F
28%
Overall NAT. AVG.
4%
Goods & Services NAT. AVG.
68%
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 Patterson California National
Cost of living128140100
Goods & Services104111100
Groceries104112100
Health care96109100
Housing168196100
Transportation120126100
Utilities140127100

An Overview of Cost of Living in Patterson, CA

Are you thinking about relocating, but curious about the potential cost of living in Patterson? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in Patterson stands at 128, making it 28% higher than the national average. The cost of living directly affects the affordability of one's desired lifestyle. Knowing the cost of housing, transportation, groceries and other essentials in the new area allows people to gauge whether they can maintain their preferred standard of living.

If you value affordability in your search for a new place to live, Patterson 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, Patterson 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 Patterson 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 68.3% higher than what's typical in an average city. That includes the prices of homes and rents, as well as mortgage rates and insurance.

Is Patterson Affordable?

Is Patterson an affordable place to live? It's a good question and one that you might want to ask when considering any new city, as affordability can play a huge role in the decision making process. The cost of living index (which we covered above), as well as housing costs and income levels play a vital role in determining the affordability of an area. The median home price in Patterson is 77.4% higher than the national average, while the average monthly rent prices are 47% higher than average. The affordability of any location can also be influenced by median income levels. Patterson has a median household income of $69,947, which is 26.4% higher than the national average.

What Factors can Influence the Cost of Living in Patterson?

Housing: High demand for housing in desirable locations can drive up property prices and rental rates. This can be a primary contributor to a higher cost of living. While low demand for housing, especially in undesirable locations, can have the reverse effect and drive prices down, resulting in a lower cost of living. The housing index in Patterson, is 68.3% higher than the national average.

Transportation: In cities with limited or no public transportation, residents may find it necessary to own and maintain vehicles, thereby elevating the cost of living. Monthly expenditures include fuel, insurance, routine maintenance and potential lease or financing commitments. In Patterson, the transportation index stands at 20% higher than the national average.

Taxes: Cities that enforce higher taxes, covering both sales taxes and income taxes, can be a factor contributing to a higher cost of living. Paying more in taxes for everyday essentials like clothing and food inevitably leads to higher expenses. A higher income tax rate can further contribute to an overall elevated cost of living. In Patterson, the baseline sales tax rate begins at 7.25%, and income tax rates start at 1%.

Where is the Data From?

The cost of living in Patterson, presented above is derived from the C2ER cost of living index, offering a practical method for assessing living cost disparities in urban areas. Published quarterly, this index compiles data from more than 300 independent researchers, encompassing over 60 goods and services in 6 categories. The weightings assigned to cost variances are informed by government survey data tracking the expenditure patterns of professional and executive households. It should be noted that the C2ER index does not include data on sales or income tax rates, however, AreaVibes incorporates tax rates into the overall cost of living score for each area.

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Cost Of Living Quick Facts

  • The cost of living in Patterson is 8% lower than the California average
  • The cost of living in Patterson is 28% higher than the national average
  • Patterson housing is 68% 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 Patterson

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Compare Patterson, CA Cost of Living

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      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$85,934$7,161$2,005$2,578
      Renters$53,170$4,431$1,241$1,595
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Patterson, CA, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Patterson homeowners, is $85,934. This would allow for a maximum of $2,005 per month to be spent on housing costs. For renters, the median monthly income is $53,170 which would result in a maximum of $1,241 to be spent on rental costs.

      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 Patterson National avg. Difference
      Haircut $26.83$24.2610.6%
      Beauty Salon $76.57$45.5668.0%
      Toothpaste $3.86$3.704.3%
      Shampoo $1.56$1.2821.9%
      Movie $14.64$12.1320.6%
      Bowling $23.78$18.0032.1%

      Groceries

      Item Patterson National avg. Difference
      Ground Beef $6.21$5.846.3%
      Fried Chicken $2.10$1.5733.7%
      Milk $4.99$4.676.9%
      Potatoes $4.98$4.930.9%
      Pizza $15.69$12.0929.8%
      Beer $10.96$10.415.3%

      Health Care

      Item Patterson National avg. Difference
      Optometrist $157.88$125.6825.6%
      Doctor $166.71$135.7822.8%
      Dentist $148.27$113.2930.9%
      Ibuprofen $11.69$10.659.8%
      Lipitor $498.45$468.606.4%

      Housing

      Item Patterson National avg. Difference
      Home Price $327,600.00$184,700.0077.4%
      Avg. Mortgage Payment $4,545.90$2,346.6993.7%
      Apartment Rent $1,395.00$949.0047.0%

      Transportation

      Item Patterson National avg. Difference
      Gasoline $4.63$3.4633.9%
      Tire Balancing $70.51$59.9217.7%

      Utilities

      Item Patterson National avg. Difference
      All Electricity $299.78$193.9954.5%
      Phone $191.56$192.250.4%
      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.
      Cowan, CA47211110.7%
      Monterey Park Tract, CA29311110.7%
      Parklawn, CA1,8441043.6%
      Westley, CA6891044.4%
      Airport, CA1,2761055.2%
      Patterson, CA22,30912828.0%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Yellowknife, NT22,316n/a 
      Waynesboro, VA22,300991.0%
      Frederickson, WA22,29013131.4%
      Middletown, DE22,35011717.1%
      Prairie Village, KS22,25511515.1%
      Patterson, CA22,30912828.0%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.