Cost of Living in Rail Road Flat, CA

With a cost of living index of 91, Rail Road Flat, CA is slightly more affordable than average. Living here is 9% cheaper than the national average and 53% below the California state average of 144. Rail Road Flat is a small community of 696 residents.

Housing costs are the biggest factor in Rail Road Flat's cost of living. The median monthly rent is $743 (44% below the US median of $1,319), and the median home value sits at $366,900 (20% above the national median of $304,900). At current prices, the median home costs roughly 4.3x the median household income — a moderately affordable ratio by today's standards.

The median household income in Rail Road Flat is $85,656, which is 14% higher than the national median of $75,149. Residents spend roughly 10% of household income on rent. This is a comfortable ratio, well below the 30% threshold that financial experts recommend as a maximum.

Climate is another factor for anyone considering a move to Rail Road Flat. The area sees an average annual temperature of 63°F, with summers averaging 76°F and winters around 49°F. Annual rainfall totals 13.5 inches spread over roughly 57 days. The mild climate is a draw for many residents and keeps utility costs moderate year-round.

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.