F
48%
Overall NAT. AVG.
8%
Groceries NAT. AVG.
142%
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 Martha Lake Washington National
Cost of living148119100
Groceries108107100
Health care108109100
Housing242138100
Transportation107112100
Utilities107110100
Lifestyle & Entertainment108112100
Household Items105107100
Education & Childcare110117100
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An Overview of Cost of Living in Martha Lake, WA

Are you thinking about relocating, but curious about the potential cost of living in Martha Lake? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in Martha Lake stands at 148, making it 48% 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 affordability is among your top priorities when searching for a new place to live, this area may not be the ideal fit, as the cost of living in Martha Lake is among the most expensive in the United States. Just a minority of areas exhibit a cost of living at least 20% higher than the national average, and unfortunately, Martha Lake falls into this category, which may not align with your goal of finding a budget-friendly living environment.

Housing costs are a very significant part of the Martha Lake cost of living index and generally encompass a large percentage of take-home income. Unfortunately, in this area, the housing costs for both homes and rentals were 141.9% more than the average city. This includes things like home and rent prices, mortgage rates and insurance.

Is Martha Lake Affordable?

Wondering if Martha Lake 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 Martha Lake, for example, the median home price is 167.9% higher than what folks pay nationally, and monthly rent is 81.2% higher than the usual rates. Plus, income levels matter too, with Martha Lake boasting a median household income of $164,756, which is 102.6% higher than the national average.

What Factors can Influence the Cost of Living in Martha Lake?

Utilities: As with the prices of anything else, utility costs can exhibit significant variations, contingent on factors like climate, energy source availability, geographic location and state regulations. The expenses associated with electricity, water, heating, and waste disposal can fluctuate, either upward or downward, depending on the particular city or state. In Martha Lake, the utilities index registers 7.4% higher than the national average.

Healthcare: Healthcare expenses and insurance premiums can vary significantly depending on the specific city or state. Factors such as accessibility to healthcare facilities, out-of-pocket expenses for doctor's visits, dental care expenses, prescription costs and specialized medical care fees can all influence the overall cost of living. In Martha Lake, healthcare costs are 7.8% 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 Martha Lake, the groceries index is 8% higher than the national average.

Where is the Data From?

The Martha Lake cost of living data displayed above uses a U.S. average baseline of 100 to provide a practical way to compare living expenses across cities. Housing estimates incorporate U.S. Census home price and rental data, while all other values are generated using AI-assisted models based on everyday expense expectations, regional pricing trends, climate, transportation patterns, and local economic conditions. These values are designed for directional city-to-city comparisons.

Cost Of Living Quick Facts

  • The cost of living in Martha Lake is 25% higher than the Washington average
  • The cost of living in Martha Lake is 48% higher than the national average
  • Martha Lake housing is 142% higher than the national average
  • Washington general sales tax is 27% higher than the national average
  • Washington state income tax is 100% lower than the national average

Most Affordable Places to Live in and Around Martha Lake

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Compare Martha Lake, WA 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$183,008$15,251$4,270$5,491
      Renters$106,023$8,835$2,474$3,181
      A good way to judge both the affordability of the housing and the cost of living in Martha Lake 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. Martha Lake has a median income of about $183,008 for people who own homes. Based on that number, a maximum of $4,270 should be spent on expenses related to housing. Renters have a slightly different median income, which is $106,023. Based on this average, renters should spend no more than $2,474 on all rental costs if they want to maintain a non-impoverished standard of living.

      Washington Sales Tax

      State General Sales Tax With Max Surtax
      Washington 6.5% 10.4%

      Washington Income Tax

      State Income Tax (Low) Income Tax (High)
      Washington 0% 0%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Hat Island, WA621099.1%
      Port Gamble Tribal Community, WA802990.8%
      Indianola, WA3,67812928.9%
      Marysville, WA71,85513130.9%
      Snohomish, WA10,50713332.8%
      Martha Lake, WA22,79814847.8%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Vicksburg, MS22,7998514.9%
      Ruston, LA22,812954.9%
      Patterson, CA22,82713231.8%
      Wilmot, ON22,827n/a 
      Pace, FL22,7601043.7%
      Martha Lake, WA22,79814847.8%
      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.