How Much Does It Cost to Live Comfortably in Sacramento?

If you’re considering moving to Sacramento, CA, or simply curious about what it costs to live in the state capital, you’re in the right place. Known for its rich history, thriving farm-to-fork scene, and growing tech industry, Sacramento offers a unique blend of urban and suburban living. However, like many California cities, the cost of living can be a deciding factor.

In this blog, we’ll break down housing, utilities, groceries, healthcare, and more to help you understand what it takes to live comfortably in Sacramento.

1. Housing Costs: The Biggest Expense

Renters

For renters, the average monthly rent in Sacramento is approximately $1,850 for a one-bedroom apartment. If you’re looking for larger spaces, expect to pay upwards of $2,500 for a three-bedroom home. While cheaper than the Bay Area, Sacramento’s rent prices are about 28% higher than the national average.

Homebuyers

The median home price in Sacramento currently sits around $653,075, with prices steadily rising as demand continues to grow. With California's reputation for high property values, this places Sacramento significantly above the national housing cost average.

Pro Tip to Save:

• Consider neighboring areas like Elk Grove or Rancho Cordova, which offer slightly more affordable housing options while keeping you within commuting distance of Sacramento’s city center.

2. Utility Costs: Above National Average

Sacramento’s utility costs are higher than average due to the region’s hot summers, which drive up air conditioning expenses.

• Electricity: Monthly energy bills range from $238.53 to $244.83, which is 13% to 57% higher than the U.S. average.

• Water and Waste: Water bills can add another $50 to $75 per month, depending on household size.

Energy-Saving Hacks:

• Invest in energy-efficient appliances and LED lighting.

• Use a smart thermostat to optimize cooling and heating.

3. Groceries: Slightly More Expensive

Groceries in Sacramento cost about 8% more than the national average. Staples like milk and eggs can cost up to $4.93 and $5.01 per gallon and dozen, respectively. Dining out at Sacramento's famed farm-to-fork restaurants adds to food expenses, with average meal costs ranging from $15 to $25 per person.

Money-Saving Tips:

• Shop at discount grocery chains like WinCo Foods or Trader Joe’s.

• Visit Sacramento’s local farmers’ markets for affordable, fresh produce.

4. Healthcare Costs: Slightly Higher Than Average

Healthcare expenses in Sacramento are approximately 13% above the national average. Routine services, such as doctor visits and dental appointments, typically cost:

• Doctor Visit: $160

• Optometrist Visit: $153

• Dental Cleaning: $120

How to Save:

• Use Health Savings Accounts (HSAs) to offset medical expenses.

• Opt for in-network providers to reduce out-of-pocket costs.

5. Transportation Costs: Higher Fuel Prices

Gas prices in Sacramento average $4.51 per gallon, significantly higher than the national average. Public transportation options, including Sacramento Regional Transit’s buses and light rail, offer a more cost-effective alternative, but they may not be as convenient for all residents.

Cost-Cutting Ideas:

• Use carpooling apps like Waze Carpool or Scoop to split gas expenses.

• Purchase a monthly public transportation pass for $100, which is far cheaper than driving daily.

6. Income vs. Cost of Living in Sacramento

The median household income in Sacramento ranges from $71,074 to $78,954. While this aligns with national income averages, Sacramento’s cost of living is 20% to 27% higher than the U.S. average, making budgeting essential.

Monthly Budget Breakdown:

• Single Person: $3,452

• Family of Four: $6,157

Use the 28% Rule to ensure your housing expenses don’t exceed 28% of your gross income. For example, if you earn $75,000 annually, your maximum monthly housing expense should be $1,750.

7. Sacramento’s Cost of Living Index

Sacramento’s overall cost of living index is 120.1, meaning it’s 20.1% more expensive than the national average. Compared to cities like San Francisco or Los Angeles, Sacramento offers relative affordability while maintaining a high quality of life.

How Sacramento Compares:

• Cheaper than San Francisco (Index: 192.3).

• More expensive than Phoenix, AZ (Index: 104.6).

Is Sacramento Affordable for You?

Sacramento balances affordability and opportunity better than many other California cities. However, rising housing and utility costs can strain budgets, especially for those transitioning from lower-cost regions.

Who Will Thrive in Sacramento:

• Professionals in tech, healthcare, or state government jobs that offer competitive salaries.

• Families seeking good schools and a suburban lifestyle with urban access.

• Individuals relocating from higher-cost areas like the Bay Area or Los Angeles.

Final Thoughts

Living comfortably in Sacramento is achievable with smart planning. By understanding key expenses and finding ways to save—whether by shopping at local markets, exploring more affordable neighborhoods, or optimizing energy usage—you can thrive in this thriving capital city.

Are you thinking of moving to Sacramento? For personalized insights, relocation tips, and expert real estate advice, visit LoganWinn.com.

Disclaimer: This article is for informational purposes only and does not constitute financial or legal advice. Always consult with professionals for tailored guidance on budgeting, housing, and living costs in your area. Visit LoganWinn.com today to start planning your move to Sacramento!