Cost of Living in Santa Cruz, CA
Overall index: 230 (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 | 339 | +239% | $1,611 |
| Transportation | 105 | +5% | $3.50 |
| Food | 149 | +49% | $611 |
| Utilities | 220 | +120% | $610 |
| Healthcare | 220 | +120% | $441 |
Index 100 = US national average. Higher = more expensive.
Cost breakdown (visual)
Salary Calculator: What do you need to earn in Santa Cruz?
A single adult living comfortably in Santa Cruz, CA needs approximately $80,500 / year after taxes.
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Frequently Asked Questions
What is the cost of living in Santa Cruz, CA?
The overall cost of living in Santa Cruz, CA is 130% higher than the US national average (index: 230 where 100 = national average).
How much is rent in Santa Cruz, CA?
Average rent for a 1-bedroom apartment in Santa Cruz, CA is about $1,611/month.
Is Santa Cruz, CA expensive to live in?
Yes, Santa Cruz, CA is considered expensive (index above national average).
What salary do I need to live in Santa Cruz, CA?
A single adult needs roughly $80,500/year to cover basic living costs in Santa Cruz, CA.