F
28%
Overall NAT. AVG.
9%
Goods & Services NAT. AVG.
67%
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 Citrus Heights California National
Cost of living128140100
Goods & Services109111100
Groceries108112100
Health care113109100
Housing167196100
Transportation121126100
Utilities114127100

An Overview of Cost of Living in Citrus Heights, CA

The cost of living in Citrus Heights affects the quality of life one can afford in this new location. It allows people to assess whether they can maintain their preferred lifestyle, including housing, leisure activities and dining options. Your total monthly expenditures can varry depending on the area, as well as many other factors. The cost of living in Citrus Heights is 128, which is 28% higher than the national average. Knowledge of the cost of living can help individuals make informed decisions about retirement savings, investments, and financial goals.

If you're in pursuit of an economical living environment, Citrus Heights may not fit the bill, as it ranks among the most expensive places to reside in the United States. Just a minority of regions exhibit a cost of living that is more than 20% higher than the national average, and, unfortunately, Citrus Heights falls within this bracket.

Housing costs significantly influence the Citrus Heights 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 66.9%. This entails elements such as housing and rental prices, mortgage interest rates and insurance costs.

What Do Locals Say About the Cost of Living in Citrus Heights?

Locals have the inside scoop on their city. So, we polled 9 residents in Citrus Heights to learn how they view the cost of living. We asked how they felt about the cost of living in their area, and if they thought that prices were increasing, decreasing or staying the same. The verdict? 56% find it reasonable with decreasing prices, but 44% think it's quite pricey, with prices that continue to rise.

Is Citrus Heights Affordable?

Is Citrus Heights 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 Citrus Heights, for instance, where the median home price falls 76.9% higher than the national average, and monthly rent rates are 43.7% higher than usual. Additionally, median income levels contribute to the equation, with Citrus Heights flaunting a median household income of $65,867, 19.1% higher than the national norm.

What Factors can Influence the Cost of Living in Citrus Heights?

Healthcare: Healthcare costs and insurance premiums can fluctuate greatly based on the city or state. Access to healthcare facilities, out-of-pocket expenses for doctor\’s visits, dentist costs, medication costs and specialized care costs can all impact the cost of living. In Citrus Heights, the healthcare costs are 13.1% higher than the national average.

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 Citrus Heights, the transportation index stands at 20.8% higher than the national average.

Subsidies: Certain cities or states may institute government subsidies or assistance programs designed to alleviate the financial burdens associated with the cost of living for their residents. These programs encompass a variety of support mechanisms, including Medicare, Medicaid, housing subsidies, low-income home energy assistance programs, school lunch programs, supplemental nutrition assistance programs, student loans, electric vehicle tax credits, affordable care act subsidies and farm subsidies. Areas that provide fewer subsidies may see an uptick in their overall cost of living.

Where is the Data From?

The Citrus Heights 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.

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Cost Of Living Quick Facts

  • The cost of living in Citrus Heights is 8% lower than the California average
  • The cost of living in Citrus Heights is 28% higher than the national average
  • Citrus Heights housing is 67% 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 Citrus Heights

See all the best places to live around Citrus Heights

Compare Citrus Heights, 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$81,179$6,765$1,894$2,436
      Renters$53,836$4,486$1,256$1,615
      The affordability of the housing market in Citrus Heights, 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 Citrus Heights homeowners, the median income is $81,179. This indicates that a monthly maximum of $1,894 should be spent by homeowners on all housing related costs. Renters have a median income of $53,836. This indicates that renters would have a maximum of $1,256 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 Citrus Heights 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 Citrus Heights 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 Citrus Heights 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 Citrus Heights National avg. Difference
      Home Price $326,700.00$184,700.0076.9%
      Avg. Mortgage Payment $3,182.68$2,346.6935.6%
      Apartment Rent $1,364.00$949.0043.7%

      Transportation

      Item Citrus Heights National avg. Difference
      Gasoline $4.51$3.4630.2%
      Tire Balancing $58.67$59.922.1%

      Utilities

      Item Citrus Heights 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.
      Fruitridge Pocket, CA5,77111010.0%
      McClellan Park, CA84311514.7%
      Parkway, CA16,28211716.8%
      North Highlands, CA48,66011717.0%
      Florin, CA48,83912019.9%
      Citrus Heights, CA87,66512828.2%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Repentigny, QC87,645n/a 
      Fort Smith, AR87,788909.7%
      O'Fallon, MO88,1321043.5%
      St. George, UT87,17611616.1%
      Ogden, UT87,1751000.1%
      Citrus Heights, CA87,66512828.2%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.