Cost of Living in Rio del Mar, CA

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F
114%
Overall NAT. AVG.
9%
Groceries NAT. AVG.
341%
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 Rio del Mar California National
Cost of living214141100
Groceries109111100
Health care114116100
Housing441197100
Transportation120118100
Utilities117119100
Lifestyle & Entertainment122120100
Household Items113111100
Education & Childcare129127100
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Homes For Sale In Rio del Mar, CA

property for sale

995 Via Tornasol

Aptos, CA
property for sale

111 Seascape Resort Dr

Aptos, CA
property for sale

555 Vista del Mar Dr

Aptos, CA
property for sale

264 Beach Dr

Aptos, CA

Cost Of Living Quick Facts

  • The cost of living in Rio del Mar is 52% higher than the California average
  • The cost of living in Rio del Mar is 114% higher than the national average
  • Rio del Mar housing is 341% 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 Rio del Mar

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      Salary Calculator

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      Price difference in compared to
      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
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      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$211,910$17,659$4,944$6,358
      Renters$113,738$9,478$2,654$3,412
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Rio del Mar, 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 Rio del Mar, homeowners have a median income of $211,910. Using that number, a maximum of $4,944 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $113,738, which means there is a maximum of $2,654 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.
      Moss Landing, CA3311716.7%
      Live Oak city, CA8,7861076.7%
      Live Oak, CA9,00711716.9%
      Paradise Park, CA47813737.3%
      Pajaro, CA3,58914241.8%
      Rio del Mar, CA9,988214113.9%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Little River, SC9,987991.4%
      Myers Corner, NY9,98612019.8%
      Kensington, CT9,98511818.5%
      Loudoun Valley Estates, VA9,99116968.7%
      Temiskaming Shores, ON9,984n/a 
      Rio del Mar, CA9,988214113.9%
      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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