F
59%
Overall NAT. AVG.
10%
Groceries NAT. AVG.
165%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Marina California National
Cost of living159141100
Groceries110111100
Health care114116100
Housing265197100
Transportation114118100
Utilities115119100
Lifestyle & Entertainment119120100
Household Items108111100
Education & Childcare118127100
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An Overview of Cost of Living in Marina, CA

Are you thinking about relocating, but curious about the potential cost of living in Marina? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in Marina stands at 159, making it 59% higher than the national average. The cost of living directly affects the affordability of one's desired lifestyle. Knowing the cost of housing, transportation, groceries and other essentials in the new area allows people to gauge whether they can maintain their preferred standard of living.

If you value affordability in your search for a new place to live, Marina 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, Marina falls into this category, which may not align with your desire for an affordable place to call home.

When it comes to the cost of living in Marina, 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 164.9% more expensive compared to your average city. That means you'll be shelling out more for homes, rents, mortgage rates and insurance.

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 Marina, it's the same story – grocery costs are 10.2% higher than what people pay across the country.

Is Marina Affordable?

Is Marina an affordable place to live? It's a good question and one that you might want to ask when considering any new city, as affordability can play a huge role in the decision making process. The cost of living index (which we covered above), as well as housing costs and income levels play a vital role in determining the affordability of an area. The median home price in Marina is 208.4% higher than the national average, while the average monthly rent prices are 63.4% higher than average. The affordability of any location can also be influenced by median income levels. Marina has a median household income of $109,165, which is 34.2% higher than the national average.

What Factors can Influence the Cost of Living in Marina?

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 Marina, the healthcare costs are 14.1% 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.

Utilities: Like everything else, utilities costs can range significantly depending on factors like climate, energy sources available, location and even state regulations. Things like electricity, water, heating and waste disposal costs can be higher or lower, depending on the city or state. The utilities index in Marina comes in at 14.7% higher than the national average.

Where is the Data From?

The cost of living estimates displayed for Marina are modeled using a U.S. average baseline of 100, helping provide a useful comparison of local living expenses. Housing calculations include U.S. Census home price and rental data, while all other values are AI-assisted estimates based on regional cost patterns, climate, transportation, and everyday spending expectations. These values are intended for directional comparisons across cities.

Cost Of Living Quick Facts

  • The cost of living in Marina is 13% higher than the California average
  • The cost of living in Marina is 59% higher than the national average
  • Marina housing is 165% higher than the national average
  • California general sales tax is 42% higher than the national average
  • California state income tax is 61% lower than the national average

Most Affordable Places to Live in and Around Marina

See all the best places to live around Marina

Compare Marina, CA Cost of Living

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      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$147,524$12,294$3,442$4,426
      Renters$83,788$6,982$1,955$2,514
      A good way to judge both the affordability of the housing and the cost of living in Marina is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Marina has a median income of about $147,524 for people who own homes. Based on that number, a maximum of $3,442 should be spent on expenses related to housing. Renters have a slightly different median income, which is $83,788. Based on this average, renters should spend no more than $1,955 on all rental costs if they want to maintain a non-impoverished standard of living.

      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%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Moss Landing, CA3311716.7%
      Boronda, CA1,79013434.1%
      Sand City, CA33313433.7%
      Salinas, CA161,64014949.0%
      Elkhorn, CA1,02015656.2%
      Marina, CA22,44315958.9%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      West Rancho Dominguez, CA22,44114140.9%
      Lexington, SC22,4451032.7%
      Scugog, ON22,436n/a 
      Rotterdam, NY22,4581055.4%
      Silverdale, WA22,45913332.9%
      Marina, CA22,44315958.9%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.