Cost of Living in Gilroy, CA
Updated November 2026 · Santa Clara County · San Jose-Sunnyvale-Santa Clara, CA metro area · population 59,004
Prices in Gilroy are 15.5% above the US average (local index 115.5; the BEA index for the San Jose-Sunnyvale-Santa Clara, CA metro area is 110.4), with local housing the biggest cost driver at 173.1; a single adult's modelled budget is about $3,265 a month and the median rent is $2,301.
Prices by category
CostLiving local estimate. 100 = US average; 110 means prices are 10% higher. Housing reflects Gilroy's own median rent compared with the area's average rent; goods, utilities and other services are BEA's official price parities for the San Jose-Sunnyvale-Santa Clara, CA metro area, unchanged.
Gilroy price index by category, US average = 100: All items 115.5, Housing (rents) 173.1, Goods 105.2, Utilities 156.7, Other services 100.3
It is the 87th most expensive of the 196 California cities in our data. More expensive than 87% of the cities we cover.
| BEA index | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| All items | 112.9 | 113.5 | 111.6 | 115.3 | 113.1 | 110.4 |
Monthly budget by household type
1 adult · 1-bedroom · modelled estimate for Gilroy, CA
| Category | Per month | Per year | Share |
|---|---|---|---|
| Housing (rent) | $1,321 | $15,852 | 40% |
| Utilities | $361 | $4,332 | 11% |
| Food at home | $297 | $3,564 | 9% |
| Transportation | $760 | $9,120 | 23% |
| Health care | $352 | $4,224 | 11% |
| Clothing, personal care & supplies | $174 | $2,088 | 5% |
| Total | $3,265 | $39,180 | 100% |
2 adults · 2-bedroom · modelled estimate for Gilroy, CA
| Category | Per month | Per year | Share |
|---|---|---|---|
| Housing (rent) | $2,096 | $25,152 | 37% |
| Utilities | $580 | $6,960 | 10% |
| Food at home | $548 | $6,576 | 10% |
| Transportation | $1,502 | $18,024 | 26% |
| Health care | $653 | $7,836 | 11% |
| Clothing, personal care & supplies | $342 | $4,104 | 6% |
| Total | $5,721 | $68,652 | 100% |
2 adults + 2 children · 3-bedroom · modelled estimate for Gilroy, CA
| Category | Per month | Per year | Share |
|---|---|---|---|
| Housing (rent) | $2,564 | $30,768 | 36% |
| Utilities | $705 | $8,460 | 10% |
| Food at home | $781 | $9,372 | 11% |
| Transportation | $2,004 | $24,048 | 28% |
| Health care | $609 | $7,308 | 9% |
| Clothing, personal care & supplies | $441 | $5,292 | 6% |
| Total | $7,104 | $85,248 | 100% |
Modelled estimate of basic costs, excluding taxes, child care and savings. Housing is rent excluding tenant-paid utilities (counted under utilities). See how the budget is calculated.
Housing costs in Gilroy
Rent by number of bedrooms
| Size | Median rent |
|---|---|
| Studio | $2,032 modelled from city median rent |
| 1 bedroom | $1,428 |
| 2 bedrooms | $2,265 |
| 3 bedrooms | $2,771 |
| 4 bedrooms | $3,500+ |
Median rent: Census ACS 2020-2024 median gross rent by bedrooms (rent plus tenant-paid utilities, all renters).
Rent, home values and affordability
| Measure | Value |
|---|---|
| Median gross rent | $2,301 |
| Median contract rent (excl. utilities) | $2,129 |
| Median home value | $1,027,400 |
| Owner costs with a mortgage | $3,933/mo |
| Median household income | $133,107 |
| Rent as % of renter income Expensive | 31.8% |
| Home value ÷ household income Very expensive | 7.7× |
Census ACS 5-year 2020-2024.
Electricity and gas prices
Residential electricity in California
29.75¢ per kWh, August 2026
12-month change: −3.8% (from 30.92¢) · US 18.16¢
Average household uses 507 kWh a month in California ≈ $164/month. Source: EIA-861M (statewide average).
Regular gasoline
$5.75 per gallon, week of 2026-11-02
12-month change: +29.6% (from $4.43) · US $4.15
EIA weekly retail price survey.
