F
23%
Overall NAT. AVG.
9%
Goods & Services NAT. AVG.
51%
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 Yuba City California National
Cost of living123140100
Goods & Services109111100
Groceries108112100
Health care113109100
Housing151196100
Transportation121126100
Utilities114127100

An Overview of Cost of Living in Yuba City, CA

Knowing the cost of living in Yuba City 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 Yuba City stands at 123, marking it 23% higher than the national average.

If you prioritize affordability when seeking a new place to live, Yuba City 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, Yuba City falls into this category, which may not align with your preferences for a budget-friendly living environment.

Housing costs are a major factor in the Yuba City 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 50.6% higher than what's typical in an average city. That includes the prices of homes and rents, as well as mortgage rates and insurance.

What Do Locals Say About the Cost of Living in Yuba City?

When it comes to knowing a city, its residents are the experts. We conducted a survey with 10 locals to understand their opinions on the cost of living in Yuba City. The results indicated that 20% found it reasonably priced with decreasing prices of goods and services, while 80% viewed it as quite expensive, with increasing prices.

Is Yuba City Affordable?

Is Yuba City affordable? It's a key consideration when pondering a move, as affordability often shapes your choices. The cost of living index (we discussed it earlier), coupled with housing costs and income levels, serves as the cornerstone for determining a location's affordability. Take Yuba City, for instance, where the median home price falls 64.9% higher than the national average, and monthly rent rates are 17.1% higher than usual. Additionally, median income levels contribute to the equation, with Yuba City flaunting a median household income of $60,910, 10.1% higher than the national norm.

What Factors can Influence the Cost of Living in Yuba City?

Utilities: Similar to the prices of any goods or services, utility expenses can fluctuate widely, contingent on variables such as climate, available energy sources, geographical location and state regulations. Costs associated with electricity, water, heating, and waste disposal can differ in magnitude, depending on the specific city or state. In Yuba City, the utilities index registers at 14% higher than the national average.

Urbanization: Urban areas with a wealth of amenities and employment opportunities tend to come with a higher price tag for living. Why? Well, more people want to be there, which drives up home prices and rents. On the flip side, less densely populated rural areas or places where there's not as much demand usually mean fewer attractions, things to do and slower job growth. That often results in a lower cost of living.

Groceries: Grocery costs have continued to increase significantly over the last 2-3 years. In some markets the cost of food has gone up by more than 20% in that period. While other markets have managed to see only a moderate uptick. These food costs can have a major impact on the cost of living in any area. In Yuba City, the groceries index is 8.2% higher than the national average.

Where is the Data From?

The cost of living in Yuba City, presented above is derived from the C2ER cost of living index, offering a practical method for assessing living cost disparities in urban areas. Published quarterly, this index compiles data from more than 300 independent researchers, encompassing over 60 goods and services in 6 categories. The weightings assigned to cost variances are informed by government survey data tracking the expenditure patterns of professional and executive households. It should be noted that the C2ER index does not include data on sales or income tax rates, however, AreaVibes incorporates tax rates into the overall cost of living score for each area.

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Cost Of Living Quick Facts

  • The cost of living in Yuba City is 12% lower than the California average
  • The cost of living in Yuba City is 23% higher than the national average
  • Yuba City housing is 51% 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

Most Affordable Places to Live in and Around Yuba City

See all the best places to live around Yuba City

Compare Yuba City, 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$84,770$7,064$1,978$2,543
      Renters$45,013$3,751$1,050$1,351
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Yuba City, CA, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Yuba City, homeowners have a median income of $84,770. Using that number, a maximum of $1,978 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $45,013, which means there is a maximum of $1,050 to be spent on the costs of renting a home or apartment.

      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 Yuba City National avg. Difference
      Haircut $40.00$24.2664.9%
      Beauty Salon $60.53$45.5632.8%
      Toothpaste $3.67$3.701.0%
      Shampoo $1.44$1.2812.5%
      Movie $13.76$12.1313.4%
      Bowling $22.22$18.0023.5%

      Groceries

      Item Yuba City National avg. Difference
      Ground Beef $5.56$5.844.7%
      Fried Chicken $2.06$1.5731.0%
      Milk $4.93$4.675.5%
      Potatoes $4.69$4.935.0%
      Pizza $13.98$12.0915.7%
      Beer $10.49$10.410.8%

      Health Care

      Item Yuba City National avg. Difference
      Optometrist $153.50$125.6822.1%
      Doctor $201.43$135.7848.3%
      Dentist $115.72$113.292.1%
      Ibuprofen $11.03$10.653.5%
      Lipitor $380.45$468.6018.8%

      Housing

      Item Yuba City National avg. Difference
      Home Price $304,600.00$184,700.0064.9%
      Avg. Mortgage Payment $3,182.68$2,346.6935.6%
      Apartment Rent $1,111.00$949.0017.1%

      Transportation

      Item Yuba City National avg. Difference
      Gasoline $4.51$3.4630.2%
      Tire Balancing $58.67$59.922.1%

      Utilities

      Item Yuba City National avg. Difference
      All Electricity $238.53$193.9923.0%
      Phone $190.81$192.250.7%
      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.
      Honcut, CA17211211.6%
      Grimes, CA4621065.6%
      Meridian, CA2781098.9%
      Marysville, CA12,46711312.9%
      Linda, CA21,84211514.6%
      Yuba City, CA66,66012323.3%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Redondo Beach, CA66,663212112.2%
      Portland, ME66,70612120.8%
      West Des Moines, IA66,7241021.7%
      Oshkosh, WI66,753927.6%
      Alpharetta, GA66,56613333.2%
      Yuba City, CA66,66012323.3%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.