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San Luis Obispo-Paso Robles, CA

Cost of living in San Luis Obispo County, CA

Part of the San Luis Obispo Metro Area

Estimated monthly cost
$3,893/mo
for a single person, all categories combined

Population 281,486 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,855 48%
Federal tax $481 12%
Healthcare $480 12%
Groceries $397 10%
Transport $320 8%
Energy $217 6%
State tax $83 2%
Water $60 2%

Rent in San Luis Obispo County

Fair Market Rents by bedroom count.

Studio
$1,669
per month
1 bedroom
$1,855
per month
2 bedroom
$2,434
per month
3 bedroom
$3,250
per month
4 bedroom
$3,683
per month

Source: HUD FMR FY2025

Income and earnings in San Luis Obispo County

Annual earnings figures from the Census ACS.

Household income
$93,398
per year
Individual earnings
$39,465
per year
Per capita
$49,581
per year

Source: ACS 2019-2023 5-Year.

Home values in San Luis Obispo County

Average values reported by homeowners.

Average home value
$777,200
Annual property tax
$5,475

Source: ACS 2019-2023 5-Year

Energy costs in San Luis Obispo County

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 San Luis Obispo County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
5.8%

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 San Luis Obispo County

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 San Luis Obispo County

Commute patterns and estimated costs.

Average commute
21.4 min
Drive alone
70.2%
Public transit
0.8%
Work from home
14.0%

Source: ACS

Monthly cost estimates for San Luis Obispo County

What it costs to live in San Luis Obispo County each month.

Single person
$3,893
per month
  • Rent $1,855
  • Energy $217
  • Water $60
  • Groceries $397
  • Transport $320
  • Healthcare $480
  • Federal tax $481
  • State tax $83
Couple
$6,350
per month
  • Rent $2,434
  • Energy $260
  • Water $70
  • Groceries $658
  • Transport $420
  • Healthcare $864
  • Federal tax $1,199
  • State tax $445
Family
$9,373
per month
  • Rent $3,250
  • Energy $326
  • Water $85
  • Groceries $998
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,199
  • State tax $445

Frequently asked questions about San Luis Obispo County

Common questions about cost of living, rent and salary.

What is the average rent in San Luis Obispo County?

In San Luis Obispo County, CA, a one-bedroom apartment averages $1,855 per month, a two-bedroom averages $2,434 per month, a three-bedroom averages $3,250 per month, according to HUD Fair Market Rent data.

What is the average salary in San Luis Obispo County?

In San Luis Obispo County, CA, the average household income is $93,398 per year and individual earnings for full-time workers average $39,465 per year, according to U.S. Census Bureau data.

What is the cost of living in San Luis Obispo County?

The estimated cost of living in San Luis Obispo County, CA is approximately $3,893 per month for a single person, $6,350 for a couple, $9,373 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in San Luis Obispo County?

The combined sales tax rate in San Luis Obispo County, CA is 8.85%, which includes the California state rate of 7.25% plus an average local rate of 1.60%.

Is San Luis Obispo County an affordable place to live?

Based on the data, a single person in San Luis Obispo County, CA would need approximately $3,893 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $93,398 per year ($7,783 per month). San Luis Obispo County has a moderate cost of living relative to local earnings.

How much does healthcare cost in San Luis Obispo County?

The ACA marketplace benchmark premium in San Luis Obispo County, CA is approximately $480 per month for an individual. Approximately 5.8% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in San Luis Obispo County?

The average home value in San Luis Obispo County, CA is $777,200, with average annual property taxes of $5,475, according to U.S. Census Bureau data.

How does San Luis Obispo County compare to other areas?

You can compare San Luis Obispo County, CA with any other US county using our comparison tool at /compare. San Luis Obispo County is in the San Luis Obispo-Paso Robles, CA metro area.

Other counties in California

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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