Atwater, CA

Average · 95

California · Population 32,013 · Updated March 2026

$1,219
Median Rent / Month
$63,945
Median Income
$340,600
Median Home Value
$1,297
Owner Costs / Month

Affordability

How far your income goes in Atwater

22.9%
Rent-to-Income Ratio
Affordable
Rent takes less than 25% of median income — considered affordable by HUD standards.

Tax Burden in California

State-level tax rates that affect your costs

13.3%
Income Tax (Top Rate)
7.25%
Sales Tax
0.71%
Property Tax Rate

Estimated Annual Costs

$14,628
Annual Rent
$8,505
State Income Tax
$2,418
Property Tax (est.)

Cost of Living Overview

Atwater has a cost of living close to the national average, offering a balanced mix of expenses and amenities. With a cost index of 95 (where 100 equals the national median), Atwater residents can expect to pay median rent of $1,219/month while earning a median household income of $63,945/year.

The median home value in Atwater, CA is $340,600, with typical monthly owner costs around $1,297 including mortgage, insurance, and taxes. The median rent-to-income ratio of 22.9% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.

California's top income tax rate of 13.3% is among the highest in the nation, adding to the overall cost burden. Combined with a 7.25% sales tax rate and 0.71% effective property tax rate, the overall tax environment is a factor in the total cost of living in Atwater.

Frequently Asked Questions

Common questions about living costs in Atwater

What is the cost of living in Atwater, CA?
The cost of living index in Atwater, CA is 95 (US average = 100). Median monthly rent is $1,219, median household income is $63,945/year, and the median home value is $340,600.
Is Atwater, CA affordable?
Yes, Atwater is more affordable than the national average with a cost index of 95. The rent-to-income ratio is 22.9%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Atwater, CA?
The median gross rent in Atwater, CA is $1,219 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $14,628.
What is the median household income in Atwater?
The median household income in Atwater, CA is $63,945 per year. This compares to the national median of approximately $80,000.
What are the taxes like in California?
California has a top income tax rate of 13.3%, a sales tax of 7.25%, and an effective property tax rate of 0.71%.