Cost of Living in Montara, CA

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F
125%
Overall NAT. AVG.
10%
Groceries NAT. AVG.
384%
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 Montara California National
Cost of living225141100
Groceries110111100
Health care113116100
Housing484197100
Transportation116118100
Utilities115119100
Lifestyle & Entertainment117120100
Household Items110111100
Education & Childcare118127100
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Homes For Sale In Montara, CA

property for sale

346 12th St

Montara, CA
property for sale

468 4th St

Montara, CA
property for sale

284 2nd St

Montara, CA
property for sale

256 6th St

Montara, CA

Cost Of Living Quick Facts

  • The cost of living in Montara is 60% higher than the California average
  • The cost of living in Montara is 125% higher than the national average
  • Montara housing is 384% 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 Montara

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Compare Montara, CA Cost of Living

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      Transportation index
      Utilities index
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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$232,012$19,334$5,413$6,961
      Renters$310,137$25,845$7,236$9,305

      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.
      Colma, CA1,528202102.4%
      Daly City, CA111,327204104.4%
      Alameda, CA82,498206106.1%
      South San Francisco, CA68,998207107.1%
      Brisbane, CA4,796209109.1%
      Montara, CA2,902225124.9%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Dermott, AR2,9028019.7%
      Paramount-Long Meadow, MD2,90211717.2%
      Mountain Lodge Park, NY2,90211110.8%
      Holualoa, HI2,901212112.0%
      Norwood, NC2,9019010.2%
      Montara, CA2,902225124.9%
      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.
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