Hayward, California Cost Of Living

Buy Rent

F

Overall 49%

Goods & Services 18%

Housing 98%

Date & Last Updated: This data reflects 2020 and was released from C2ER in January, 2021; 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	Hayward	California	National
Cost of living	149	141	100
Goods & Services	118	111	100
Groceries	133	115	100
Health care	124	113	100
Housing	198	196	100
Transportation	144	133	100
Utilities	136	127	100

Key findings

The cost of living in Hayward is 5% higher than the California average
The cost of living in Hayward is 49% higher than the national average
Hayward housing is 98% 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	$94,133	$7,844	$2,196	$2,824
Renters	$50,479	$4,207	$1,178	$1,515

The affordability of the housing market in Hayward, 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 Hayward homeowners, the median income is $94,133. This indicates that a monthly maximum of $2,196 should be spent by homeowners on all housing related costs. Renters have a median income of $50,479. This indicates that renters would have a maximum of $1,178 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	Hayward	National avg.	Difference
Haircut	$19.39	$18.62	4.1%
Beauty Salon	$67.86	$39.05	73.8%
Toothpaste	$3.07	$2.34	31.0%
Shampoo	$1.39	$1.06	31.6%
Movie	$13.23	$10.68	23.9%
Bowling	$19.56	$14.67	33.3%

Groceries

Item	Hayward	National avg.	Difference
Ground Beef	$3.73	$4.22	11.7%
Fried Chicken	$1.89	$1.39	36.6%
Milk	$2.87	$2.05	39.9%
Potatoes	$3.35	$3.29	2.0%
Pizza	$12.66	$10.62	19.1%
Beer	$10.57	$9.38	12.6%

Health Care

Item	Hayward	National avg.	Difference
Optometrist	$136.92	$108.57	26.1%
Doctor	$146.83	$116.17	26.4%
Dentist	$133.38	$99.13	34.5%
Ibuprofen	$12.10	$9.68	25.0%
Lipitor	$454.30	$466.92	2.7%

Housing

Item	Hayward	National avg.	Difference
Home Price	$404,500.00	$184,700.00	119.0%
Avg. Mortgage Payment	$2,736.38	$1,197.42	128.5%
Apartment Rent	$1,417.00	$949.00	49.3%

Transportation

Item	Hayward	National avg.	Difference
Gasoline	$3.38	$2.22	51.9%
Tire Balancing	$62.03	$50.07	23.9%

Utilities

Item	Hayward	National avg.	Difference
All Electricity	$269.40	$167.67	60.7%
Phone	$187.26	$175.64	6.6%

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.
Ashland, CA	24,288	139	39%
Cherryland, CA	15,066	140	40%
San Leandro, CA	89,039	150	50%
Emeryville, CA	11,111	151	51%
San Lorenzo, CA	24,790	151	51%
Hayward, CA	154,507	149	49%

Cities with similar population

City, State	Population	Cost of Living Index	National Avg.
Springfield, MA	153,991	105	5%
Macon-Bibb County, GA	153,925	89	-11%
Pasadena, TX	153,286	89	-11%
Cary, NC	155,822	115	15%
Salinas, CA	155,889	117	17%
Hayward, CA	154,507	149	49%

Source: The Hayward, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2020.