| Index | Home Gardens | California | National |
| Cost of living | 141 | 141 | 100 |
| Groceries | 112 | 111 | 100 |
| Health care | 116 | 116 | 100 |
| Housing | 194 | 197 | 100 |
| Transportation | 117 | 118 | 100 |
| Utilities | 118 | 119 | 100 |
| Lifestyle & Entertainment | 124 | 120 | 100 |
| Household Items | 111 | 111 | 100 |
| Education & Childcare | 135 | 127 | 100 |
The cost of living in Home Gardens affects the quality of life one can afford in this new location. It allows people to assess whether they can maintain their preferred lifestyle, including housing, leisure activities and dining options. Your total monthly expenditures can varry depending on the area, as well as many other factors. The cost of living in Home Gardens is 141, which is 41% higher than the national average. Knowledge of the cost of living can help individuals make informed decisions about retirement savings, investments, and financial goals.
If you value affordability in your search for a new place to live, Home Gardens 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, Home Gardens falls into this category, which may not align with your desire for an affordable place to call home.
Housing costs significantly influence the Home Gardens cost of living index, typically accounting for a substantial portion of one's post-tax income. Regrettably, within this particular region, expenses related to both residential ownership and renting exceeded those observed in an average city by 94.2%. This entails elements such as housing and rental prices, mortgage interest rates and insurance costs.
Household expenses make up 8% of the total cost of living index score and cover the everyday essentials needed to keep your home running smoothly. These items may include cleaning supplies, laundry detergent, toiletries, clothing basics, and kitchen essentials. In Home Gardens, you can expect to pay 10.7% more than average for these everyday necessities, making it a more expensive place to live.
The substantial and relentless rise in grocery prices definitely warrants some attention. Over the past two years, grocery expenses have escalated by more than 10%. Having said that, the situation in Home Gardens is even less favorable, with grocery prices here being 12.1% higher than the national average.
Is Home Gardens affordable? This is a pivotal question, especially when mulling over a move, as affordability carries substantial weight in your decision-making process. Factors such as the cost of living index (discussed earlier), housing expenses and income levels all contribute to a location's affordability. For instance, in Home Gardens, the median home price is 105.7% higher than the national average and monthly rent prices are 67.3% higher than the typical rates. Additionally, the median income levels play a role in affordability, with Home Gardens boasting a median household income of $98,895, 21.6% higher than the national average.
Groceries: Grocery costs have continued to increase significantly over the last 2-3 years. In some markets the cost of food has gone up by more than 20% in that period. While other markets have managed to see only a moderate uptick. These food costs can have a major impact on the cost of living in any area. In Home Gardens, the groceries index is 12.1% higher than the national average.
Urbanization: Larger, urban areas boasting abundant amenities and robust employment prospects often exhibit a heightened cost of living, driven by the increased demand for services and residential relocation. Consequently, this leads to elevated home prices and higher rental rates. In contrast, sparsely populated rural locales or regions marked by diminished demand typically offer a more limited range of amenities and experience slower job market expansion. This translates into a more affordable cost of living.
Housing: Elevated demand for housing within coveted locales has the propensity to escalate both property values and rental rates, thereby serving as a primary catalyst for an augmented cost of living. Conversely, areas witnessing diminished housing demand, particularly within less desirable environs, often experience an inversely proportional effect, leading to price reductions and subsequently contributing to a more modest cost of living. In Home Gardens, the housing index is 94.2% higher than the national average.
The Home Gardens 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 index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index | |
| Lifestyle index | |
| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $104,066 | $8,672 | $2,428 | $3,122 |
| Renters | $71,965 | $5,997 | $1,679 | $2,159 |
| State | General Sales Tax | With Max Surtax |
| California | 7.25% | 10.5% |
| State | Income Tax (Low) | Income Tax (High) |
| California | 1% | 13.3% |
| City | Population | Cost of Living Index | National Avg. |
| Good Hope, CA | 8,754 | 118 | 18.4% |
| Warm Springs, CA | 1,496 | 118 | 18.5% |
| Meadowbrook, CA | 4,320 | 119 | 19.2% |
| Mead Valley, CA | 21,263 | 127 | 26.8% |
| Colton, CA | 55,956 | 127 | 27.0% |
| Home Gardens, CA | 12,492 | 141 | 40.9% |
| City | Population | Cost of Living Index | National Avg. |
| Scotts Valley, CA | 12,494 | 195 | 94.9% |
| Lake Tapps, WA | 12,497 | 147 | 46.7% |
| Middle Valley, TN | 12,498 | 98 | 1.8% |
| Fulshear, TX | 12,481 | 144 | 43.6% |
| Laurel, FL | 12,504 | 125 | 25.3% |
| Home Gardens, CA | 12,492 | 141 | 40.9% |
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