Gilroy, California Cost Of Living

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Overall 46%

Goods & Services 12%

Housing 148%

Date & Last Updated: This data reflects 2019 and was released from C2ER in January, 2020; this is the most current data available.

The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index	Gilroy	California	National
Cost of living	146	140	100
Goods & Services	88	111	100
Groceries	105	118	100
Health care	111	113	100
Housing	248	196	100
Transportation	111	128	100
Utilities	129	118	100

Key findings

The cost of living in Gilroy is 4% higher than the California average
The cost of living in Gilroy is 46% higher than the national average
Gilroy housing is 148% higher than the national average
California general sales tax is 42% higher than the national average
California state income tax is 59% lower than the national average

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Price difference in compared to

Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$120,522	$10,044	$2,812	$3,616
Renters	$42,570	$3,548	$993	$1,277

The affordability of the housing market in Gilroy, CA as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Gilroy homeowners, the median income is $120,522. This indicates that a monthly maximum of $2,812 should be spent by homeowners on all housing related costs. Renters have a median income of $42,570. This indicates that renters would have a maximum of $993 for their rent related monthly costs.

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%

Goods & Services

Item	Gilroy	National avg.	Difference
Haircut	$27.50	$17.49	57.2%
Beauty Salon	$50.52	$38.17	32.4%
Toothpaste	$2.52	$2.32	8.6%
Shampoo	$1.06	$1.01	4.8%
Movie	$15.05	$10.72	40.3%
Bowling	$18.25	$13.86	31.7%

Groceries

Item	Gilroy	National avg.	Difference
Ground Beef	$4.36	$3.90	11.8%
Fried Chicken	$2.03	$1.40	45.4%
Milk	$2.27	$1.96	15.7%
Potatoes	$3.20	$3.18	0.5%
Pizza	$10.74	$10.39	3.3%
Beer	$8.99	$9.23	2.6%

Health Care

Item	Gilroy	National avg.	Difference
Optometrist	$127.00	$106.34	19.4%
Doctor	$148.00	$115.25	28.4%
Dentist	$99.60	$98.38	1.2%
Ibuprofen	$10.06	$9.26	8.6%
Lipitor	$502.77	$466.47	7.8%

Housing

Item	Gilroy	National avg.	Difference
Home Price	$528,700.00	$184,700.00	186.2%
Avg. Mortgage Payment	$1,556.13	$1,273.32	22.2%
Apartment Rent	$1,521.00	$949.00	60.3%

Transportation

Item	Gilroy	National avg.	Difference
Gasoline	$3.24	$2.59	25.0%
Tire Balancing	$45.00	$48.90	8.0%

Utilities

Item	Gilroy	National avg.	Difference
All Electricity	$260.15	$167.60	55.2%
Phone	$173.87	$163.42	6.4%

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.

Nearby cities with low cost of living

City, State	Population	Cost of Living Index	National Avg.
Moss Landing, CA	118	102	2%
Pajaro, CA	3,524	111	11%
Amesti, CA	3,205	122	22%
Watsonville, CA	52,915	125	25%
Hollister, CA	36,901	125	25%
Gilroy, CA	52,576	146	46%

Cities with similar population

City, State	Population	Cost of Living Index	National Avg.
Burlington, NC	52,570	90	-10%
Delano, CA	52,538	108	8%
Levittown, PA	52,407	112	12%
West New York, NJ	52,407	140	40%
Elkhart, IN	52,378	87	-13%
Gilroy, CA	52,576	146	46%

Source: The Gilroy, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2019.

Gilroy, CA Cost of Living

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