San Clemente cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexSan ClementeCaliforniaNational
Cost of living index186138100
IndexSan ClementeCaliforniaNational
Goods & Services index108110100
Groceries index114115100
Health care index105109100
Housing index357196100
Transportation index132125100
Utilities index103114100
Displayed above is a general overview of the San Clemente, CA cost of living index. The overall cost of living index in San Clemente, CA is 186, which is 34% higher than the California average and 86% higher than the national average. The cost of living index is created from the following categories: goods/services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). As you can see, goods/services and housing make up the majority of the overall cost of living index. Everyday goods and services can be a good indicator of the general cost of goods in a given city. In this case, the goods and services in San Clemente, CA are 1% lower than the California average and 8% higher than the national average.

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Did you know?

  • The cost of living in San Clemente is 34% higher than the California average.
  • The cost of living in San Clemente is 86% higher than the national average.
  • The cost of housing in San Clemente is 257% higher than the national average.
  • California general sales tax is 42% higher than the national average.
  • California state income tax is 55% lower than the national average.

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Compare San Clemente, CA Cost of living To Other Cities

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
The salary calculator is meant to help you compare your salary in San Clemente, CA to your potential earning power in another city. This can help you deduce what your salary would need to be in any given city in order for you to live the same lifestyle that you do in your current city. In other words, if you plan on moving to a city where the cost of living is higher than in San Clemente, CA, you'll have to make more money in the new city in order to maintain the lifestyle you currently enjoy. To use the San Clemente, CA salary calculator, simply input the new city, then move the adjustable slider to match your current income. Once you've selected your income, the calculator will determine if that income is sufficient to support your standard of living in the new city you entered. The calculator will also supply you with a rundown of living costs in the new city.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$130,247$10,854$3,039$3,908
Renters$55,123$4,594$1,286$1,654
A good way to judge both the affordability of the housing and the cost of living is by simply calculating the maximum that a person should spend on housing in San Clemente, CA, otherwise known as the debt-to-income ratio (DTI). The safest way to live in the city is to avoid spending more than 28 percent of the gross income that one earns on costs that pertain to housing and no more than 36 percent on all expenses and debts. San Clemente, CA has a median income of about $130,247 for people who own homes. Based on that number, a person should spend a maximum of $3,039 on expenses related to housing. Renters have a slightly different median income, which is $55,123. Based on this average, renters should spend no more than $1,286 on all of their rental costs if they want to maintain a non-impoverished standard of living.

California Sales Tax

StateGeneral Sales TaxWith Max Surtax
California7.25%10.25%

California Income Tax

StateIncome Tax (Low)Income Tax (High)
California1%13.3%
When considering the overall cost of living expenses in San Clemente, CA, it's important to take into account the sales tax for California, as well as the rate for income tax in California. Goods and services sold to consumers in any state have some form of sales tax. Each state has its own tax code, which means that sales tax rates vary from state to state, ranging from over 7% in some states to as low as 0% in others. The maximum surtax for California is 10.25%, and the sales tax in the state of California is 7.25%. Alternatively, the tax imposed on your income by the state government is known as income tax. The rate for this tax also varies from state to state, and your rate is affected by your tax bracket, which is determined by your level of income. Income tax rates might be as high as 9%, down to as low as 0%. The range for income tax rates in California starts from 1% and goes up to 13.3%.

Goods & Services

ItemSan ClementeNational avg.Difference
Haircut $20.43$16.0927.0%
Beauty Salon $60.87$37.3363.0%
Toothpaste $2.55$2.454.2%
Shampoo $1.29$1.0028.9%
Movie $13.65$10.2832.8%
Bowling $6.68$4.9335.5%

Groceries

ItemSan ClementeNational avg.Difference
Ground Beef $4.49$3.8018.0%
Fried Chicken $1.04$1.4025.8%
Milk $2.23$2.0110.9%
Potatoes $2.77$3.018.1%
Pizza $10.99$9.8911.2%
Beer $9.88$8.9011.0%

Health Care

ItemSan ClementeNational avg.Difference
Optometrist $101.17$102.161.0%
Doctor $96.00$108.3611.4%
Dentist $106.60$92.5315.2%
Ibuprofen $12.77$9.2837.6%
Lipitor $409.56$425.823.8%

Housing

ItemSan ClementeNational avg.Difference
Home Price $801,100.00$184,700.00333.7%
Avg. Mortgage Payment $3,375.06$1,202.44180.7%
Apartment Rent $1,696.00$949.0078.7%

Transportation

ItemSan ClementeNational avg.Difference
Gasoline $3.03$2.2434.9%
Tire Balancing $59.13$46.2927.7%

Utilities

ItemSan ClementeNational avg.Difference
All Electricity$190.81$165.9615.0%
Phone $25.97$28.689.5%
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, StatePopulationCost of Living IndexNational Avg.
Las Flores CDP (Tehama County), CA32411212%
Lakeland Village, CA11,69811111%
Laguna Woods, CA16,34711919%
Lake Forest, CA80,65815858%
Aliso Viejo, CA50,21915858%
San Clemente, CA65,08218686%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Delray Beach, FL65,0441099%
Youngstown, OH65,16176-24%
Rockville, MD65,17115050%
Laguna Niguel, CA64,98417777%
Marysville, WA64,95511515%
San Clemente, CA65,08218686%
Source: The San Clemente, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2017.