Home Gardens, CA

Very High · 137

California · Population 11,430 · Updated March 2026

$1,744
Median Rent / Month
$92,344
Median Income
$498,800
Median Home Value
$1,869
Owner Costs / Month

Affordability

How far your income goes in Home Gardens

22.7%
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

$20,928
Annual Rent
$12,282
State Income Tax
$3,541
Property Tax (est.)

Cost of Living Overview

Home Gardens has a significantly higher cost of living than most US cities, driven largely by premium housing costs. With a cost index of 137 (where 100 equals the national median), Home Gardens residents can expect to pay median rent of $1,744/month while earning a median household income of $92,344/year.

The median home value in Home Gardens, CA is $498,800, with typical monthly owner costs around $1,869 including mortgage, insurance, and taxes. The median rent-to-income ratio of 22.7% 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 Home Gardens.

Frequently Asked Questions

Common questions about living costs in Home Gardens

What is the cost of living in Home Gardens, CA?
The cost of living index in Home Gardens, CA is 137 (US average = 100). Median monthly rent is $1,744, median household income is $92,344/year, and the median home value is $498,800.
Is Home Gardens, CA affordable?
No, Home Gardens is more expensive than the national average with a cost index of 137. The rent-to-income ratio is 22.7%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Home Gardens, CA?
The median gross rent in Home Gardens, CA is $1,744 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $20,928.
What is the median household income in Home Gardens?
The median household income in Home Gardens, CA is $92,344 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%.