Discovery Bay, CA

Very High · 223

California · Population 15,243 · Updated March 2026

$2,897
Median Rent / Month
$154,792
Median Income
$789,400
Median Home Value
$3,058
Owner Costs / Month

Affordability

How far your income goes in Discovery Bay

22.5%
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

$34,764
Annual Rent
$20,587
State Income Tax
$5,605
Property Tax (est.)

Cost of Living Overview

Discovery Bay has a significantly higher cost of living than most US cities, driven largely by premium housing costs. With a cost index of 223 (where 100 equals the national median), Discovery Bay residents can expect to pay median rent of $2,897/month while earning a median household income of $154,792/year.

The median home value in Discovery Bay, CA is $789,400, with typical monthly owner costs around $3,058 including mortgage, insurance, and taxes. The median rent-to-income ratio of 22.5% 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 Discovery Bay.

Frequently Asked Questions

Common questions about living costs in Discovery Bay

What is the cost of living in Discovery Bay, CA?
The cost of living index in Discovery Bay, CA is 223 (US average = 100). Median monthly rent is $2,897, median household income is $154,792/year, and the median home value is $789,400.
Is Discovery Bay, CA affordable?
No, Discovery Bay is more expensive than the national average with a cost index of 223. The rent-to-income ratio is 22.5%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Discovery Bay, CA?
The median gross rent in Discovery Bay, CA is $2,897 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $34,764.
What is the median household income in Discovery Bay?
The median household income in Discovery Bay, CA is $154,792 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%.