F
135%
Overall NAT. AVG.
8%
Goods & Services NAT. AVG.
412%
Housing NAT. AVG.
Search Homes for Sale
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 Campbell California National
Cost of living235140100
Goods & Services108111100
Groceries115112100
Health care123109100
Housing512196100
Transportation130126100
Utilities132127100

An Overview of Cost of Living in Campbell, CA

Understanding the cost of living in Campbell can help future residents assess whether their current financial situation aligns with the expenses they will encounter. It enables them to plan for potential changes in their budget and lifestyle. The Campbell cost of living index is 235, which is 135% higher than the national average. The cost of living index is calculated by taking into account multiple categories, which encompass both the cost of everyday expenditures and larger expenses as well.

If affordability is among your top priorities when searching for a new place to live, this area may not be the ideal fit, as the cost of living in Campbell is among the most expensive in the United States. Just a minority of areas exhibit a cost of living at least 20% higher than the national average, and unfortunately, Campbell falls into this category, which may not align with your goal of finding a budget-friendly living environment.

Housing costs are a very significant part of the Campbell cost of living index and generally encompass a large percentage of take-home income. Unfortunately, in this area, the housing costs for both homes and rentals were 411.6% more than the average city. This includes things like home and rent prices, 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, Campbell is no exception, where grocery prices are 14.5% above the national average.

Is Campbell Affordable?

Is Campbell affordable? This is a pivotal question, especially when mulling over a move, as affordability carries substantial weight in your decision-making process. Factors such as the cost of living index (discussed earlier), housing expenses and income levels all contribute to a location's affordability. For instance, in Campbell, the median home price is 525.9% higher than the national average and monthly rent prices are 144.8% higher than the typical rates. Additionally, the median income levels play a role in affordability, with Campbell boasting a median household income of $122,644, 121.7% higher than the national average.

What Factors can Influence the Cost of Living in Campbell?

Transportation: In cities with limited or no public transportation, residents may find it necessary to own and maintain vehicles, thereby elevating the cost of living. Monthly expenditures include fuel, insurance, routine maintenance and potential lease or financing commitments. In Campbell, the transportation index stands at 30.4% higher than the national average.

Urbanization: Larger, urban centers, known for their wealth of amenities and strong employment prospects, often exhibit an elevated cost of living, primarily attributable to the heightened demand for services and residential relocation. Consequently, this scenario leads to elevated home prices and higher rental rates. In contrast, sparsely populated rural areas or regions characterized by diminished demand typically provide a more limited array of amenities and experience slower job market growth, resulting in a more affordable cost of living.

Utilities: Like everything else, utilities costs can range significantly depending on factors like climate, energy sources available, location and even state regulations. Things like electricity, water, heating and waste disposal costs can be higher or lower, depending on the city or state. The utilities index in Campbell comes in at 31.8% higher than the national average.

Where is the Data From?

The Campbell cost of living data displayed above is derived from the C2ER cost of living index to provide a useful and reasonably accurate measure of living cost differences in urban areas. Published on a quarterly basis, it compiles data from more than 300 independent researchers, encompassing over 60 goods and services. These items have been meticulously selected to represent various consumer expenditure categories, in 6 categories. Weightings assigned to cost differentials draw from government survey data tracking spending patterns among professional and executive households. While the C2ER index excludes data on sales or income tax rates, AreaVibes incorporates tax rates into the overall cost of living score for each region.

New Real Estate Listings in Campbell Area
Search Homes for Sale in Campbell, CA

Cost Of Living Quick Facts

  • The cost of living in Campbell is 69% higher than the California average
  • The cost of living in Campbell is 135% higher than the national average
  • Campbell housing is 412% 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 Campbell

See all the best places to live around Campbell

Compare Campbell, CA Cost of Living

      vs
      How would you rate the cost of living in Campbell?
      Write a review to give others more information about this area.
      Is the cost of living increasing or decreasing in Campbell?
      Write a review to give others more information about this area.
      See all Campbell poll results

      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$163,666$13,639$3,819$4,910
      Renters$90,181$7,515$2,104$2,706
      The affordability of the housing market in Campbell, CA as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Campbell homeowners, the median income is $163,666. This indicates that a monthly maximum of $3,819 should be spent by homeowners on all housing related costs. Renters have a median income of $90,181. This indicates that renters would have a maximum of $2,104 for their rent related monthly 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% 13.3%

      Goods & Services

      Item Campbell 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 Campbell 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 Campbell 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 Campbell National avg. Difference
      Home Price $1,156,000.00$184,700.00525.9%
      Avg. Mortgage Payment $8,581.10$2,346.69265.7%
      Apartment Rent $2,323.00$949.00144.8%

      Transportation

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

      Utilities

      Item Campbell 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%
      Brookdale, CA1,29316261.9%
      Boulder Creek, CA5,30516565.0%
      Lompico, CA88117574.8%
      Alum Rock, CA11,79817877.8%
      Campbell, CA42,891235135.2%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Boucherville, QC42,869n/a 
      St. Thomas, ON42,918n/a 
      Vaudreuil-Dorion, QC42,920n/a 
      Winter Haven, FL42,933964.4%
      Bradford West Gwillimbury, ON42,843n/a 
      Campbell, CA42,891235135.2%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.