Oceanside, California Cost Of Living

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F

Overall 38%

Goods & Services 10%

Housing 92%

Date & Last Updated: This data reflects 2022 and was released from C2ER in January, 2022; 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	Oceanside	California	National
Cost of living	138	140	100
Goods & Services	110	109	100
Groceries	112	112	100
Health care	108	109	100
Housing	192	196	100
Transportation	132	132	100
Utilities	121	127	100

Key findings

The cost of living in Oceanside is 1% lower than the California average
The cost of living in Oceanside is 38% higher than the national average
Oceanside housing is 92% higher than the national average
California general sales tax is 42% higher than the national average
California state income tax is 59% lower than the national average

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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	$76,339	$6,362	$1,781	$2,290
Renters	$46,158	$3,847	$1,077	$1,385

A good way to judge both the affordability of the housing and the cost of living in Oceanside 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. Oceanside has a median income of about $76,339 for people who own homes. Based on that number, a maximum of $1,781 should be spent on expenses related to housing. Renters have a slightly different median income, which is $46,158. Based on this average, renters should spend no more than $1,077 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%

Goods & Services

Item	Oceanside	National avg.	Difference
Haircut	$23.83	$20.27	17.6%
Beauty Salon	$65.72	$40.39	62.7%
Toothpaste	$2.26	$2.36	4.1%
Shampoo	$1.38	$1.08	28.5%
Movie	$14.91	$10.99	35.7%
Bowling	$22.56	$15.49	45.6%

Groceries

Item	Oceanside	National avg.	Difference
Ground Beef	$4.52	$4.30	5.1%
Fried Chicken	$1.79	$1.40	28.2%
Milk	$2.30	$2.20	4.4%
Potatoes	$2.99	$3.22	7.1%
Pizza	$12.70	$10.74	18.3%
Beer	$9.93	$9.60	3.5%

Health Care

Item	Oceanside	National avg.	Difference
Optometrist	$123.80	$109.73	12.8%
Doctor	$125.00	$118.34	5.6%
Dentist	$109.73	$100.94	8.7%
Ibuprofen	$11.49	$9.93	15.7%
Lipitor	$490.43	$469.53	4.5%

Housing

Item	Oceanside	National avg.	Difference
Home Price	$384,100.00	$184,700.00	108.0%
Avg. Mortgage Payment	$2,789.33	$1,229.62	126.8%
Apartment Rent	$1,454.00	$949.00	53.2%

Transportation

Item	Oceanside	National avg.	Difference
Gasoline	$3.97	$2.71	46.6%
Tire Balancing	$55.77	$51.86	7.5%

Utilities

Item	Oceanside	National avg.	Difference
All Electricity	$239.65	$170.84	40.3%
Phone	$179.39	$187.18	4.2%

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.
Rainbow, CA	1,780	133	33.3%
Camp Pendleton North, CA	7,885	138	37.6%
Vista, CA	98,560	138	37.9%
Fallbrook, CA	31,771	139	39.3%
San Marcos, CA	91,479	141	41.3%
Oceanside, CA	173,829	138	38.1%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Rancho Cucamonga, CA	173,309	139	38.7%
Santa Rosa, CA	173,165	150	50.1%
Garden Grove, CA	174,676	141	40.6%
Tempe, AZ	174,708	103	2.9%
Fort Lauderdale, FL	175,153	117	16.7%
Oceanside, CA	173,829	138	38.1%

Source: This data reflects 2021 and was released from C2ER in January, 2022; this is the most current data available.