F
64%
Overall NAT. AVG.
13%
Goods & Services NAT. AVG.
182%
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 Valley Center California National
Cost of living164140100
Goods & Services113111100
Groceries116112100
Health care105109100
Housing282196100
Transportation127126100
Utilities107127100

An Overview of Cost of Living in Valley Center, CA

The cost of living in Valley Center affects the quality of life one can afford in this new location. It allows people to assess whether they can maintain their preferred lifestyle, including housing, leisure activities and dining options. Your total monthly expenditures can varry depending on the area, as well as many other factors. The cost of living in Valley Center is 164, which is 64% higher than the national average. Knowledge of the cost of living can help individuals make informed decisions about retirement savings, investments, and financial goals.

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

Housing costs significantly influence the Valley Center 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 181.8%. This entails elements such as housing and rental prices, mortgage interest rates and insurance costs.

Recurring goods and services expenses like haircuts, toothpaste, gym memberships and movie nights are a big part of your spending and make up 33% of the cost of living index. In Valley Center, these items will cost you 12.6% more than what most folks pay, making it a bit more expensive to live here.

The substantial and relentless rise in grocery prices definitely warrants some attention. Over the past two years, grocery expenses have escalated by more than 10%. Having said that, the situation in Valley Center is even less favorable, with grocery prices here being 15.6% higher than the national average.

Is Valley Center Affordable?

Is Valley Center an affordable place to live? That's a valid question to ask when you're thinking about moving to a new city. After all, how much it costs to live somewhere can be a huge factor in your decision. Affordability can be broken down into 3 common categories. The cost of living index (we talked about it earlier), housing expenses and income levels all play a big role in figuring out if a place is affordable. For instance, in Valley Center, the median home price is 243.2% higher than what most folks pay across the country, and monthly rent prices are 38.4% higher than the usual rates. Income levels in Valley Center come in at $99,223, which is 79.4% higher than the national average.

What Factors can Influence the Cost of Living in Valley Center?

Urbanization: Urban areas with extensive amenities and job opportunities tend to have a higher cost of living due to increased demand for services and relocation, resulting in higher home prices and higher rents. Less densely populated rural areas, or areas with less demand tend to have fewer amenities and slower job growth, which results in a lower cost of living.

Housing: When everyone's vying for homes in popular areas, it drives up property prices and rents, making the overall cost of living surge. On the flip side, in less sought-after locales, where housing demand is low, prices tend to dip, resulting in a more economical cost of living. In Valley Center, the housing index comes in at 181.8% higher than the national average.

Groceries: Over the past 2-3 years, grocery expenses have experienced substantial upward trends. In certain markets, food prices have surged by over 20% during this period, while others have witnessed more modest increases. These fluctuations in food costs can wield significant influence over the overall cost of living in a given region. In Valley Center, the groceries index is 15.6% higher than the national average.

Where is the Data From?

The Valley Center 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 Valley Center is 18% higher than the California average
  • The cost of living in Valley Center is 64% higher than the national average
  • Valley Center housing is 182% 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 Valley Center

See all the best places to live around Valley Center

Compare Valley Center, 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$114,495$9,541$2,671$3,435
      Renters$44,432$3,703$1,037$1,333
      A good way to judge both the affordability of the housing and the cost of living in Valley Center 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. Valley Center has a median income of about $114,495 for people who own homes. Based on that number, a maximum of $2,671 should be spent on expenses related to housing. Renters have a slightly different median income, which is $44,432. Based on this average, renters should spend no more than $1,037 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 Valley Center National avg. Difference
      Haircut $26.92$24.2610.9%
      Beauty Salon $65.77$45.5644.3%
      Toothpaste $3.73$3.700.7%
      Shampoo $1.50$1.2817.1%
      Movie $16.89$12.1339.2%
      Bowling $24.67$18.0037.1%

      Groceries

      Item Valley Center National avg. Difference
      Ground Beef $5.47$5.846.3%
      Fried Chicken $3.05$1.5793.7%
      Milk $4.98$4.676.5%
      Potatoes $4.94$4.930.0%
      Pizza $14.69$12.0921.5%
      Beer $11.25$10.418.1%

      Health Care

      Item Valley Center National avg. Difference
      Optometrist $138.66$125.6810.3%
      Doctor $132.50$135.782.4%
      Dentist $121.37$113.297.1%
      Ibuprofen $12.01$10.6512.7%
      Lipitor $508.17$468.608.4%

      Housing

      Item Valley Center National avg. Difference
      Home Price $633,900.00$184,700.00243.2%
      Avg. Mortgage Payment $5,168.91$2,346.69120.3%
      Apartment Rent $1,313.00$949.0038.4%

      Transportation

      Item Valley Center National avg. Difference
      Gasoline $4.68$3.4635.1%
      Tire Balancing $64.40$59.927.5%

      Utilities

      Item Valley Center National avg. Difference
      All Electricity $223.42$193.9915.2%
      Phone $180.31$192.256.2%
      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.
      Pala, CA1,09411211.7%
      Escondido, CA150,39614848.4%
      Rainbow, CA2,21115151.4%
      Vista, CA100,65915353.5%
      Ramona, CA21,49315554.9%
      Valley Center, CA11,32016464.3%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Sandy, OR11,31912424.3%
      Lowes Island, VA11,31916868.3%
      Clearwater County, AB11,321n/a 
      Fort Morgan, CO11,311990.9%
      Diamond Springs, CA11,33212929.5%
      Valley Center, CA11,32016464.3%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.