Hayward, CA Cost Of Living

Hayward cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
Index	Hayward	California	National
Cost of living index	145	138	100
Index	Hayward	California	National
Goods & Services index	122	110	100
Groceries index	126	115	100
Health care index	123	109	100
Housing index	198	196	100
Transportation index	130	125	100
Utilities index	114	114	100

A general overview of the cost of living index for Hayward, CA is displayed above. In Hayward, CA, the overall cost of living index is 145, which is 5% higher than the California average and 45% higher than the U.S. average. The following categories are used to calculate the overall cost of living index: goods/services (33%), housing (30%), groceries (13%), utilities (10%), transportation (9%) and health care (5%). From the list, it is clear that the categories of goods/services and housing are responsible for the largest portions of the overall cost of living index. As a general rule, everyday goods and services provide an accurate measure of the general cost of goods in any given city. In the case of Hayward, CA, the city's goods and services are 11% higher than the California average and 22% higher than the U.S. average.

Did you know?

The cost of living in Hayward is 5% higher than the California average.
The cost of living in Hayward is 45% higher than the national average.
The cost of housing in Hayward is 98% higher than the national average.
California general sales tax is 42% higher than the national average.
California state income tax is 55% lower than the national average.

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

The salary calculator is used in order to provide a comparison of your current salary in Hayward, CA to another city of your choice. The calculator will inform you of what your salary needs to be in any specific city in order for you to maintain your living standard based on what the city’s cost of living is. As an example, if you are seeking to move to a city that has a higher cost of living compared to Hayward, CA, you would have to earn a higher income to maintain a standard of living that is similar. To get started with the Hayward, CA salary calculator, input the new city’s name and then move the slider to indicate your current income. The salary calculator will now process the numbers and show you whether you need to earn more or less in the chosen city. A comprehensive breakdown of the cost of living will also be shown.

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 indicated accurately 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 ever be used on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Hayward, CA 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 should have a maximum of $1,178 used for their rent related monthly costs.

California Sales Tax

State	General Sales Tax	With Max Surtax
California	7.25%	10.25%

California Income Tax

State	Income Tax (Low)	Income Tax (High)
California	1%	13.3%

When considering the overall cost of living expenses in Hayward, CA, it's important to take into account the sales tax for California, as well as the rate for income tax in California. Goods and services sold to consumers in any state have some form of sales tax. Each state has its own tax code, which means that sales tax rates vary from state to state, ranging from over 7% in some states to as low as 0% in others. The maximum surtax for California is 10.25%, and the sales tax in the state of California is 7.25%. Alternatively, the tax imposed on your income by the state government is known as income tax. The rate for this tax also varies from state to state, and your rate is affected by your tax bracket, which is determined by your level of income. Income tax rates might be as high as 9%, down to as low as 0%. The range for income tax rates in California starts from 1% and goes up to 13.3%.

Goods & Services

Item	Hayward	National avg.	Difference
Haircut	$21.86	$16.09	35.9%
Beauty Salon	$69.62	$37.33	86.5%
Toothpaste	$3.23	$2.45	32.0%
Shampoo	$1.20	$1.00	19.6%
Movie	$11.67	$10.28	13.6%
Bowling	$6.78	$4.93	37.4%

Groceries

Item	Hayward	National avg.	Difference
Ground Beef	$4.25	$3.80	11.8%
Fried Chicken	$1.51	$1.40	8.1%
Milk	$2.74	$2.01	36.6%
Potatoes	$3.56	$3.01	18.1%
Pizza	$12.11	$9.89	22.5%
Beer	$9.55	$8.90	7.3%

Health Care

Item	Hayward	National avg.	Difference
Optometrist	$120.71	$102.16	18.2%
Doctor	$138.93	$108.36	28.2%
Dentist	$122.57	$92.53	32.5%
Ibuprofen	$11.92	$9.28	28.4%
Lipitor	$416.12	$425.82	2.3%

Housing

Item	Hayward	National avg.	Difference
Home Price	$404,500.00	$184,700.00	119.0%
Avg. Mortgage Payment	$2,702.60	$1,202.44	124.8%
Apartment Rent	$1,417.00	$949.00	49.3%

Transportation

Item	Hayward	National avg.	Difference
Gasoline	$2.93	$2.24	30.3%
Tire Balancing	$60.44	$46.29	30.6%

Utilities

Item	Hayward	National avg.	Difference
All Electricity	$230.24	$165.96	38.7%
Phone	$24.33	$28.68	15.2%

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	136	36%
Cherryland, CA	15,066	136	36%
San Leandro, CA	89,039	147	47%
Emeryville, CA	11,111	148	48%
San Lorenzo, CA	24,790	148	48%
Hayward, CA	154,507	145	45%

Cities with similar population

City, State	Population	Cost of Living Index	National Avg.
Springfield, MA	153,991	102	2%
Macon-Bibb County, GA	153,925	84	-16%
Pasadena, TX	153,286	87	-13%
Cary, NC	155,822	116	16%
Salinas, CA	155,889	121	21%
Hayward, CA	154,507	145	45%

Source: The Hayward, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2017.

Hayward, CA Cost of Living