Cost of Living in Oracle, AZ

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A+
0%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
5%
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 Oracle Arizona National
Cost of living100101100
Groceries99101100
Health care100101100
Housing9596100
Transportation102102100
Utilities110111100
Lifestyle & Entertainment105103100
Household Items101101100
Education & Childcare106103100
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Homes For Sale In Oracle, AZ

property for sale

320 N Estill Dr

Oracle, AZ
property for sale

1045 W Barbara Pl

Oracle, AZ
property for sale

475 N Timberline Rd

Oracle, AZ
property for sale

31919 S Bayberry Ct

Oracle, AZ

Cost Of Living Quick Facts

  • The cost of living in Oracle is equal to the Arizona average
  • The cost of living in Oracle is equal to the national average
  • Oracle housing is 5% lower than the national average
  • Arizona general sales tax is 10% higher than the national average
  • Arizona state income tax is 4% lower than the national average

Most Affordable Places to Live in and Around Oracle

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$58,135$4,845$1,356$1,744
      Renters$66,494$5,541$1,551$1,995
      A good way to judge both the affordability of the housing and the cost of living in Oracle 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. Oracle has a median income of about $58,135 for people who own homes. Based on that number, a maximum of $1,356 should be spent on expenses related to housing. Renters have a slightly different median income, which is $66,494. Based on this average, renters should spend no more than $1,551 on all rental costs if they want to maintain a non-impoverished standard of living.

      Arizona Sales Tax

      State General Sales Tax With Max Surtax
      Arizona 5.6% 10.725%

      Arizona Income Tax

      State Income Tax (Low) Income Tax (High)
      Arizona 2.5% 2.5%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Summerhaven, AZ371021.9%
      Campo Bonito, AZ601032.6%
      Mammoth, AZ1,5658713.4%
      San Manuel, AZ3,7818911.5%
      Catalina, AZ6,9151011.0%
      Oracle, AZ4,0121000.5%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Moosup, CT4,0111043.7%
      Romeo, MI4,0111000.5%
      Ridgeland, SC4,013936.5%
      Hunter, OH4,010972.9%
      West Columbia, TX4,010936.7%
      Oracle, AZ4,0121000.5%
      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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