F
19%
Overall NAT. AVG.
12%
Goods & Services NAT. AVG.
38%
Housing NAT. AVG.
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Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; 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 San Bernardino California National
Cost of living119140100
Goods & Services112111100
Groceries113112100
Health care99109100
Housing138196100
Transportation124126100
Utilities94127100

An Overview of Cost of Living in San Bernardino, CA

Getting a feel for the cost of living in San Bernardino is essential for anyone planning to relocate, as it empowers them to make informed financial decisions, secure a comfortable lifestyle and maintain financial stability in their new environment. The cost of living in San Bernardino is 119, which is 19% higher than the national average. Relocating individuals may need to adjust their savings and investment strategies based on the cost of living in the new location. It influences decisions about retirement planning, investments and financial goals.

Housing costs are a major factor in the San Bernardino 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 38.4% higher than what's typical in an average city. That includes the prices of homes and rents, as well as mortgage rates and insurance.

Recurring essentials like haircuts, toothpaste, and entertainment, from movies to gym sessions, can really add up in your budget and make up 33% of the cost of living index. In San Bernardino, you you will have to spend 12% more than average when compared to the typical prices for these items, making it a more expensive place to live.

The surge in grocery costs is indeed alarming, especially when groceries make up a large portion of your monthly expenditures. Over the past two years, there has been an inflation of over 10% in grocery prices. Unfortunately, San Bernardino does not fare better, with grocery expenses coming in at 13.1% higher than the national average.

What Do Locals Say About the Cost of Living in San Bernardino?

Locals have the inside scoop on their city. So, we polled 12 residents in San Bernardino to learn how they view the cost of living. We asked how they felt about the cost of living in their area, and if they thought that prices were increasing, decreasing or staying the same. The verdict? 17% find it reasonable with decreasing prices, but 83% think it's quite pricey, with prices that continue to rise.

Is San Bernardino Affordable?

Is San Bernardino an affordable place to live? That's a valid question to ask when you're thinking about moving to a new city. After all, how much it costs to live somewhere can be a huge factor in your decision. Affordability can be broken down into 3 common categories. The cost of living index (we talked about it earlier), housing expenses and income levels all play a big role in figuring out if a place is affordable. For instance, in San Bernardino, the median home price is 47.6% higher than what most folks pay across the country, and monthly rent prices are 16.9% higher than the usual rates. Income levels in San Bernardino come in at $49,287, which is 10.9% lower than the national average.

What Factors can Influence the Cost of Living in San Bernardino?

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 San Bernardino, the transportation index is 23.9% higher than the national average.

Housing: When there's a high demand for housing in trendy places, it can cause property prices and rental rates to soar, leading to a significantly higher cost of living. Conversely, in less desirable locations, where demand is low, prices tend to decrease, resulting in a more budget-friendly cost of living. In San Bernardino, the housing index is 38.4% higher than the national average.

Utilities: Much like any other costs, utility expenses can exhibit considerable variations, influenced by factors such as climate, available energy sources, geographic location and state regulations. The costs associated with electricity, water, heating, and waste disposal can vary significantly depending on the city or state in question. In San Bernardino, the utilities index stands at 5.9% lower than the national average.

Where is the Data From?

The San Bernardino cost of living data you see above is sourced from the C2ER cost of living index, providing a practical and accurate means of comparing living expenses in urban areas. Updated quarterly, this index gathers data from over 300 independent researchers, covering more than 60 goods and services, in 6 different categories. These selections are made meticulously to represent a wide range of consumer expenditure categories. The weightings applied to cost differences are based on government survey data that tracks spending patterns among professional and executive households. It's important to note that while the C2ER index excludes data on sales or income tax rates, AreaVibes factors tax rates into the overall cost of living score for each region.

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Cost Of Living Quick Facts

  • The cost of living in San Bernardino is 15% lower than the California average
  • The cost of living in San Bernardino is 19% higher than the national average
  • San Bernardino housing is 38% 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 San Bernardino

See all the best places to live around San Bernardino

Compare San Bernardino, CA Cost of Living

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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
      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$70,463$5,872$1,644$2,114
      Renters$34,735$2,895$810$1,042
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in San Bernardino, CA, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for San Bernardino homeowners, is $70,463. This would allow for a maximum of $1,644 per month to be spent on housing costs. For renters, the median monthly income is $34,735 which would result in a maximum of $810 to be spent on rental costs.

      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 San Bernardino National avg. Difference
      Haircut $27.27$24.2612.4%
      Beauty Salon $41.78$45.568.3%
      Toothpaste $3.61$3.702.6%
      Shampoo $1.34$1.284.9%
      Movie $11.04$12.139.0%
      Bowling $21.11$18.0017.3%

      Groceries

      Item San Bernardino National avg. Difference
      Ground Beef $5.89$5.840.8%
      Fried Chicken $3.49$1.57121.9%
      Milk $4.92$4.675.4%
      Potatoes $4.92$4.930.3%
      Pizza $15.31$12.0926.6%
      Beer $10.26$10.411.4%

      Health Care

      Item San Bernardino National avg. Difference
      Optometrist $112.92$125.6810.2%
      Doctor $95.50$135.7829.7%
      Dentist $117.28$113.293.5%
      Ibuprofen $10.58$10.650.7%
      Lipitor $521.17$468.6011.2%

      Housing

      Item San Bernardino National avg. Difference
      Home Price $272,600.00$184,700.0047.6%
      Avg. Mortgage Payment $2,441.43$2,346.694.0%
      Apartment Rent $1,109.00$949.0016.9%

      Transportation

      Item San Bernardino National avg. Difference
      Gasoline $4.75$3.4637.3%
      Tire Balancing $61.38$59.922.4%

      Utilities

      Item San Bernardino National avg. Difference
      All Electricity $378.97$193.9995.4%
      Phone $180.31$192.256.2%
      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.
      Calimesa, CA9,15611818.5%
      Crestline, CA9,35111918.8%
      Running Springs, CA4,41012019.9%
      Muscoy, CA11,54612020.5%
      Colton, CA54,21512222.2%
      San Bernardino, CA216,78411918.9%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Tacoma, WA215,76612827.6%
      Des Moines, IA215,408909.9%
      Richmond Hill, ON215,407n/a 
      Spring Valley, NV218,69711211.7%
      Enterprise, NV214,59111717.3%
      San Bernardino, CA216,78411918.9%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.