Inflation in the West
Consumer prices in the West Census region rose +3.4% in the 12 months to September 2026 (US +3.7%). Nationally, food at home changed +1.8%, shelter +3.2% and energy +20.4%. Source: BLS CPI-U, not seasonally adjusted. CPI is published for regions and large metro areas, so the regional figure is shown.
Salary equivalent
Because prices in Gilroy are 15.5% above the US average, $60,000 here has the buying power of about $52,000 in an average-priced US area.
Formula: US-equivalent = salary × 100 ÷ 115.5. Based on the local cost index (CostLiving estimate from BEA RPP and Census rents); taxes not included.
Nearby cities
| City | Distance | Index | Budget (single) | Median rent |
|---|---|---|---|---|
| Watsonville, CA | 12 mi | 108.6 | $3,312 | $1,889 |
| Salinas, CA | 22 mi | 110.1 | $3,462 | $1,991 |
| San Jose, CA | 24 mi | 120.6 | $4,120 | $2,669 |
| Santa Cruz, CA | 25 mi | 116.0 | $3,691 | $2,452 |
| Santa Clara, CA | 33 mi | 125.3 | $4,540 | $3,016 |
| Cupertino, CA | 33 mi | 132.0 | $5,034 | $3,500+ |
Cities with a similar cost of living
| City | Index | Budget (single) | Median rent |
|---|---|---|---|
| Delray Beach, FL | 115.8 | $3,581 | $1,961 |
| Kendale Lakes, FL | 115.9 | $3,297 | $1,968 |
| Bethesda, MD | 115.9 | $3,981 | $2,469 |
| Kendall, FL | 114.9 | $3,405 | $1,905 |
| Jersey City, NJ | 116.0 | $3,709 | $2,007 |
| Country Club, FL | 114.9 | $3,356 | $1,899 |
Compare Gilroy with another city
Frequently asked questions
Is Gilroy, CA an expensive place to live?
Gilroy has a local cost of living index of 115.5, which is 15.5% above the US average. This CostLiving estimate starts from the BEA Regional Price Parities 2024 for the San Jose-Sunnyvale-Santa Clara, CA metro area (110.4) and adjusts housing to Gilroy's own rents. It is 4.8 points above the California average. It is the 87th most expensive of the 196 California cities in our data. More expensive than 87% of the cities we cover.
How much money do you need to live in Gilroy?
Our modelled estimate of basic monthly costs is $3,265 for a single adult, $5,721 for a couple and $7,104 for a family of four, before taxes, child care and savings. A $60,000 salary in an average-priced US area buys about the same as $69,300 in Gilroy.
What is the average rent in Gilroy?
The median gross rent (rent plus tenant-paid utilities) is $2,301 a month (Census ACS 2020-2024). By size: 1 bedroom $1,428, 2 bedrooms $2,265, 3 bedrooms $2,771. The typical renter spends 31.8% of household income on rent (expensive).
How much does a house cost in Gilroy?
The median owner-estimated home value is $1,027,400, 7.7 times the median household income of $133,107 (very expensive). Owners with a mortgage pay a median $3,933 a month in housing costs.
How much is electricity and gas in Gilroy?
California residential electricity averaged 29.75¢ per kWh in August 2026 (US 18.16¢). Regular gasoline was $5.75 a gallon (California average, week of 2026-11-02).
Sources and notes
- Local cost index: CostLiving estimate from BEA Regional Price Parities 2024 for the San Jose-Sunnyvale-Santa Clara, CA metropolitan statistical area (BEA index 110.4) with housing from Census ACS median rent (city figure); see the methodology.
- Rents, home values, income, population: U.S. Census Bureau ACS 5-year 2020-2024, Census place 0629504 (Gilroy city).
- Electricity: EIA-861M, California residential average, August 2026.
- Gasoline: EIA weekly retail regular gasoline, California, week of 2026-11-02.
- Inflation: BLS CPI-U West region, September 2026.
- Budget baselines: BLS Consumer Expenditure Survey 2025; electricity use by household size: EIA RECS 2020.
Labels such as “county figure” or “state nonmetro figure” mark values that come from a larger area because the city-level figure is unavailable or unreliable. The monthly budget is a modelled estimate, not observed spending, and excludes taxes. This page is for general information and is not financial advice. Methodology · All sources