What is the cost of living in Oceano, CA?
According to the most recent data on the cost of living, Oceano has an overall cost of living index of 136, which is 1.4x higher than the national index of 100.
Compared to California, Oceano has a cost of living index that's 1.0x lower than California's index of 142.
The standard of living in Oceano ranks as #201 most affordable out of the 634 places we measured in California. By definition, that implies Oceano ranks as the #433 most expensive place in the Golden State.
For more reading on life in Oceano, check out:
Oceano Cost Of Living Vs. California
Six factors go into calculating the cost of living index in Oceano. Here is how it fares on each of the criteria:
The Services index in Oceano is 107.
The Groceries index in Oceano is 112.
The Health index in Oceano is 190.
The Housing index in Oceano is 116.
The Transportation index in Oceano is 114.
The Utilities index in Oceano is 125.
| Living Expense | Oceano | California | National Average |
|---|---|---|---|
| Overall | 136 | 142 | 100 |
| Services | 107 | 110 | 100 |
| Groceries | 112 | 118 | 100 |
| Health | 190 | 197 | 100 |
| Housing | 116 | 120 | 100 |
| Transportation | 114 | 121 | 100 |
| Utilities | 125 | 121 | 100 |
Oceano Cost Of Living Compared To California Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around California, check out:
Protect your home budget Compare home warranties in Oceano Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Oceano, CA Housing Cost Breakdown
Housing swings affordability the most between places in California, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Oceano is $675,262.
The Median Rent in Oceano is $1,584.
The Median Income in Oceano is $71,598.
The Home Value To Income in Oceano is 9.4x.
The Rent To Monthly Income in Oceano is 0.27x.
| Statistic | Oceano | California | United States |
|---|---|---|---|
| Median Home Value | $675,262 | $774,581 | $332,700 |
| Median Rent | $1,584 | $2,036 | $1,413 |
| Median Income | $71,598 | $99,122 | $80,734 |
| Home Value To Income | 9.4x | 7.8x | 4.1x |
| Rent To Monthly Income | 0.27x | 0.25x | 0.21x |
Oceano, CA Costs By Category
Detailed Oceano Services costs vs. California
| Item | Oceano | California |
|---|---|---|
| Shampoo | $1.48 | $1.28 |
| Movie | $18.12 | $12.13 |
| Bowling | $22.67 | $18 |
| Haircut | $26.25 | $24.26 |
| Beauty Salon | $89.33 | $45.56 |
Detailed Oceano Groceries costs vs. California
| Item | Oceano | California |
|---|---|---|
| Ground Beef | $5.77 | $5.84 |
| Fried Chicken | $2.63 | $1.57 |
| Milk | $4.91 | $4.67 |
| Potatoes | $4.9 | $4.93 |
| Pizza | $13.49 | $12.09 |
| Beer | $11.13 | $10.41 |
| Toothpaste | $3.75 | $3.7 |
Detailed Oceano Health costs vs. California
| Item | Oceano | California |
|---|---|---|
| Optometrist | $142.2 | $125.68 |
| Doctor | $131.33 | $135.78 |
| Dentist | $131.5 | $113.29 |
Detailed Oceano Transportation costs vs. California
| Item | Oceano | California |
|---|---|---|
| Gasoline | $4.62 | $3.46 |
| Tire Balancing | $61.0 | $59.92 |
Detailed Oceano Utilities costs vs. California
| Item | Oceano | California |
|---|---|---|
| All Electricity | $231.4 | $193.99 |
| Phone | $193.81 | $192.25 |
Oceano SnackAbility
Cost Of Living In Cities Around Oceano
The cost of living varies in the cities and towns around Oceano. Here's a quick look at the cost of living in the most populous nearby places:
Santa Maria, CA has a cost of living index of 138, 1.0x Oceano.
San Luis Obispo, CA has a cost of living index of 175, 1.3x Oceano.
Orcutt, CA has a cost of living index of 148, 1.1x Oceano.
| City | Population | Cost Of Living | Vs. Oceano |
|---|---|---|---|
| Santa Maria, CA | 110,462 | 138 | 1.0x |
| San Luis Obispo, CA | 48,491 | 175 | 1.3x |
| Orcutt, CA | 31,454 | 148 | 1.1x |
| Arroyo Grande, CA | 18,372 | 168 | 1.2x |
| Nipomo, CA | 17,516 | 166 | 1.2x |
| Los Osos, CA | 14,166 | 163 | 1.2x |
| Grover Beach, CA | 12,604 | 157 | 1.2x |
| Guadalupe, CA | 8,566 | 132 | 1.0x |
| Pismo Beach, CA | 8,014 | 184 | 1.4x |
