F
225%
Overall NAT. AVG.
8%
Goods & Services NAT. AVG.
712%
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 Cupertino California National
Cost of living325140100
Goods & Services108111100
Groceries115112100
Health care123109100
Housing812196100
Transportation130126100
Utilities132127100

An Overview of Cost of Living in Cupertino, CA

Knowing the cost of living in Cupertino 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 Cupertino stands at 325, marking it 225% higher than the national average.

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

Housing costs make up a big chunk of the cost of living in Cupertino, and they usually eat into a large part of your take-home pay. Unfortunately, in this area, both buying a home and renting one costs 711.6% more than the average city. This includes stuff like home prices, rent, 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, Cupertino is no exception, where grocery prices are 14.5% above the national average.

What Do Locals Say About the Cost of Living in Cupertino?

The real experts on a city are its residents. That's why we reached out to 13 locals to get their views on the cost of living in Cupertino. We surveyed the residents and asked them if they felt like prices were affordable or out of reach. The results were as follows. 15% found it budget-friendly with decreasing prices, while 85% said it's simply not affordable as prices have continued to rise.

Is Cupertino Affordable?

Wondering if Cupertino 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 Cupertino, for example, the median home price is 910.4% higher than what folks pay nationally, and monthly rent is 247.6% higher than the usual rates. Plus, income levels matter too, with Cupertino boasting a median household income of $182,857, which is 230.5% higher than the national average.

What Factors can Influence the Cost of Living in Cupertino?

Utilities: Much like any other costs, utility expenses can exhibit considerable variations, influenced by factors such as climate, available energy sources, geographic location and state regulations. The costs associated with electricity, water, heating, and waste disposal can vary significantly depending on the city or state in question. In Cupertino, the utilities index stands at 31.8% higher than the national average.

Groceries: Over the past 2-3 years, grocery expenses have experienced substantial upward trends. In certain markets, food prices have surged by over 20% during this period, while others have witnessed more modest increases. These fluctuations in food costs can wield significant influence over the overall cost of living in a given region. In Cupertino, the groceries index is 14.5% higher than the national average.

Healthcare: Healthcare expenses and insurance premiums can vary significantly depending on the specific city or state. Factors such as accessibility to healthcare facilities, out-of-pocket expenses for doctor's visits, dental care expenses, prescription costs and specialized medical care fees can all influence the overall cost of living. In Cupertino, healthcare costs are 22.6% higher than the national average.

Where is the Data From?

The cost of living data in Cupertino 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 Cupertino is 133% higher than the California average
  • The cost of living in Cupertino is 225% higher than the national average
  • Cupertino housing is 712% 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 Cupertino

See all the best places to live around Cupertino

Compare Cupertino, 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$205,545$17,129$4,796$6,167
      Renters$159,659$13,305$3,725$4,790
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Cupertino, CA, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Cupertino homeowners, is $205,545. This would allow for a maximum of $4,796 per month to be spent on housing costs. For renters, the median monthly income is $159,659 which would result in a maximum of $3,725 to be spent on rental 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 Cupertino 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 Cupertino 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 Cupertino 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 Cupertino National avg. Difference
      Home Price $1,866,200.00$184,700.00910.4%
      Avg. Mortgage Payment $8,581.10$2,346.69265.7%
      Apartment Rent $3,299.00$949.00247.6%

      Transportation

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

      Utilities

      Item Cupertino 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.
      Loma Mar, CA28211716.8%
      Mountain View CDP, CA2,58513030.1%
      Brookdale, CA1,29316261.9%
      Boulder Creek, CA5,30516565.0%
      Lompico, CA88117574.8%
      Cupertino, CA59,799325225.2%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Owensboro, KY59,796927.9%
      Woodland, CA59,75913332.9%
      West Allis, WI59,861964.4%
      Pontiac, MI59,7148613.5%
      Taylorsville, UT59,92611312.8%
      Cupertino, CA59,799325225.2%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.