Saratoga, California Cost Of Living

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Overall 209%

Goods & Services 19%

Housing 637%

Date & Last Updated: This data reflects 2020 and was released from C2ER in January, 2021; 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	Saratoga	California	National
Cost of living	309	140	100
Goods & Services	119	109	100
Groceries	128	112	100
Health care	122	109	100
Housing	737	196	100
Transportation	140	132	100
Utilities	131	127	100

Key findings

The cost of living in Saratoga is 121% higher than the California average
The cost of living in Saratoga is 209% higher than the national average
Saratoga housing is 637% higher than the national average
California general sales tax is 42% higher than the national average
California state income tax is 59% 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	$181,149	$15,096	$4,227	$5,435
Renters	$111,660	$9,305	$2,605	$3,350

To approximate the cost of living and the housing affordability in Saratoga, CA, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Saratoga have a median income of $181,149. Therefore, the amount that a consumer should spend on housing costs should be no more than $4,227 per month to avoid calamity and poverty. The renters in the city have an income of about $111,660, which would make their monthly maximum allowable rental costs $2,605.

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	Saratoga	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	Saratoga	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	Saratoga	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	Saratoga	National avg.	Difference
Home Price	$1,742,900.00	$184,700.00	843.6%
Avg. Mortgage Payment	$2,714.78	$1,229.62	120.8%
Apartment Rent	$2,410.00	$949.00	154.0%

Transportation

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

Utilities

Item	Saratoga	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, State	Population	Cost of Living Index	National Avg.
Mountain View CDP, CA	2,585	136	36%
Zayante, CA	941	146	46%
Lompico, CA	902	146	46%
Boulder Creek, CA	4,442	155	55%
Alum Rock, CA	11,877	157	57%
Saratoga, CA	30,830	309	209%

Cities with similar population

City, State	Population	Cost of Living Index	National Avg.
Miami Lakes, FL	30,833	125	25%
Granger, IN	30,819	101	1%
Oceanside, NY	30,813	153	53%
Queen Creek, AZ	30,849	113	13%
Holladay, UT	30,793	121	21%
Saratoga, CA	30,830	309	209%

Source: The Saratoga, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2020.