D+
17%
Overall NAT. AVG.
9%
Goods & Services NAT. AVG.
30%
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 North Highlands California National
Cost of living117140100
Goods & Services109111100
Groceries108112100
Health care113109100
Housing130196100
Transportation121126100
Utilities114127100

An Overview of Cost of Living in North Highlands, CA

Understanding the cost of living in North Highlands 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 North Highlands cost of living index is 117, which is 17% 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.

Housing costs are a very significant part of the North Highlands 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 29.6% more than the average city. This includes things like home and rent prices, mortgage rates and insurance.

Is North Highlands Affordable?

Is North Highlands 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 North Highlands, the median home price is 30.9% higher than the national average and monthly rent prices are 26.6% higher than the typical rates. Additionally, the median income levels play a role in affordability, with North Highlands boasting a median household income of $50,816, 8.1% lower than the national average.

What Factors can Influence the Cost of Living in North Highlands?

Housing: When there's a high demand for housing in trendy places, it can cause property prices and rental rates to soar, leading to a significantly higher cost of living. Conversely, in less desirable locations, where demand is low, prices tend to decrease, resulting in a more budget-friendly cost of living. In North Highlands, the housing index is 29.6% 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 North Highlands, the transportation index stands at 20.8% higher than the national average.

Taxes: Cities that impose higher taxes, including sales and income taxes, can contribute to an escalated cost of living. The added expense of taxes on everyday goods like clothing and food naturally results in higher overall costs. Similarly, a higher income tax rate can further elevate the cost of living. In North Highlands, the general sales tax rate starts at 7.25%, and income tax rates begin at 1%.

Where is the Data From?

The North Highlands 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. The index takes into account data from 300 independent researches, covering more than 60 goods and services across 6 different categories, to create an overall index for each area, with 100 being the average. The C2ER index does not include sales or income tax rates in their data, however AreaVibes does include both income and sales tax rates in the overall cost of living score for each area.

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Cost Of Living Quick Facts

  • The cost of living in North Highlands is 16% lower than the California average
  • The cost of living in North Highlands is 17% higher than the national average
  • North Highlands housing is 30% 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 North Highlands

See all the best places to live around North Highlands

Compare North Highlands, 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$63,492$5,291$1,481$1,905
      Renters$39,825$3,319$929$1,195
      A good way to judge both the affordability of the housing and the cost of living in North Highlands is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. North Highlands has a median income of about $63,492 for people who own homes. Based on that number, a maximum of $1,481 should be spent on expenses related to housing. Renters have a slightly different median income, which is $39,825. Based on this average, renters should spend no more than $929 on all rental costs if they want to maintain a non-impoverished standard of living.

      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 North Highlands 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 North Highlands 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 North Highlands 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 North Highlands National avg. Difference
      Home Price $241,800.00$184,700.0030.9%
      Avg. Mortgage Payment $3,182.68$2,346.6935.6%
      Apartment Rent $1,201.00$949.0026.6%

      Transportation

      Item North Highlands National avg. Difference
      Gasoline $4.51$3.4630.2%
      Tire Balancing $58.67$59.922.1%

      Utilities

      Item North Highlands 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.
      Freeport, CA7011211.6%
      Fruitridge Pocket, CA5,77111010.0%
      McClellan Park, CA84311514.7%
      Parkway, CA16,28211716.8%
      Florin, CA48,83912019.9%
      North Highlands, CA48,66011717.0%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Draper, UT48,59414544.6%
      McLean, VA48,566225125.2%
      Middletown, OH48,7659010.2%
      San Jacinto, CA48,78612019.6%
      Tuckahoe, VA48,51712020.4%
      North Highlands, CA48,66011717.0%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.