Napa, CA Cost Of Living

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Napa cost of living index

Date & Last Updated: This data reflects 2019 and was released from C2ER in January, 2020; this is the most current data available.

The cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average. The breakdown for each index is as follows: goods and services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index	Napa	California	National
Cost of living	158	140	100
Index	Napa	California	National
Goods & Services	130	111	100
Groceries	126	118	100
Health care	127	113	100
Housing	226	196	100
Transportation	137	128	100
Utilities	121	118	100

Key findings

The cost of living in Napa is 13% higher than the California average
The cost of living in Napa is 58% higher than the national average
Napa housing is 126% higher than the national average
California general sales tax is 42% higher than the national average
California state income tax is 55% lower than the national average

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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	$92,242	$7,687	$2,152	$2,768
Renters	$53,038	$4,420	$1,237	$1,591

The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Napa, CA, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Napa, homeowners have a median income of $92,242. Using that number, a maximum of $2,152 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $53,038, which means there is a maximum of $1,237 to be spent on the costs of renting a home or apartment.

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%

Goods & Services

Item	Napa	National avg.	Difference
Haircut	$19.71	$17.49	12.7%
Beauty Salon	$67.86	$38.17	77.8%
Toothpaste	$2.93	$2.32	26.2%
Shampoo	$1.33	$1.01	31.4%
Movie	$12.11	$10.72	12.9%
Bowling	$19.83	$13.86	43.1%

Groceries

Item	Napa	National avg.	Difference
Ground Beef	$3.71	$3.90	4.9%
Fried Chicken	$1.35	$1.40	3.3%
Milk	$2.39	$1.96	21.8%
Potatoes	$2.66	$3.18	16.4%
Pizza	$13.70	$10.39	31.8%
Beer	$10.49	$9.23	13.7%

Health Care

Item	Napa	National avg.	Difference
Optometrist	$136.71	$106.34	28.6%
Doctor	$150.71	$115.25	30.8%
Dentist	$139.14	$98.38	41.4%
Ibuprofen	$11.99	$9.26	29.5%
Lipitor	$442.32	$466.47	5.2%

Housing

Item	Napa	National avg.	Difference
Home Price	$476,800.00	$184,700.00	158.1%
Avg. Mortgage Payment	$3,196.29	$1,273.32	151.0%
Apartment Rent	$1,428.00	$949.00	50.5%

Transportation

Item	Napa	National avg.	Difference
Gasoline	$3.79	$2.59	46.2%
Tire Balancing	$61.00	$48.90	24.8%

Utilities

Item	Napa	National avg.	Difference
All Electricity	$228.47	$167.60	36.3%
Phone	$184.65	$163.42	13.0%

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, State	Population	Cost of Living Index	National Avg.
Oakville, CA	151	129	29%
Moskowite Corner, CA	198	85	-15%
Lemon Hill, CA	13,575	101	1%
Green Valley CDP (Los Angeles County), CA	1,000	127	27%
Vallejo, CA	119,644	131	31%
Napa, CA	79,567	158	58%

Cities with similar population

City, State	Population	Cost of Living Index	National Avg.
Somerville, MA	79,507	158	58%
Tustin, CA	79,396	155	55%
Lawrence, MA	79,337	120	20%
New Rochelle, NY	79,299	153	53%
Parma, OH	80,088	91	-9%
Napa, CA	79,567	158	58%