Cost of Living in Pismo Beach, CA

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F
86%
Overall NAT. AVG.
7%
Groceries NAT. AVG.
251%
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 Pismo Beach California National
Cost of living186141100
Groceries107111100
Health care112116100
Housing351197100
Transportation117118100
Utilities113119100
Lifestyle & Entertainment124120100
Household Items109111100
Education & Childcare128127100
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Homes For Sale In Pismo Beach, CA

property for sale

1577 El Camino Real

Arroyo Grande, CA
property for sale

100 Cliff Ave

Pismo Beach, CA
property for sale

435 Ocean View Ave

Pismo Beach, CA
property for sale

100 Pismo Ave #106

Pismo Beach, CA

Cost Of Living Quick Facts

  • The cost of living in Pismo Beach is 32% higher than the California average
  • The cost of living in Pismo Beach is 86% higher than the national average
  • Pismo Beach housing is 251% 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 Pismo Beach

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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$144,864$12,072$3,380$4,346
      Renters$85,599$7,133$1,997$2,568
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Pismo Beach, 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 Pismo Beach, homeowners have a median income of $144,864. Using that number, a maximum of $3,380 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $85,599, which means there is a maximum of $1,997 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%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Guadalupe, CA7,84813030.1%
      Santa Maria, CA109,24813837.8%
      Oceano, CA7,82013737.1%
      Grover Beach, CA13,97415757.0%
      Nipomo, CA18,60216463.6%
      Pismo Beach, CA8,30618685.6%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Larkfield-Wikiup, CA8,30716968.5%
      Oak Island, NC8,3081109.8%
      Camrose County, AB8,308n/a 
      Laughlin, NV8,310982.4%
      Whitmore Lake, MI8,2991000.4%
      Pismo Beach, CA8,30618685.6%
      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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