Los Gatos, CA

Very High · 370

California · Population 32,773 · Updated March 2026

$2,969
Median Rent / Month
$207,891
Median Income
$2,000,001
Median Home Value
$3,687
Owner Costs / Month

Affordability

How far your income goes in Los Gatos

17.1%
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

$35,628
Annual Rent
$27,650
State Income Tax
$14,200
Property Tax (est.)

Cost of Living Overview

Los Gatos has a significantly higher cost of living than most US cities, driven largely by premium housing costs. With a cost index of 370 (where 100 equals the national median), Los Gatos residents can expect to pay median rent of $2,969/month while earning a median household income of $207,891/year.

The median home value in Los Gatos, CA is $2,000,001, with typical monthly owner costs around $3,687 including mortgage, insurance, and taxes. The median rent-to-income ratio of 17.1% 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 Los Gatos.

Frequently Asked Questions

Common questions about living costs in Los Gatos

What is the cost of living in Los Gatos, CA?
The cost of living index in Los Gatos, CA is 370 (US average = 100). Median monthly rent is $2,969, median household income is $207,891/year, and the median home value is $2,000,001.
Is Los Gatos, CA affordable?
No, Los Gatos is more expensive than the national average with a cost index of 370. The rent-to-income ratio is 17.1%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Los Gatos, CA?
The median gross rent in Los Gatos, CA is $2,969 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $35,628.
What is the median household income in Los Gatos?
The median household income in Los Gatos, CA is $207,891 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%.