F
46%
Overall NAT. AVG.
16%
Goods & Services NAT. AVG.
118%
Housing NAT. AVG.
Search Homes for Sale
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 Port Hueneme California National
Cost of living146140100
Goods & Services116111100
Groceries112112100
Health care108109100
Housing218196100
Transportation124126100
Utilities112127100

An Overview of Cost of Living in Port Hueneme, CA

Getting a feel for the cost of living in Port Hueneme is essential for anyone planning to relocate, as it empowers them to make informed financial decisions, secure a comfortable lifestyle and maintain financial stability in their new environment. The cost of living in Port Hueneme is 146, which is 46% higher than the national average. Relocating individuals may need to adjust their savings and investment strategies based on the cost of living in the new location. It influences decisions about retirement planning, investments and financial goals.

The cost of living in Port Hueneme is among the highest in the country, making it a very expensive place to live. Only a small fraction of regions boast a cost of living that is at least 20% higher than the national average, and regrettably, Port Hueneme falls into this category, which may not be suitable for those seeking an economically favorable living environment.

Housing costs make up a big chunk of the cost of living in Port Hueneme, 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 118.1% more than the average city. This includes stuff like home prices, rent, mortgage rates, and insurance.

The things you purchase regularly, like clothes, haircuts, movie tickets and gym memberships, can make a big dent in your budget and make up 33% of the cost of living index. Unfortunately in Port Hueneme, these items will cost you 16.2% more than what's considered the norm, making it a more expensive place to call home.

The cost of groceries continues to rise at an alarming rate. Over the last two years, grocery prices have increased by more than 10%! Unfortunately, in Port Hueneme, the news isn't any better as grocery prices are 12.2% higher than the national average.

Is Port Hueneme Affordable?

Is Port Hueneme an affordable place to live? It's a good question and one that you might want to ask when considering any new city, as affordability can play a huge role in the decision making process. The cost of living index (which we covered above), as well as housing costs and income levels play a vital role in determining the affordability of an area. The median home price in Port Hueneme is 135.2% higher than the national average, while the average monthly rent prices are 78% higher than average. The affordability of any location can also be influenced by median income levels. Port Hueneme has a median household income of $64,604, which is 16.8% higher than the national average.

What Factors can Influence the Cost of Living in Port Hueneme?

Subsidies: Certain regions may provide government subsidies or assistance initiatives designed to alleviate the cost of living burden on their residents. These programs encompass a wide range of support mechanisms, such as 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 with fewer subsidy offerings might experience an elevation in their cost of living.

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 Port Hueneme, healthcare costs are 7.9% higher than the national average.

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 Port Hueneme, the housing index stands at 118.1% higher than the national average.

Where is the Data From?

The Port Hueneme 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 Port Hueneme is 5% higher than the California average
  • The cost of living in Port Hueneme is 46% higher than the national average
  • Port Hueneme housing is 118% 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 Port Hueneme

See all the best places to live around Port Hueneme

Compare Port Hueneme, 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$81,905$6,825$1,911$2,457
      Renters$49,920$4,160$1,165$1,498
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Port Hueneme, 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 Port Hueneme homeowners, is $81,905. This would allow for a maximum of $1,911 per month to be spent on housing costs. For renters, the median monthly income is $49,920 which would result in a maximum of $1,165 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 Port Hueneme National avg. Difference
      Haircut $24.67$24.261.7%
      Beauty Salon $49.33$45.568.3%
      Toothpaste $3.76$3.701.5%
      Shampoo $1.41$1.289.8%
      Movie $13.46$12.1311.0%
      Bowling $19.07$18.006.0%

      Groceries

      Item Port Hueneme National avg. Difference
      Ground Beef $6.26$5.847.2%
      Fried Chicken $2.08$1.5732.2%
      Milk $4.76$4.671.9%
      Potatoes $4.94$4.930.2%
      Pizza $16.13$12.0933.5%
      Beer $9.60$10.417.8%

      Health Care

      Item Port Hueneme National avg. Difference
      Optometrist $129.09$125.682.7%
      Doctor $119.86$135.7811.7%
      Dentist $108.07$113.294.6%
      Ibuprofen $10.36$10.652.7%
      Lipitor $505.41$468.607.9%

      Housing

      Item Port Hueneme National avg. Difference
      Home Price $434,500.00$184,700.00135.2%
      Avg. Mortgage Payment $2,799.02$2,346.6919.3%
      Apartment Rent $1,689.00$949.0078.0%

      Transportation

      Item Port Hueneme National avg. Difference
      Gasoline $4.47$3.4629.3%
      Tire Balancing $58.33$59.922.6%

      Utilities

      Item Port Hueneme National avg. Difference
      All Electricity $326.49$193.9968.3%
      Phone $182.78$192.254.9%
      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.
      Saticoy, CA1,73914040.4%
      Santa Paula, CA30,29714242.0%
      Oxnard, CA207,72215050.2%
      El Rio, CA6,50615453.5%
      San Buenaventura (Ventura), CA108,46716464.3%
      Port Hueneme, CA21,97914646.3%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      West Rancho Dominguez, CA21,97714040.0%
      Union City, GA21,976955.0%
      Ruston, LA21,9878811.6%
      Martha Lake, WA21,98715251.9%
      Marina, CA21,96616161.1%
      Port Hueneme, CA21,97914646.3%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.