F
78%
Overall NAT. AVG.
8%
Goods & Services NAT. AVG.
220%
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 Alum Rock California National
Cost of living178140100
Goods & Services108111100
Groceries115112100
Health care123109100
Housing320196100
Transportation130126100
Utilities132127100

An Overview of Cost of Living in Alum Rock, CA

Getting a feel for the cost of living in Alum Rock is essential for anyone planning to relocate, as it empowers them to make informed financial decisions, secure a comfortable lifestyle and maintain financial stability in their new environment. The cost of living in Alum Rock is 178, which is 78% higher than the national average. Relocating individuals may need to adjust their savings and investment strategies based on the cost of living in the new location. It influences decisions about retirement planning, investments and financial goals.

If you prioritize affordability when seeking a new place to live, Alum Rock 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, Alum Rock 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 Alum Rock 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 220.2% higher than what's typical in an average city. That includes the prices of homes and rents, as well as mortgage rates and insurance.

The relentless increase in grocery prices is a noteworthy trend. In the last two years, grocery costs have experienced an upward trajectory of over 10%. Unfortunately, Alum Rock is no exception, where grocery prices are 14.5% above the national average.

Is Alum Rock Affordable?

Wondering if Alum Rock is affordable? It's a question that often comes up when you're thinking about a new city since affordability can really shape your decisions. The cost of living index (covered earlier), housing expenses and income levels all play a part in the affordability equation. In Alum Rock, for example, the median home price is 268.8% higher than what folks pay nationally, and monthly rent is 106.8% higher than the usual rates. Plus, income levels matter too, with Alum Rock boasting a median household income of $95,479, which is 72.6% higher than the national average.

What Factors can Influence the Cost of Living in Alum Rock?

Taxes: Locations with elevated tax rates, encompassing both sales and income taxes, can be a factor in driving up the cost of living. When you're paying more in taxes for everyday goods and services, it naturally translates into higher expenses. Similarly, a higher income tax rate can also contribute to an overall higher cost of living. In Alum Rock, the standard sales tax rate starts at 7.25%, and the income tax rates commence at 1%.

Urbanization: Urban areas with extensive amenities and job opportunities tend to have a higher cost of living due to increased demand for services and relocation, resulting in higher home prices and higher rents. Less densely populated rural areas, or areas with less demand tend to have fewer amenities and slower job growth, which results in a lower cost of living.

Utilities: Similar to the prices of any other goods or services, utility expenditures can exhibit substantial variability, influenced by factors such as climate, energy sources accessibility, geographical location and state regulations. Costs related to electricity, water, heating, and waste disposal can fluctuate, whether higher or lower, contingent on the city or state. In Alum Rock, the utilities index is 31.8% higher than the national average.

Where is the Data From?

The cost of living data in Alum Rock displayed above is sourced from the C2ER cost of living index, which serves as a practical tool for comparing living expenses across urban areas. Published on a quarterly basis, this index aggregates data from over 300 independent researchers, encompassing more than 60 goods and services, in 6 different categories. The weightings assigned to cost differences rely on government survey data that tracks the spending habits of professional and executive households. It's worth noting that the C2ER index excludes data on sales or income tax rates, while AreaVibes integrates tax rates into the overall cost of living evaluation for each region.

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Cost Of Living Quick Facts

  • The cost of living in Alum Rock is 27% higher than the California average
  • The cost of living in Alum Rock is 78% higher than the national average
  • Alum Rock housing is 220% higher than the national average
  • California general sales tax is 42% higher than the national average
  • California state income tax is 61% lower than the national average

Most Affordable Places to Live in and Around Alum Rock

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Compare Alum Rock, 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$107,080$8,923$2,498$3,213
      Renters$59,375$4,948$1,385$1,781
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Alum Rock, 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 Alum Rock, homeowners have a median income of $107,080. Using that number, a maximum of $2,498 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $59,375, which means there is a maximum of $1,385 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% 13.3%

      Goods & Services

      Item Alum Rock National avg. Difference
      Haircut $33.94$24.2639.9%
      Beauty Salon $48.51$45.566.5%
      Toothpaste $3.72$3.700.4%
      Shampoo $1.66$1.2829.9%
      Movie $13.31$12.139.7%
      Bowling $33.30$18.0085.0%

      Groceries

      Item Alum Rock National avg. Difference
      Ground Beef $5.79$5.840.8%
      Fried Chicken $2.13$1.5735.7%
      Milk $5.05$4.678.2%
      Potatoes $4.77$4.933.4%
      Pizza $14.92$12.0923.5%
      Beer $10.99$10.415.6%

      Health Care

      Item Alum Rock National avg. Difference
      Optometrist $158.95$125.6826.5%
      Doctor $194.05$135.7842.9%
      Dentist $147.78$113.2930.4%
      Ibuprofen $11.51$10.658.1%
      Lipitor $390.15$468.6016.7%

      Housing

      Item Alum Rock National avg. Difference
      Home Price $681,100.00$184,700.00268.8%
      Avg. Mortgage Payment $8,581.10$2,346.69265.7%
      Apartment Rent $1,963.00$949.00106.8%

      Transportation

      Item Alum Rock National avg. Difference
      Gasoline $4.81$3.4638.9%
      Tire Balancing $65.62$59.929.5%

      Utilities

      Item Alum Rock National avg. Difference
      All Electricity $294.74$193.9951.9%
      Phone $190.07$192.251.1%
      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, CA2,58513030.1%
      Newark, CA48,14819797.0%
      San Jose, CA1,029,409208108.2%
      Milpitas, CA75,182212112.1%
      Lexington Hills, CA2,656218118.0%
      Alum Rock, CA11,79817877.8%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      North Dundas, ON11,794n/a 
      North Wantagh, NY11,79214646.0%
      Robinson, TX11,806990.7%
      Martinsville, IN11,8078911.1%
      Bucyrus, OH11,8088613.6%
      Alum Rock, CA11,79817877.8%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.