F
56%
Overall NAT. AVG.
5%
Goods & Services NAT. AVG.
152%
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 Grover Beach California National
Cost of living156140100
Goods & Services105111100
Groceries107112100
Health care93109100
Housing252196100
Transportation127126100
Utilities157127100

An Overview of Cost of Living in Grover Beach, CA

Knowing the cost of living in Grover Beach 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 Grover Beach stands at 156, marking it 56% higher than the national average.

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

Housing costs significantly influence the Grover Beach 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 152.1%. This entails elements such as housing and rental prices, mortgage interest rates and insurance costs.

Is Grover Beach Affordable?

Is Grover Beach 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 Grover Beach, the median home price is 190.4% higher than the national average and monthly rent prices are 62.8% higher than the typical rates. Additionally, the median income levels play a role in affordability, with Grover Beach boasting a median household income of $66,408, 20% higher than the national average.

What Factors can Influence the Cost of Living in Grover Beach?

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 Grover Beach, the healthcare costs are 6.6% lower than the national average.

Subsidies: Certain cities or states may implement government subsidies or assistance programs with the goal of alleviating the cost of living pressures on their residents. These programs encompass a broad spectrum 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 farming subsidies. Areas offering fewer subsidies may experience a rise in their cost of living.

Housing: A sought-after location with high housing demand often leads to increased property values and rental rates, which can significantly inflate the overall cost of living. Conversely, areas with low housing demand, particularly in less desirable locales, tend to experience the opposite effect, causing prices to drop and contributing to a more affordable cost of living. In Grover Beach, the housing index stands at 152.1% higher than the national average.

Where is the Data From?

The Grover Beach cost of living data you see above is sourced from the C2ER cost of living index, providing a practical and accurate means of comparing living expenses in urban areas. Updated quarterly, this index gathers data from over 300 independent researchers, covering more than 60 goods and services, in 6 different categories. These selections are made meticulously to represent a wide range of consumer expenditure categories. The weightings applied to cost differences are based on government survey data that tracks spending patterns among professional and executive households. It's important to note that while the C2ER index excludes data on sales or income tax rates, AreaVibes factors 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 Grover Beach is 12% higher than the California average
  • The cost of living in Grover Beach is 56% higher than the national average
  • Grover Beach housing is 152% 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 Grover Beach

See all the best places to live around Grover Beach

Compare Grover Beach, 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$88,114$7,343$2,056$2,644
      Renters$57,353$4,779$1,338$1,721
      To approximate the cost of living and the housing affordability in Grover Beach, CA, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Grover Beach have a median income of $88,114. Therefore, the amount that a consumer should spend on housing costs should be no more than $2,056 per month to avoid calamity and poverty. The renters in the city have an income of about $57,353, which would make their monthly maximum allowable rental costs $1,338.

      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 Grover Beach National avg. Difference
      Haircut $26.25$24.268.2%
      Beauty Salon $89.33$45.5696.1%
      Toothpaste $3.75$3.701.3%
      Shampoo $1.48$1.2815.6%
      Movie $18.12$12.1349.4%
      Bowling $22.67$18.0025.9%

      Groceries

      Item Grover Beach National avg. Difference
      Ground Beef $5.77$5.841.1%
      Fried Chicken $2.63$1.5767.0%
      Milk $4.91$4.675.0%
      Potatoes $4.90$4.930.6%
      Pizza $13.49$12.0911.6%
      Beer $11.13$10.416.9%

      Health Care

      Item Grover Beach National avg. Difference
      Optometrist $142.20$125.6813.1%
      Doctor $131.33$135.783.3%
      Dentist $131.50$113.2916.1%
      Ibuprofen $11.78$10.6510.6%
      Lipitor $508.17$468.608.4%

      Housing

      Item Grover Beach National avg. Difference
      Home Price $536,300.00$184,700.00190.4%
      Avg. Mortgage Payment $5,847.37$2,346.69149.2%
      Apartment Rent $1,545.00$949.0062.8%

      Transportation

      Item Grover Beach National avg. Difference
      Gasoline $4.62$3.4633.6%
      Tire Balancing $61.00$59.921.8%

      Utilities

      Item Grover Beach National avg. Difference
      All Electricity $231.40$193.9919.3%
      Phone $193.81$192.250.8%
      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.
      Guadalupe, CA7,65412726.6%
      Santa Maria, CA105,52813535.4%
      Oceano, CA7,60113737.3%
      Nipomo, CA18,18216261.9%
      Los Osos, CA16,17416362.9%
      Grover Beach, CA13,48115656.1%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Wetaskiwin, AB13,487n/a 
      Englewood, OH13,474937.5%
      Gladeview, FL13,490981.8%
      Mount Vernon, VA13,49016262.4%
      South Park Township, PA13,470964.1%
      Grover Beach, CA13,48115656.1%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.