F
87%
Overall NAT. AVG.
12%
Goods & Services NAT. AVG.
267%
Housing NAT. AVG.
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Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; 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 Huntington Beach California National
Cost of living187140100
Goods & Services112111100
Groceries113112100
Health care99109100
Housing367196100
Transportation124126100
Utilities94127100

An Overview of Cost of Living in Huntington Beach, CA

Knowing the cost of living in Huntington Beach allows individuals to create a realistic budget. This helps them understand how their income will cover expenses and whether they need to make financial adjustments. The cost of living in any region can fluctuate due to various factors. To assess the cost of living consistently across different areas, a national average of 100 serves as the basis for the cost of living index. The cost of living in Huntington Beach stands at 187, marking it 87% higher than the national average.

If you're in pursuit of an economical living environment, Huntington Beach may not fit the bill, as it ranks among the most expensive places to reside in the United States. Just a minority of regions exhibit a cost of living that is more than 20% higher than the national average, and, unfortunately, Huntington Beach falls within this bracket.

When it comes to the cost of living in Huntington Beach, housing costs are a real heavyweight, often hogging a significant chunk of your earnings. Sadly, in this area, housing expenses for both buying and renting were 266.6% more expensive compared to your average city. That means you'll be shelling out more for homes, rents, mortgage rates and insurance.

Recurring essentials like haircuts, toothpaste, and entertainment, from movies to gym sessions, can really add up in your budget and make up 33% of the cost of living index. In Huntington Beach, you you will have to spend 12% more than average when compared to the typical prices for these items, making it a more expensive place to live.

Groceries are getting more expensive by the day and the cost of groceries makes up 13% of the overall cost of living index. In the past two years, prices have shot up by over 10%! Unfortunately, in Huntington Beach, it's the same story – grocery costs are 13.1% higher than what people pay across the country.

What Do Locals Say About the Cost of Living in Huntington Beach?

Locals have the inside scoop on their city. So, we polled 7 residents in Huntington Beach to learn how they view the cost of living. We asked how they felt about the cost of living in their area, and if they thought that prices were increasing, decreasing or staying the same. The verdict? 29% find it reasonable with decreasing prices, but 71% think it's quite pricey, with prices that continue to rise.

Is Huntington Beach Affordable?

Wondering if Huntington Beach is affordable? It's a question that often comes up when you're thinking about a new city since affordability can really shape your decisions. The cost of living index (covered earlier), housing expenses and income levels all play a part in the affordability equation. In Huntington Beach, for example, the median home price is 335% higher than what folks pay nationally, and monthly rent is 107.1% higher than the usual rates. Plus, income levels matter too, with Huntington Beach boasting a median household income of $97,469, which is 76.2% higher than the national average.

What Factors can Influence the Cost of Living in Huntington Beach?

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 Huntington Beach, the housing index is 266.6% higher than the national average.

Groceries: Grocery expenditures have undergone notable escalation over the last 2-3 years. In some markets, the cost of food products has surged by more than 20%, while others have experienced only modest increments. These fluctuations in food costs can have a significant impact on the overall cost of living in any region. In Huntington Beach, the groceries index registers 13.1% higher than the national average.

Healthcare: Healthcare costs and insurance premiums can fluctuate greatly based on the city or state. Access to healthcare facilities, out-of-pocket expenses for doctor\’s visits, dentist costs, medication costs and specialized care costs can all impact the cost of living. In Huntington Beach, the healthcare costs are 1.2% lower than the national average.

Where is the Data From?

The cost of living data in Huntington Beach displayed above is sourced from the C2ER cost of living index, which serves as a practical tool for comparing living expenses across urban areas. Published on a quarterly basis, this index aggregates data from over 300 independent researchers, encompassing more than 60 goods and services, in 6 different categories. The weightings assigned to cost differences rely on government survey data that tracks the spending habits of professional and executive households. It's worth noting that the C2ER index excludes data on sales or income tax rates, while AreaVibes integrates tax rates into the overall cost of living evaluation for each region.

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Cost Of Living Quick Facts

  • The cost of living in Huntington Beach is 34% higher than the California average
  • The cost of living in Huntington Beach is 87% higher than the national average
  • Huntington Beach housing is 267% 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

Most Affordable Places to Live in and Around Huntington Beach

See all the best places to live around Huntington Beach

Compare Huntington Beach, CA Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      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$118,110$9,843$2,756$3,544
      Renters$77,390$6,449$1,806$2,322
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Huntington Beach, CA, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Huntington Beach homeowners, is $118,110. This would allow for a maximum of $2,756 per month to be spent on housing costs. For renters, the median monthly income is $77,390 which would result in a maximum of $1,806 to be spent on rental 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 Huntington Beach National avg. Difference
      Haircut $27.27$24.2612.4%
      Beauty Salon $41.78$45.568.3%
      Toothpaste $3.61$3.702.6%
      Shampoo $1.34$1.284.9%
      Movie $11.04$12.139.0%
      Bowling $21.11$18.0017.3%

      Groceries

      Item Huntington Beach National avg. Difference
      Ground Beef $5.89$5.840.8%
      Fried Chicken $3.49$1.57121.9%
      Milk $4.92$4.675.4%
      Potatoes $4.92$4.930.3%
      Pizza $15.31$12.0926.6%
      Beer $10.26$10.411.4%

      Health Care

      Item Huntington Beach National avg. Difference
      Optometrist $112.92$125.6810.2%
      Doctor $95.50$135.7829.7%
      Dentist $117.28$113.293.5%
      Ibuprofen $10.58$10.650.7%
      Lipitor $521.17$468.6011.2%

      Housing

      Item Huntington Beach National avg. Difference
      Home Price $803,400.00$184,700.00335.0%
      Avg. Mortgage Payment $2,441.43$2,346.694.0%
      Apartment Rent $1,965.00$949.00107.1%

      Transportation

      Item Huntington Beach National avg. Difference
      Gasoline $4.75$3.4637.3%
      Tire Balancing $61.38$59.922.4%

      Utilities

      Item Huntington Beach National avg. Difference
      All Electricity $378.97$193.9995.4%
      Phone $180.31$192.256.2%
      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 Population Cost of Living Index National Avg.
      Hawaiian Gardens, CA14,21214040.1%
      Stanton, CA38,31714242.2%
      Seal Beach, CA24,26814444.2%
      Carson, CA91,35415252.1%
      Santa Ana, CA332,61015352.6%
      Huntington Beach, CA199,77818787.4%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Huntsville, AL199,845982.1%
      Salt Lake City, UT200,13312221.5%
      Grand Rapids, MI199,417927.7%
      Yonkers, NY200,18314444.0%
      Glendale, CA199,35719190.5%
      Huntington Beach, CA199,77818787.4%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.