| Index | Rancho Cordova | California | National |
| Cost of living | 132 | 141 | 100 |
| Groceries | 108 | 111 | 100 |
| Health care | 113 | 116 | 100 |
| Housing | 170 | 197 | 100 |
| Transportation | 119 | 118 | 100 |
| Utilities | 122 | 119 | 100 |
| Lifestyle & Entertainment | 115 | 120 | 100 |
| Household Items | 109 | 111 | 100 |
| Education & Childcare | 130 | 127 | 100 |
Knowing the cost of living in Rancho Cordova allows individuals to create a realistic budget. This helps them understand how their income will cover expenses and whether they need to make financial adjustments. The cost of living in any region can fluctuate due to various factors. To assess the cost of living consistently across different areas, a national average of 100 serves as the basis for the cost of living index. The cost of living in Rancho Cordova stands at 132, marking it 32% higher than the national average.
If you prioritize affordability when seeking a new place to live, Rancho Cordova may not be your ideal choice, as it ranks among the most expensive locations in the entire United States. A very small amount of areas exhibit a cost of living at least 20% higher than the national average, and unfortunately, Rancho Cordova falls into this category, which may not align with your preferences for a budget-friendly living environment.
Housing costs are a major factor in the Rancho Cordova cost of living index, and they often eat up a big chunk of your take-home pay. Unfortunately, in this area, housing expenses for both homeownership and rentals were 69.6% higher than what's typical in an average city. That includes the prices of homes and rents, as well as mortgage rates and insurance.
Is Rancho Cordova affordable? This is a pivotal question, especially when mulling over a move, as affordability carries substantial weight in your decision-making process. Factors such as the cost of living index (discussed earlier), housing expenses and income levels all contribute to a location's affordability. For instance, in Rancho Cordova, the median home price is 82.8% higher than the national average and monthly rent prices are 38.9% higher than the typical rates. Additionally, the median income levels play a role in affordability, with Rancho Cordova boasting a median household income of $103,207, 26.9% higher than the national average.
Transportation: In areas where public transportation is scarce or unavailable, residents often find themselves compelled to own and upkeep vehicles, thereby increasing the overall cost of living. Monthly expenses encompass fuel, insurance, routine maintenance and potentially lease or financing payments. In Rancho Cordova, the transportation index is 18.8% higher than the national average.
Utilities: As with the prices of anything else, utility costs can exhibit significant variations, contingent on factors like climate, energy source availability, geographic location and state regulations. The expenses associated with electricity, water, heating, and waste disposal can fluctuate, either upward or downward, depending on the particular city or state. In Rancho Cordova, the utilities index registers 22.1% higher than the national average.
Subsidies: Some cities and states may extend government subsidies or aid programs aimed at reducing the cost of living for their residents. These initiatives encompass diverse forms of support, including Medicare, Medicaid, housing subsidies, low-income home energy assistance programs, school lunch programs, supplemental nutrition assistance programs, student loans, electric vehicle tax credits, affordable care act subsidies and farm subsidies. Regions with limited subsidy provisions may witness an increase in their overall cost of living.
The Rancho Cordova cost of living data displayed above uses a U.S. average baseline of 100 to provide a practical way to compare living expenses across cities. Housing estimates incorporate U.S. Census home price and rental data, while all other values are generated using AI-assisted models based on everyday expense expectations, regional pricing trends, climate, transportation patterns, and local economic conditions. These values are designed for directional city-to-city comparisons.
| Cost of living index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index | |
| Lifestyle index | |
| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $136,719 | $11,393 | $3,190 | $4,102 |
| Renters | $75,935 | $6,328 | $1,772 | $2,278 |
| State | General Sales Tax | With Max Surtax |
| California | 7.25% | 10.5% |
| State | Income Tax (Low) | Income Tax (High) |
| California | 1% | 13.3% |
| City | Population | Cost of Living Index | National Avg. |
| Freeport, CA | 71 | 116 | 15.6% |
| Clarksburg, CA | 377 | 117 | 17.0% |
| Fruitridge Pocket, CA | 5,940 | 116 | 16.0% |
| McClellan Park, CA | 870 | 117 | 16.6% |
| North Highlands, CA | 50,172 | 119 | 18.7% |
| Rancho Cordova, CA | 77,119 | 132 | 31.9% |
| City | Population | Cost of Living Index | National Avg. |
| Centreville, VA | 77,124 | 142 | 41.7% |
| Gary, IN | 77,151 | 81 | 19.3% |
| Milpitas, CA | 77,004 | 217 | 116.6% |
| Rock Hill, SC | 76,923 | 98 | 1.8% |
| Missoula, MT | 77,349 | 114 | 13.8% |
| Rancho Cordova, CA | 77,119 | 132 | 31.9% |
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