Cost Of Living in McSwain, CA

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	McSwain	California	National
Cost of living	144	140	100
Goods & Services	104	111	100
Groceries	104	112	100
Health care	96	109	100
Housing	222	196	100
Transportation	120	126	100
Utilities	140	127	100

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Cost Of Living Quick Facts

The cost of living in McSwain is 3% higher than the California average
The cost of living in McSwain is 44% higher than the national average
McSwain housing is 122% 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

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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	$112,371	$9,364	$2,622	$3,371
Renters	$0	$0	$0	$0

The percent of monthly income spent on housing can be a good indicator of the affordability of housing in McSwain, 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 McSwain homeowners, is $112,371. This would allow for a maximum of $2,622 per month to be spent on housing costs. For renters, the median monthly income is $0 which would result in a maximum of $0 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	McSwain	National avg.	Difference
Haircut	$26.83	$24.26	10.6%
Beauty Salon	$76.57	$45.56	68.0%
Toothpaste	$3.86	$3.70	4.3%
Shampoo	$1.56	$1.28	21.9%
Movie	$14.64	$12.13	20.6%
Bowling	$23.78	$18.00	32.1%

Groceries

Item	McSwain	National avg.	Difference
Ground Beef	$6.21	$5.84	6.3%
Fried Chicken	$2.10	$1.57	33.7%
Milk	$4.99	$4.67	6.9%
Potatoes	$4.98	$4.93	0.9%
Pizza	$15.69	$12.09	29.8%
Beer	$10.96	$10.41	5.3%

Health Care

Item	McSwain	National avg.	Difference
Optometrist	$157.88	$125.68	25.6%
Doctor	$166.71	$135.78	22.8%
Dentist	$148.27	$113.29	30.9%
Ibuprofen	$11.69	$10.65	9.8%
Lipitor	$498.45	$468.60	6.4%

Housing

Item	McSwain	National avg.	Difference
Home Price	$510,900.00	$184,700.00	176.6%
Avg. Mortgage Payment	$4,545.90	$2,346.69	93.7%
Apartment Rent	$913.00	$949.00	3.8%

Transportation

Item	McSwain	National avg.	Difference
Gasoline	$4.63	$3.46	33.9%
Tire Balancing	$70.51	$59.92	17.7%

Utilities

Item	McSwain	National avg.	Difference
All Electricity	$299.78	$193.99	54.5%
Phone	$191.56	$192.25	0.4%

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.
University of California-Merced, CA	0	111	10.7%
Stevinson, CA	196	111	10.7%
Bear Creek, CA	95	111	10.7%
Tuttle, CA	97	111	10.7%
El Nido, CA	283	96	3.8%
McSwain, CA	4,429	144	44.2%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Pendleton, IN	4,429	95	4.7%
Church Point, LA	4,429	83	17.3%
North Okanagan C, BC	4,428	n/a
Springville, AL	4,430	106	5.5%
Dilworth, MN	4,430	100	0.4%
McSwain, CA	4,429	144	44.2%

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.

Cost of Living in McSwain, CA