San Jose, California Cost Of Living

F

79%

Overall NAT. AVG.

19%

Goods & Services NAT. AVG.

203%

Housing NAT. AVG.

Date & Last Updated: This data reflects 2022 and was released from C2ER in January, 2022; 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 Jose	California	National
Cost of living	179	140	100
Goods & Services	119	109	100
Groceries	128	112	100
Health care	122	109	100
Housing	303	196	100
Transportation	140	132	100
Utilities	131	127	100

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Cost Of Living Quick Facts

The cost of living in San Jose is 28% higher than the California average
The cost of living in San Jose is 79% higher than the national average
San Jose housing is 203% higher than the national average
California general sales tax is 42% higher than the national average
California state income tax is 56% lower than the national average

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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	$118,008	$9,834	$2,753	$3,541
Renters	$60,447	$5,037	$1,410	$1,814

The percent of monthly income spent on housing can be a good indicator of the affordability of housing in San Jose, 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 Jose homeowners, is $118,008. This would allow for a maximum of $2,753 per month to be spent on housing costs. For renters, the median monthly income is $60,447 which would result in a maximum of $1,410 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%	12.3%

Goods & Services

Item	San Jose	National avg.	Difference
Haircut	$21.17	$20.27	4.4%
Beauty Salon	$71.31	$40.39	76.5%
Toothpaste	$3.06	$2.36	29.7%
Shampoo	$1.36	$1.08	26.0%
Movie	$14.19	$10.99	29.2%
Bowling	$20.50	$15.49	32.3%

Groceries

Item	San Jose	National avg.	Difference
Ground Beef	$4.24	$4.30	1.3%
Fried Chicken	$1.82	$1.40	30.3%
Milk	$2.78	$2.20	26.2%
Potatoes	$2.98	$3.22	7.5%
Pizza	$12.93	$10.74	20.4%
Beer	$10.32	$9.60	7.5%

Health Care

Item	San Jose	National avg.	Difference
Optometrist	$132.96	$109.73	21.2%
Doctor	$139.84	$118.34	18.2%
Dentist	$138.42	$100.94	37.1%
Ibuprofen	$12.22	$9.93	23.0%
Lipitor	$473.62	$469.53	0.9%

Housing

Item	San Jose	National avg.	Difference
Home Price	$658,000.00	$184,700.00	256.3%
Avg. Mortgage Payment	$2,714.78	$1,229.62	120.8%
Apartment Rent	$1,689.00	$949.00	78.0%

Transportation

Item	San Jose	National avg.	Difference
Gasoline	$3.95	$2.71	45.7%
Tire Balancing	$68.02	$51.86	31.2%

Utilities

Item	San Jose	National avg.	Difference
All Electricity	$266.98	$170.84	56.3%
Phone	$185.39	$187.18	1.0%

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.
Mountain View CDP, CA	2,585	136	36.3%
Boulder Creek, CA	4,442	155	54.5%
Alum Rock, CA	11,877	157	56.7%
East Palo Alto, CA	29,353	161	60.9%
Newark, CA	44,677	167	66.8%
San Jose, CA	1,009,363	179	78.8%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Edmonton, AB	1,053,392	n/a
Ottawa, ON	1,058,126	n/a
Austin, TX	907,779	107	7.4%
Jacksonville, FL	856,616	92	7.7%
San Francisco, CA	850,282	203	103.1%
San Jose, CA	1,009,363	179	78.8%

Date & Last Updated: This data reflects 2022 and was released from C2ER in January, 2022; this is the most current data available.