Cost of Living in Morro Bay, CA
Overall index: 180 (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 | 248 | +148% | $1,274 |
| Transportation | 110 | +10% | $3.50 |
| Food | 124 | +24% | $508 |
| Utilities | 174 | +74% | $446 |
| Healthcare | 174 | +74% | $322 |
Index 100 = US national average. Higher = more expensive.
Cost breakdown (visual)
Salary Calculator: What do you need to earn in Morro Bay?
A single adult living comfortably in Morro Bay, CA needs approximately $63,000 / year after taxes.
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Frequently Asked Questions
What is the cost of living in Morro Bay, CA?
The overall cost of living in Morro Bay, CA is 80% higher than the US national average (index: 180 where 100 = national average).
How much is rent in Morro Bay, CA?
Average rent for a 1-bedroom apartment in Morro Bay, CA is about $1,274/month.
Is Morro Bay, CA expensive to live in?
Yes, Morro Bay, CA is considered expensive (index above national average).
What salary do I need to live in Morro Bay, CA?
A single adult needs roughly $63,000/year to cover basic living costs in Morro Bay, CA.