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Sacramento-Roseville-Folsom, CA

Cost of living in Sacramento, California

Sacramento County, CA

Part of the Sacramento Metro Area

Estimated monthly cost
$3,910/mo
for a single person, all categories combined

Population 1,584,047 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,777 45%
Federal tax $608 16%
Healthcare $480 12%
Groceries $397 10%
Transport $250 6%
Energy $217 6%
State tax $121 3%
Water $60 2%

Rent in Sacramento

Fair Market Rents by bedroom count.

Studio
$1,679
per month
1 bedroom
$1,777
per month
2 bedroom
$2,206
per month
3 bedroom
$2,992
per month
4 bedroom
$3,455
per month

Source: HUD FMR FY2025

Income and earnings in Sacramento

Annual earnings figures from the Census ACS.

Household income
$88,724
per year
Individual earnings
$47,214
per year
Per capita
$41,989
per year

Source: ACS 2019-2023 5-Year.

Home values in Sacramento

Average values reported by homeowners.

Average home value
$498,900
Annual property tax
$3,768

Source: ACS 2019-2023 5-Year

Energy costs in Sacramento

Estimated monthly electricity and gas costs.

Electricity
$167
per month · 30.4¢/kWh
Natural gas
$50
per month
Annual total
$2,604
per year

Source: EIA

Healthcare in Sacramento

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
5.1%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Sacramento

State and local tax rates for California.

State income tax
13.3%
Top marginal rate
State sales tax
7.3%
Combined sales tax
8.8%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Sacramento

Commute patterns and estimated costs.

Average commute
27.7 min
Drive alone
67.6%
Public transit
1.5%
Work from home
17.3%

Source: ACS

Monthly cost estimates for Sacramento

What it costs to live in Sacramento each month.

Single person
$3,910
per month
  • Rent $1,777
  • Energy $217
  • Water $60
  • Groceries $397
  • Transport $250
  • Healthcare $480
  • Federal tax $608
  • State tax $121
Couple
$5,939
per month
  • Rent $2,206
  • Energy $260
  • Water $70
  • Groceries $658
  • Transport $350
  • Healthcare $864
  • Federal tax $1,122
  • State tax $409
Family
$8,932
per month
  • Rent $2,992
  • Energy $326
  • Water $85
  • Groceries $998
  • Transport $450
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,122
  • State tax $409

Frequently asked questions about Sacramento

Common questions about cost of living, rent and salary.

What is the average rent in Sacramento?

In Sacramento, California, a one-bedroom apartment averages $1,777 per month, a two-bedroom averages $2,206 per month, a three-bedroom averages $2,992 per month, according to HUD Fair Market Rent data.

What is the average salary in Sacramento?

In Sacramento, California, the average household income is $88,724 per year and individual earnings for full-time workers average $47,214 per year, according to U.S. Census Bureau data.

What is the cost of living in Sacramento?

The estimated cost of living in Sacramento, California is approximately $3,910 per month for a single person, $5,939 for a couple, $8,932 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Sacramento?

The combined sales tax rate in Sacramento, California is 8.85%, which includes the California state rate of 7.25% plus an average local rate of 1.60%.

Is Sacramento an affordable place to live?

Based on the data, a single person in Sacramento, California would need approximately $3,910 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $88,724 per year ($7,394 per month). Sacramento has a moderate cost of living relative to local earnings.

How much does healthcare cost in Sacramento?

The ACA marketplace benchmark premium in Sacramento, California is approximately $480 per month for an individual. Approximately 5.1% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Sacramento?

The average home value in Sacramento, California is $498,900, with average annual property taxes of $3,768, according to U.S. Census Bureau data.

How does Sacramento compare to other areas?

You can compare Sacramento, California with any other US county using our comparison tool at /compare. Sacramento is in the Sacramento-Roseville-Folsom, CA metro area.

Other counties in California

Browse the full list of counties in California, ranked by cost of living.

See all counties in California

Compare Sacramento with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources