F
179%
Overall NAT. AVG.
14%
Goods & Services NAT. AVG.
549%
Housing NAT. AVG.
Search Homes for Sale
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 Orinda California National
Cost of living279140100
Goods & Services114111100
Groceries117112100
Health care121109100
Housing649196100
Transportation129126100
Utilities134127100

An Overview of Cost of Living in Orinda, CA

Getting a feel for the cost of living in Orinda is essential for anyone planning to relocate, as it empowers them to make informed financial decisions, secure a comfortable lifestyle and maintain financial stability in their new environment. The cost of living in Orinda is 279, which is 179% higher than the national average. Relocating individuals may need to adjust their savings and investment strategies based on the cost of living in the new location. It influences decisions about retirement planning, investments and financial goals.

If you value affordability in your search for a new place to live, Orinda may not be the most suitable option, as it stands out as one of the priciest areas in the entire United States. Only a small fraction of regions have a cost of living that is more than 20% higher than the national average, and regrettably, Orinda falls into this category, which may not align with your desire for an affordable place to call home.

Housing costs are a major factor in the Orinda cost of living index, and they often eat up a big chunk of your take-home pay. Unfortunately, in this area, housing expenses for both homeownership and rentals were 549.3% higher than what's typical in an average city. That includes the prices of homes and rents, as well as mortgage rates and insurance.

Goods and services make up 33% of the total cost of living index score and are a large part of your everyday expenses. These items could include things like haircuts, salons, toothpaste, shampoo, clothes, movies, bowling, gym memberships or yoga. In Orinda, you can expect to pay 14.1% more than average for these items, making it a more expensive place to live.

The surge in grocery costs is indeed alarming, especially when groceries make up a large portion of your monthly expenditures. Over the past two years, there has been an inflation of over 10% in grocery prices. Unfortunately, Orinda does not fare better, with grocery expenses coming in at 17.2% higher than the national average.

What Do Locals Say About the Cost of Living in Orinda?

The real experts on a city are its residents. That's why we reached out to 5 locals to get their views on the cost of living in Orinda. We surveyed the residents and asked them if they felt like prices were affordable or out of reach. The results were as follows. 0% found it budget-friendly with decreasing prices, while 100% said it's simply not affordable as prices have continued to rise.

Is Orinda Affordable?

Wondering if Orinda is affordable? It's a question that often comes up when you're thinking about a new city since affordability can really shape your decisions. The cost of living index (covered earlier), housing expenses and income levels all play a part in the affordability equation. In Orinda, for example, the median home price is 720.5% higher than what folks pay nationally, and monthly rent is 149.8% higher than the usual rates. Plus, income levels matter too, with Orinda boasting a median household income of $231,230, which is 318% higher than the national average.

What Factors can Influence the Cost of Living in Orinda?

Taxes: Locations with elevated tax rates, encompassing both sales and income taxes, can be a factor in driving up the cost of living. When you're paying more in taxes for everyday goods and services, it naturally translates into higher expenses. Similarly, a higher income tax rate can also contribute to an overall higher cost of living. In Orinda, the standard sales tax rate starts at 7.25%, and the income tax rates commence at 1%.

Urbanization: Urban areas with a wealth of amenities and employment opportunities tend to come with a higher price tag for living. Why? Well, more people want to be there, which drives up home prices and rents. On the flip side, less densely populated rural areas or places where there's not as much demand usually mean fewer attractions, things to do and slower job growth. That often results in a lower cost of living.

Housing: When there's a high demand for housing in trendy places, it can cause property prices and rental rates to soar, leading to a significantly higher cost of living. Conversely, in less desirable locations, where demand is low, prices tend to decrease, resulting in a more budget-friendly cost of living. In Orinda, the housing index is 549.3% higher than the national average.

Where is the Data From?

The cost of living data in Orinda displayed above is sourced from the C2ER cost of living index, which serves as a practical tool for comparing living expenses across urban areas. Published on a quarterly basis, this index aggregates data from over 300 independent researchers, encompassing more than 60 goods and services, in 6 different categories. The weightings assigned to cost differences rely on government survey data that tracks the spending habits of professional and executive households. It's worth noting that the C2ER index excludes data on sales or income tax rates, while AreaVibes integrates tax rates into the overall cost of living evaluation for each region.

New Real Estate Listings in Orinda Area
Search Homes for Sale in Orinda, CA

Cost Of Living Quick Facts

  • The cost of living in Orinda is 100% higher than the California average
  • The cost of living in Orinda is 179% higher than the national average
  • Orinda housing is 549% 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 Orinda

See all the best places to live around Orinda

Compare Orinda, CA Cost of Living

      vs
      How would you rate the cost of living in Orinda?
      Write a review to give others more information about this area.
      Is the cost of living increasing or decreasing in Orinda?
      Write a review to give others more information about this area.
      See all Orinda poll results

      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$240,724$20,060$5,617$7,222
      Renters$131,016$10,918$3,057$3,931
      A good way to judge both the affordability of the housing and the cost of living in Orinda 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. Orinda has a median income of about $240,724 for people who own homes. Based on that number, a maximum of $5,617 should be spent on expenses related to housing. Renters have a slightly different median income, which is $131,016. Based on this average, renters should spend no more than $3,057 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 Orinda National avg. Difference
      Haircut $25.00$24.263.0%
      Beauty Salon $76.00$45.5666.8%
      Toothpaste $3.64$3.701.7%
      Shampoo $1.45$1.2813.5%
      Movie $16.46$12.1335.7%
      Bowling $27.22$18.0051.2%

      Groceries

      Item Orinda National avg. Difference
      Ground Beef $5.70$5.842.3%
      Fried Chicken $3.43$1.57118.2%
      Milk $4.91$4.675.1%
      Potatoes $4.87$4.931.3%
      Pizza $13.49$12.0911.6%
      Beer $11.18$10.417.4%

      Health Care

      Item Orinda National avg. Difference
      Optometrist $137.40$125.689.3%
      Doctor $110.00$135.7819.0%
      Dentist $118.27$113.294.4%
      Ibuprofen $11.76$10.6510.4%
      Lipitor $508.17$468.608.4%

      Housing

      Item Orinda National avg. Difference
      Home Price $1,515,500.00$184,700.00720.5%
      Avg. Mortgage Payment $6,553.90$2,346.69179.3%
      Apartment Rent $2,371.00$949.00149.8%

      Transportation

      Item Orinda National avg. Difference
      Gasoline $4.60$3.4633.0%
      Tire Balancing $60.97$59.921.7%

      Utilities

      Item Orinda National avg. Difference
      All Electricity $182.51$193.995.9%
      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.
      Port Costa, CA24212020.0%
      Pacheco, CA4,77511615.7%
      San Miguel CDP (San Luis Obispo County), CA2,69612928.9%
      Bay Point, CA25,37813736.8%
      El Cerrito CDP, CA5,69914039.6%
      Orinda, CA19,461279178.8%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Boone, NC19,46611110.7%
      Stillwater, MN19,47111212.3%
      Lynbrook, NY19,44515555.1%
      Franconia, VA19,47814443.6%
      Riverview, NB19,441n/a 
      Orinda, CA19,461279178.8%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.