| Index | Rail Road Flat | California | National |
| Cost of living | 133 | 140 | 100 |
| Goods & Services | 108 | 111 | 100 |
| Groceries | 107 | 112 | 100 |
| Health care | 102 | 109 | 100 |
| Housing | 176 | 196 | 100 |
| Transportation | 122 | 126 | 100 |
| Utilities | 142 | 127 | 100 |
| Cost of living index | |
| Goods & Services index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $50,263 | $4,189 | $1,173 | $1,508 |
| Renters | $0 | $0 | $0 | $0 |
| State | General Sales Tax | With Max Surtax |
| California | 7.25% | 10.5% |
| State | Income Tax (Low) | Income Tax (High) |
| California | 1% | 13.3% |
| Item | Rail Road Flat | National avg. | Difference |
| Haircut | $23.42 | $24.26 | 3.5% |
| Beauty Salon | $49.62 | $45.56 | 8.9% |
| Toothpaste | $3.64 | $3.70 | 1.6% |
| Shampoo | $1.50 | $1.28 | 17.0% |
| Movie | $13.61 | $12.13 | 12.2% |
| Bowling | $22.34 | $18.00 | 24.1% |
| Item | Rail Road Flat | National avg. | Difference |
| Ground Beef | $6.24 | $5.84 | 6.9% |
| Fried Chicken | $2.10 | $1.57 | 33.8% |
| Milk | $4.83 | $4.67 | 3.5% |
| Potatoes | $4.43 | $4.93 | 10.3% |
| Pizza | $16.78 | $12.09 | 38.8% |
| Beer | $10.08 | $10.41 | 3.2% |
| Item | Rail Road Flat | National avg. | Difference |
| Optometrist | $138.22 | $125.68 | 10.0% |
| Doctor | $134.39 | $135.78 | 1.0% |
| Dentist | $117.52 | $113.29 | 3.7% |
| Ibuprofen | $10.68 | $10.65 | 0.3% |
| Lipitor | $494.99 | $468.60 | 5.6% |
| Item | Rail Road Flat | National avg. | Difference |
| Home Price | $325,000.00 | $184,700.00 | 76.0% |
| Avg. Mortgage Payment | $3,173.44 | $2,346.69 | 35.2% |
| Apartment Rent | $0.00 | $949.00 | 100.0% |
| Item | Rail Road Flat | National avg. | Difference |
| Gasoline | $4.21 | $3.46 | 21.5% |
| Tire Balancing | $73.10 | $59.92 | 22.0% |
| Item | Rail Road Flat | National avg. | Difference |
| All Electricity | $327.22 | $193.99 | 68.7% |
| Phone | $189.16 | $192.25 | 1.6% |
| City | Population | Cost of Living Index | National Avg. |
| Volcano, CA | 45 | 112 | 11.6% |
| West Point, CA | 640 | 100 | 0.4% |
| River Pines, CA | 420 | 104 | 3.9% |
| Murphys, CA | 1,944 | 118 | 18.2% |
| Pioneer, CA | 1,224 | 120 | 20.0% |
| Rail Road Flat, CA | 97 | 133 | 32.7% |
| City | Population | Cost of Living Index | National Avg. |
| Ben Lomond, AR | 97 | 78 | 22.1% |
| Anegam, AZ | 97 | 99 | 1.0% |
| Three Rocks, CA | 97 | 111 | 10.7% |
| Tuttle, CA | 97 | 111 | 10.7% |
| Pritchett, CO | 97 | 75 | 25.4% |
| Rail Road Flat, CA | 97 | 133 | 32.7% |
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