we discussed it earlier), coupled with housing costs and income levels, serves as the cornerstone for determining a location's affordability. Take Florence-Graham, for instance, where the median home price falls 113.9% higher than the national average, and monthly rent rates are 27.8% higher than usual. Additionally, median income levels contribute to the equation, with Florence-Graham flaunting a median household income of $75,720, 6.9% lower than the national norm.

What Factors can Influence the Cost of Living in Florence-Graham?

Subsidies: Certain regions may provide government subsidies or assistance initiatives designed to alleviate the cost of living burden on their residents. These programs encompass a wide range of support mechanisms, such as Medicare, Medicaid, housing subsidies, low-income home energy assistance programs, school lunch programs, supplemental nutrition assistance programs, student loans, electric vehicle tax credits, affordable care act subsidies and farming subsidies. Areas with fewer subsidy offerings might experience an elevation in their cost of living.

Transportation: In areas where public transportation is scarce or unavailable, residents often find themselves compelled to own and upkeep vehicles, thereby increasing the overall cost of living. Monthly expenses encompass fuel, insurance, routine maintenance and potentially lease or financing payments. In Florence-Graham, the transportation index is 20.2% higher than the national average.

Taxes: Locations with elevated tax rates, encompassing both sales and income taxes, can be a factor in driving up the cost of living. When you're paying more in taxes for everyday household expenses, it naturally translates into higher expenses. Similarly, a higher income tax rate can also contribute to an overall higher cost of living. In Florence-Graham, the standard sales tax rate starts at 7.25%, and the income tax rates commence at 1%.

Where is the Data From?

The cost of living data for Florence-Graham shown above is based on a U.S. average baseline score of 100, making it easier to compare how far your dollar may go from one city to another. Housing uses U.S. Census home price and rental data, while all remaining values are AI-assisted estimates informed by regional pricing, climate, transportation dynamics, and local economic factors. These scores are best used for directional comparisons between cities.

Cost Of Living Quick Facts

  • The cost of living in Florence-Graham is 2% lower than the California average
  • The cost of living in Florence-Graham is 38% higher than the national average
  • Florence-Graham housing is 88% 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 Florence-Graham

See all the best places to live around Florence-Graham

Compare Florence-Graham, CA Cost of Living

City Image
    City Default Image
      vs
      How would you rate the cost of living in Florence-Graham?
      Write a review to give others more information about this area.
      Is the cost of living increasing or decreasing in Florence-Graham?
      Write a review to give others more information about this area.
      See all Florence-Graham poll results

      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$113,652$9,471$2,652$3,410
      Renters$57,348$4,779$1,338$1,721
      A good indicator of the general affordability of housing in Florence-Graham, 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 Florence-Graham, the median monthly income is $113,652 for those who own their own homes. Under the standard rule, that income level would allow for $2,652 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $57,348, per the median income in the area. That would allow for renters to spend up to $1,338 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.
      Westside, CA21812423.9%
      Vernon, CA25411716.8%
      Rolling Hills CDP, CA85513333.4%
      Willowbrook, CA25,34713636.0%
      East Rancho Dominguez, CA15,76513636.3%
      Florence-Graham, CA66,60313838.2%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Wellington, FL66,60413938.6%
      Ankeny, IA66,5921055.5%
      Blaine, MN66,64511211.6%
      East Orange, NJ66,65511515.1%
      San Clemente, CA66,681208107.9%
      Florence-Graham, CA66,60313838.2%
      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.