Cost of Living in McCloud, CA

With a cost of living index of 93, McCloud, CA is slightly more affordable than average. Living here is 7% cheaper than the national average and 50% below the California state average of 144. McCloud is a small community of 871 residents.

Housing costs are the biggest factor in McCloud's cost of living. The median monthly rent is $980 (26% below the US median of $1,319), and the median home value sits at $310,000 (2% above the national median of $304,900). At current prices, the median home costs roughly 7.8x the median household income — a challenging ratio that puts homeownership out of reach for many residents.

The median household income in McCloud is $39,519, which is 47% lower than the national median of $75,149. Residents spend roughly 30% of household income on rent. This is near the 30% threshold that financial experts generally consider the upper limit of affordability. Lower incomes here are balanced by the significantly lower cost of living, stretching each dollar further.

Climate is another factor for anyone considering a move to McCloud. The area sees an average annual temperature of 50.3°F, with summers averaging 66°F and winters around 36°F. Annual rainfall totals 37.6 inches spread over roughly 96 days.

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.