Cost of Living in Gilroy, CA

With a cost of living index of 188, Gilroy, CA is one of the most expensive cities in the United States. Living here is 88% more expensive than the national average and 45% above the California state average of 144. With a population of 58,561, Gilroy is a mid-sized community that balances access to services with a more manageable cost of living compared to larger metros.

Housing costs are the biggest factor in Gilroy's cost of living. The median monthly rent is $2,270 (72% above the US median of $1,319), and the median home value sits at $975,800 (220% above the national median of $304,900). At current prices, the median home costs roughly 7.4x the median household income — a challenging ratio that puts homeownership out of reach for many residents.

The median household income in Gilroy is $131,554, which is 75% higher than the national median of $75,149. Residents spend roughly 21% of household income on rent. This is a comfortable ratio, well below the 30% threshold that financial experts recommend as a maximum. While incomes are above average, they do not fully offset the higher cost of living.

Climate is another factor for anyone considering a move to Gilroy. The area sees an average annual temperature of 57.2°F, with summers averaging 62°F and winters around 51°F. Annual rainfall totals 22.4 inches spread over roughly 68 days.

Everyday prices in the San Jose-Sunnyvale-Santa Clara, CA (Metropolitan Statistical Area) metro area tend to run above the national average. Out of 6 common grocery and utility items tracked by the Bureau of Labor Statistics, 6 are priced higher than the US average. These real-world prices — from groceries to electricity — add up and should be factored into any cost of living comparison.

Data sources: US Census Bureau (ACS 2023), Zillow Home Values, HUD Fair Market Rents, BEA Regional Price Parities, BLS Average Prices, and NOAA Climate Normals. Updated monthly.