Hayward, California Cost Of Living

F

47%

Overall NAT. AVG.

19%

Goods & Services NAT. AVG.

98%

Housing NAT. AVG.

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2023; 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	147	141	100
Goods & Services	119	111	100
Groceries	130	116	100
Health care	128	111	100
Housing	198	196	100
Transportation	134	129	100
Utilities	130	129	100

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Cost Of Living Quick Facts

The cost of living in Hayward is 5% higher than the California average
The cost of living in Hayward is 47% 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 56% 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	$112,325	$9,360	$2,621	$3,370
Renters	$72,506	$6,042	$1,692	$2,175

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 $112,325. This indicates that a monthly maximum of $2,621 should be spent by homeowners on all housing related costs. Renters have a median income of $72,506. This indicates that renters would have a maximum of $1,692 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%	12.3%

Goods & Services

Item	Hayward	National avg.	Difference
Haircut	$26.89	$22.08	21.8%
Beauty Salon	$79.79	$42.88	86.1%
Toothpaste	$3.37	$2.57	31.2%
Shampoo	$1.49	$1.15	28.9%
Movie	$14.15	$11.51	23.0%
Bowling	$22.39	$16.62	34.7%

Groceries

Item	Hayward	National avg.	Difference
Ground Beef	$4.65	$4.98	6.7%
Fried Chicken	$1.90	$1.58	20.1%
Milk	$3.33	$2.42	37.6%
Potatoes	$3.06	$3.54	13.4%
Pizza	$14.88	$11.49	29.5%
Beer	$10.58	$10.04	5.4%

Health Care

Item	Hayward	National avg.	Difference
Optometrist	$150.30	$117.76	27.6%
Doctor	$167.43	$125.34	33.6%
Dentist	$145.10	$107.52	34.9%
Ibuprofen	$12.58	$10.26	22.7%
Lipitor	$489.73	$459.24	6.6%

Housing

Item	Hayward	National avg.	Difference
Home Price	$622,700.00	$184,700.00	237.1%
Avg. Mortgage Payment	$3,498.69	$1,697.41	106.1%
Apartment Rent	$1,914.00	$949.00	101.7%

Transportation

Item	Hayward	National avg.	Difference
Gasoline	$5.36	$3.85	39.4%
Tire Balancing	$71.40	$57.01	25.2%

Utilities

Item	Hayward	National avg.	Difference
All Electricity	$268.45	$177.27	51.4%
Phone	$189.81	$189.62	0.1%

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	Population	Cost of Living Index	National Avg.
Ashland, CA	23,566	137	37.4%
Cherryland, CA	15,976	138	38.0%
San Leandro, CA	90,489	149	48.6%
Emeryville, CA	11,679	149	49.3%
San Lorenzo, CA	30,117	150	49.9%
Hayward, CA	158,817	147	47.0%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Alexandria, VA	158,309	154	53.9%
Barrie, ON	159,618	n/a
Lancaster, CA	157,697	113	12.7%
Coquitlam, BC	159,980	n/a
Abbotsford, BC	160,174	n/a
Hayward, CA	158,817	147	47.0%

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2023; this is the most current data available.