Cost of Living in Half Moon Bay, CA
Overall index: 280 (100 = US national average). Data source: US Census ACS 2023 & BLS OEWS 2025, 2025.
Overall Cost of Living Index
Cost Breakdown by Category
| Category | Index | vs US avg | Sample cost |
|---|---|---|---|
| Housing | 421 | +321% | $1,609 |
| Transportation | 98 | -2% | $3.50 |
| Food | 205 | +105% | $841 |
| Utilities | 261 | +161% | $758 |
| Healthcare | 261 | +161% | $547 |
Index 100 = US national average. Higher = more expensive.
Cost breakdown (visual)
Salary Calculator: What do you need to earn in Half Moon Bay?
A single adult living comfortably in Half Moon Bay, CA needs approximately $98,000 / year after taxes.
Already earning a salary somewhere else? Compare it directly:
Frequently Asked Questions
What is the cost of living in Half Moon Bay, CA?
The overall cost of living in Half Moon Bay, CA is 180% higher than the US national average (index: 280 where 100 = national average).
How much is rent in Half Moon Bay, CA?
Average rent for a 1-bedroom apartment in Half Moon Bay, CA is about $1,609/month.
Is Half Moon Bay, CA expensive to live in?
Yes, Half Moon Bay, CA is considered expensive (index above national average).
What salary do I need to live in Half Moon Bay, CA?
A single adult needs roughly $98,000/year to cover basic living costs in Half Moon Bay, CA.