F
22%
Overall NAT. AVG.
11%
Groceries NAT. AVG.
38%
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 Florin California National
Cost of living122141100
Groceries111111100
Health care114116100
Housing138197100
Transportation118118100
Utilities116119100
Lifestyle & Entertainment120120100
Household Items111111100
Education & Childcare124127100
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An Overview of Cost of Living in Florin, CA

Are you thinking about relocating, but curious about the potential cost of living in Florin? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in Florin stands at 122, making it 22% 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, Florin 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, Florin falls into this category, which may not align with your desire for an affordable place to call home.

Housing costs are a very significant part of the Florin cost of living index and generally encompass a large percentage of take-home income. Unfortunately, in this area, the housing costs for both homes and rentals were 38.3% more than the average city. This includes things like home and rent prices, mortgage rates and insurance.

Everyday household expenses like cleaning products, laundry detergent, toiletries, and kitchen basics can quickly add up over time and make up 8% of the cost of living index. In Florin, you can expect to spend 10.9% more than average on these recurring essentials, which increases your overall monthly cost of living.

The cost of groceries continues to rise at an alarming rate. Over the last two years, grocery prices have increased by more than 10%! Unfortunately, in Florin, the news isn't any better as grocery prices are 11.4% higher than the national average.

Is Florin Affordable?

Is Florin an affordable place to live? That's a valid question to ask when you're thinking about moving to a new city. After all, how much it costs to live somewhere can be a huge factor in your decision. Affordability can be broken down into 3 common categories. The cost of living index (we talked about it earlier), housing expenses and income levels all play a big role in figuring out if a place is affordable. For instance, in Florin, the median home price is 43.3% higher than what most folks pay across the country, and monthly rent prices are 26.5% higher than the usual rates. Income levels in Florin come in at $71,286, which is 12.4% lower than the national average.

What Factors can Influence the Cost of Living in Florin?

Transportation: In cities with limited or no public transportation, residents may find it necessary to own and maintain vehicles, thereby elevating the cost of living. Monthly expenditures include fuel, insurance, routine maintenance and potential lease or financing commitments. In Florin, the transportation index stands at 17.7% higher than the national average.

Utilities: Much like any other costs, utility expenses can exhibit considerable variations, influenced by factors such as climate, available energy sources, geographic location and state regulations. The costs associated with electricity, water, heating, and waste disposal can vary significantly depending on the city or state in question. In Florin, the utilities index stands at 15.8% higher than the national average.

Urbanization: Urban areas with extensive amenities and job opportunities tend to have a higher cost of living due to increased demand for services and relocation, resulting in higher home prices and higher rents. Less densely populated rural areas, or areas with less demand tend to have fewer amenities and slower job growth, which results in a lower cost of living.

Where is the Data From?

The Florin cost of living estimates above use a normalized U.S. average of 100 as the baseline for comparison. Housing values incorporate local home price and rental information from the U.S. Census, while all other estimates are AI-assisted and modeled using expected everyday expenses, local market trends, climate, and transportation-related cost pressures. The results are intended for practical city-to-city comparisons.

Cost Of Living Quick Facts

  • The cost of living in Florin is 13% lower than the California average
  • The cost of living in Florin is 22% higher than the national average
  • Florin housing is 38% 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 Florin

See all the best places to live around Florin

Compare Florin, CA Cost of Living

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      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$94,494$7,875$2,205$2,835
      Renters$50,401$4,200$1,176$1,512
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Florin, CA, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Florin, homeowners have a median income of $94,494. Using that number, a maximum of $2,205 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $50,401, which means there is a maximum of $1,176 to be spent on the costs of renting a home or apartment.

      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.
      Freeport, CA7111615.6%
      Hood, CA29911717.0%
      Clarksburg, CA37711717.0%
      Fruitridge Pocket, CA5,94011616.0%
      McClellan Park, CA87011716.6%
      Florin, CA50,63112222.4%

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      City Population Cost of Living Index National Avg.
      Azusa, CA50,60414545.1%
      San Jacinto, CA50,68212221.9%
      Cerritos, CA50,76518685.9%
      Wilson, NC50,769936.9%
      Murray, UT50,78011717.2%
      Florin, CA50,63112222.4%
      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.