| Index | Upland | California | National |
| Cost of living | 158 | 141 | 100 |
| Groceries | 108 | 111 | 100 |
| Health care | 115 | 116 | 100 |
| Housing | 256 | 197 | 100 |
| Transportation | 121 | 118 | 100 |
| Utilities | 121 | 119 | 100 |
| Lifestyle & Entertainment | 117 | 120 | 100 |
| Household Items | 113 | 111 | 100 |
| Education & Childcare | 124 | 127 | 100 |
Knowing the cost of living in Upland allows individuals to create a realistic budget. This helps them understand how their income will cover expenses and whether they need to make financial adjustments. The cost of living in any region can fluctuate due to various factors. To assess the cost of living consistently across different areas, a national average of 100 serves as the basis for the cost of living index. The cost of living in Upland stands at 158, marking it 58% higher than the national average.
If you prioritize affordability when seeking a new place to live, Upland may not be your ideal choice, as it ranks among the most expensive locations in the entire United States. A very small amount of areas exhibit a cost of living at least 20% higher than the national average, and unfortunately, Upland falls into this category, which may not align with your preferences for a budget-friendly living environment.
Housing costs significantly influence the Upland cost of living index, typically accounting for a substantial portion of one's post-tax income. Regrettably, within this particular region, expenses related to both residential ownership and renting exceeded those observed in an average city by 155.9%. This entails elements such as housing and rental prices, mortgage interest rates and insurance costs.
The routine items you regularly buy for your home, such as cleaning supplies, personal care products, clothing basics, and kitchen essentials, make up 8% of the cost of living index. In Upland, these items cost 12.8% more than the national average, making day-to-day living a bit more expensive.
The real experts on a city are its residents. That's why we reached out to 7 locals to get their views on the cost of living in Upland. We surveyed the residents and asked them if they felt like prices were affordable or out of reach. The results were as follows. 57% found it budget-friendly with decreasing prices, while 43% said it's simply not affordable as prices have continued to rise.
Is Upland an affordable place to live? It's a good question and one that you might want to ask when considering any new city, as affordability can play a huge role in the decision making process. The cost of living index (which we covered above), as well as housing costs and income levels play a vital role in determining the affordability of an area. The median home price in Upland is 195.7% higher than the national average, while the average monthly rent prices are 63% higher than average. The affordability of any location can also be influenced by median income levels. Upland has a median household income of $112,982, which is 38.9% higher than the national average.
Housing: Elevated demand for housing within coveted locales has the propensity to escalate both property values and rental rates, thereby serving as a primary catalyst for an augmented cost of living. Conversely, areas witnessing diminished housing demand, particularly within less desirable environs, often experience an inversely proportional effect, leading to price reductions and subsequently contributing to a more modest cost of living. In Upland, the housing index is 155.9% higher than the national average.
Taxes: Cities that enforce higher taxes, covering both sales taxes and income taxes, can be a factor contributing to a higher cost of living. Paying more in taxes for everyday essentials like clothing and food inevitably leads to higher expenses. A higher income tax rate can further contribute to an overall elevated cost of living. In Upland, the baseline sales tax rate begins at 7.25%, and income tax rates start at 1%.
Transportation: If public transportation is limited or not available, residents may need to own and maintain vehicles, which can add to the cost of living. Gas, insurance, regular maintenance and potentially lease or finance payments will all need to be paid on a monthly basis. In Upland, the transportation index is 20.6% higher than the national average.
The Upland cost of living estimates above use a normalized U.S. average of 100 as the baseline for comparison. Housing values incorporate local home price and rental information from the U.S. Census, while all other estimates are AI-assisted and modeled using expected everyday expenses, local market trends, climate, and transportation-related cost pressures. The results are intended for practical city-to-city comparisons.
| Cost of living index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index | |
| Lifestyle index | |
| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $163,517 | $13,626 | $3,815 | $4,906 |
| Renters | $84,985 | $7,082 | $1,983 | $2,550 |
| State | General Sales Tax | With Max Surtax |
| California | 7.25% | 10.5% |
| State | Income Tax (Low) | Income Tax (High) |
| California | 1% | 13.3% |
| City | Population | Cost of Living Index | National Avg. |
| Bloomington, CA | 22,506 | 130 | 29.9% |
| Lytle Creek, CA | 671 | 133 | 33.4% |
| Fontana, CA | 220,412 | 141 | 41.4% |
| Montclair, CA | 41,014 | 139 | 38.5% |
| Jurupa Valley, CA | 110,862 | 141 | 41.5% |
| Upland, CA | 79,505 | 158 | 58.0% |
| City | Population | Cost of Living Index | National Avg. |
| Gastonia, NC | 79,485 | 96 | 3.8% |
| Cedar Park, TX | 79,540 | 121 | 21.5% |
| Lake Charles, LA | 79,542 | 94 | 5.8% |
| Rapid City, SD | 79,549 | 99 | 1.0% |
| Waldorf, MD | 79,554 | 128 | 27.5% |
| Upland, CA | 79,505 | 158 | 58.0% |
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