Bay Point, CA

Very High · 138

California · Population 24,065 · Updated March 2026

$1,946
Median Rent / Month
$80,684
Median Income
$479,100
Median Home Value
$1,704
Owner Costs / Month

Affordability

How far your income goes in Bay Point

28.9%
Rent-to-Income Ratio
Moderate
Rent takes 25-35% of median income — moderate affordability.

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

$23,352
Annual Rent
$10,731
State Income Tax
$3,402
Property Tax (est.)

Cost of Living Overview

Bay Point has a significantly higher cost of living than most US cities, driven largely by premium housing costs. With a cost index of 138 (where 100 equals the national median), Bay Point residents can expect to pay median rent of $1,946/month while earning a median household income of $80,684/year.

The median home value in Bay Point, CA is $479,100, with typical monthly owner costs around $1,704 including mortgage, insurance, and taxes. With a rent-to-income ratio of 28.9%, Bay Point falls within the generally affordable range, though it's approaching the 30% burden threshold.

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 Bay Point.

Frequently Asked Questions

Common questions about living costs in Bay Point

What is the cost of living in Bay Point, CA?
The cost of living index in Bay Point, CA is 138 (US average = 100). Median monthly rent is $1,946, median household income is $80,684/year, and the median home value is $479,100.
Is Bay Point, CA affordable?
No, Bay Point is more expensive than the national average with a cost index of 138. The rent-to-income ratio is 28.9%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Bay Point, CA?
The median gross rent in Bay Point, CA is $1,946 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $23,352.
What is the median household income in Bay Point?
The median household income in Bay Point, CA is $80,684 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%.