Monthly Budget in Santa Cruz for a Single Adult
What it costs one working adult, no dependents to live in Santa Cruz, CA in 2026.
$3,453
Total Monthly
$7,673
Salary Needed
175
Cost Index
Complete Monthly Budget
| Category | Expense | Monthly Cost |
|---|---|---|
| Essential | Rent (1BR apartment) | $2,100 |
| Essential | Groceries & household supplies | $55 |
| Essential | Utilities (electric, gas, water) | $35 |
| Essential | Transportation (gas, transit, maintenance) | $62 |
| Essential | Car insurance | $218 |
| Essential | Health insurance (individual) | $66 |
| Lifestyle | Internet & streaming | $131 |
| Lifestyle | Phone plan (1 line) | $85 |
| Lifestyle | Dining out & takeout | $438 |
| Lifestyle | Entertainment & recreation | $263 |
| Essentials Subtotal | $2,536 | |
| Lifestyle Subtotal | $917 | |
| Total Monthly Budget | $3,453 |
💡 Salary Needed: To live in Santa Cruz as a one working adult, no dependents with a 20% savings margin, you need approximately $7,673/year before taxes.Check affordability →