Complete Relocator’s Guide To The Chula Vista cost of living

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Complete Guide To Chula Vista Cost Of Living

Are you thinking of moving to the best family-friendly city in California? While many California suburbs can be astronomically expensive, the average Chula Vista cost of living is ideal for families. This city is known for its “beautiful views, rolling hills, deep canyons, and infamous coastal landscape from almost every window. There’s no doubt that Chula Vista will leave you in awe. 

Chula Vista has something to offer for every family. The city is big on sports (it’s home to the U.S. Olympic Training Center) and the outdoors. Plus, it has established quality infrastructure and an educated and experienced workforce. But what would the Chula Vista cost of living set you back? Can you afford to live comfortably in this city?

In this complete guide, we’ll dive into the costs of buying vs. renting, utilities, fuel and transport, education and healthcare, amongst others. After reading it, you will have a comprehensive understanding of what relocation to Chula Vista will cost you.

Chula Vista Cost Of Living

The city of Chula Vista has an estimated population of 281,838. Chula Vista’s cost of living is 36% higher than the national average. Therefore, it is essential to understand the breakdown of these expenses.  

Although the city’s growth has increased, Chula Vista maintains its outstanding quality of life by carefully nursing threshold standards for public facilities and service topics. 

Also important to know is that the joint 2021 sales tax rate for Chula Vista in California is 8.75%. This is the total of state, county and city sales tax rates. The California sales tax rate is currently 6%, and the County (San Diego) sales tax rate is 0.25%.

Salaries in Chula Vista

You can better understand the Chula Vista cost of living in terms of individual and household income levels. 

To determine if the expenses will be realistic compared to your salary, resort to a basic rule of thumb 50-30-20 rule. This rule dictates that 50% of your net income should be spent on needs, 30% on wants, and 20% on savings and investments. 

The average hourly pay rate in Chula Vista, CA, is $18.65. The average median household income is $81,272, and the median individual income is $38,566. 

Popular occupations with hourly rates, bonuses, profit sharing, and commission included are as follows:

●      Registered nurses average $42

●      Certified nurse’s assistants average $16

●      Medical assistants average about $18 per hour all-inclusive 

Some of the popular employers in Chula Vista, CA, include, but are not limited to:

●      Sharp Healthcare

●      YMCA

●      Walmart

●      Fresenius Medical Care Holdings Inc.

●      Ross Stores Inc.

●      Vitas Healthcare Corporation

●      University Compounding Pharmacy

●      The Home Depot Inc.

●      The Cheesecake Factory Inc.

●      Subway Restaurant Inc.

●      Stars

●      Starbucks Corporation

●      South coast welding and manufacturing


Chula Vista’s housing expenses are 103% higher than the national average, but luckily the housing options are pretty vast. Options range from family homes with large yards and gorgeously green tree-lined streets to chic condos, high-rise apartments, and even historic homes.

Neighborhoods are established and have a total of 56 parks with tons of green space. The average home cost is estimated at $703,818. 

If you don’t know the area well, perhaps get a registered real estate agent to assist you with the process of selecting a neighborhood to live in.


The Chula Vista cost Of living is heavily dependent on which neighborhood you choose to live in. Some of the best areas include Rolling Hills Ranch, Eastlake Greens, and Otay Ranch.

Otay Ranch

The cost of living in the Otay Ranch location is slightly cheaper than the others. Prices range from $485,000 for a two-bedroom of 1071 sq ft to $689,000 for a three-bedroom of 1649 sq ft.

Rolling Hills Ranch

Rolling Hills Ranch comes highly rated and is ranked at the top of the list of best neighborhoods in Chula Vista. It has a small-town feel and an exceptionally low crime rate. Most people in Rolling Hills own their homes as opposed to renting. 

Three bedrooms in this area start from about $745,000 for 1,299 sq ft to $1548,300 for a five-bedroom 4,147 sq ft.

Eastlake Greens

Eastlake Greens is significantly larger than Rolling Hills, with more to offer than the small town. The character and vibe are entirely different, with parks to visit, coffee shops for quick catch-ups, and multiple places to shop.

Two bedrooms start from around $525,000 for 1,180 sq ft to $815,000 for a five bedroom 2,149 sq ft.


Monthly rent costs $2,205, which is almost 100% more than the average rent across the U.S. This average is across the board, so it may fluctuate depending on the different areas or neighborhoods you decide to move to.

Devote some time to researching so that you find the perfect rental. Multiple websites provide alerts for when a new property hits the market. Keep in mind that renting a more expensive house or apartment could set you back, so stick to a dwelling within your budget. 

Be prepared to pay a deposit. Most landlords request a month or two upfront, so budgeting for this is essential. You will get the deposit back when you leave the rental. So take care not to incur any damages to the property during your stay to avoid any issues when you go.


Utilities are the basic services your home or apartment needs to keep it comfortable and functioning smoothly. Common utilities include water, sewer, electric, gas, trash, and recycling. The utility prices are 15% higher than the national average, with energy costing around $192.64 per month on average. 

Home utilities in an apartment rental can be split between the tenant and landlord. By purchasing a house, you, as the homeowner, are responsible for paying water and sewage services to the city municipality, which falls under your rates. Trash and recycling are picked up by the city and are included in your monthly rates.

While your home may not require natural gas services, electricity is necessary. The average residential electricity rate in Chula Vista is 16.35¢/kWh. This average residential electricity rate in Chula Vista is 6.58% more than the California average of 15.34¢/kWh. 

And the average residential electricity rate in Chula Vista is 37.63% more than the national average rate of 11.88¢/kWh. 

Technology subscriptions like cable T.V., internet from a provider like DIRECTV Stream Choice™ + AT&T Internet will provide 300M Fiber Internet speeds for Up to 500 Mbps plus T.V. for 85+ Channels for a renewable monthly price of $129.99 per month. 

It’s best to get a quote beforehand. Purchasing a modem and router instead of renting and choosing streaming services or cable can save you quite a bit in the long run. 

Phone services are also considered utilities. Your phone bill can cost anywhere from about $205.35 / month. Don’t forget the costs of those extras such as cable T.V., internet, and phone services. It’s best to get at least three quotes so that you can decipher which suits your budget.


When figuring out the Chula Vista cost of living, home security is not an essential utility. Still, it certainly helps you sleep better at night. When selecting a security system, be prepared to pay upfront for installation and equipment, plus a monthly monitoring fee.

Security home systems vary pretty vastly, and a smart system could very well cost anything between $60 – $100 per month. However, the average basic alarm system will cost you around $20 – $60 monthly.

Food and groceries

There’s no way to accurately gauge the ​​Chula Vista cost of living without knowing the cost of day-to-day groceries. Popular grocery stores in Chula Vista are Walmart, Garden Farms Market Chula Vista, Carnival Supermarket, and Albertsons, to name but a few.

To give you an idea across the board of what your grocery budget will look like, it’s around:

  • $2.04 for a carton of eggs
  • $3.76 for a loaf of bread
  • $2.19 for a gallon of milk
  • local beer (0.5-liter draught) goes for $3,
  • imported beer (0.33-liter bottle) for $5 
  • cappuccino (regular) $3.50.

And if you enjoy dining out now and again, an inexpensive meal at a restaurant will cost about $13.

A meal for two people at a mid-range restaurant for a three-course goes for approximately $52.50. 

Then there’s, of course, the occasional take-out where a McMeal at McDonald’s (or Equivalent Combo Meal) will cost around $7.08.


Family Health Centers of San Diego (FHCSD) are one of the top healthcare providers in California and offer low-cost services if you have no insurance. 

Family Health Centers of San Diego are dedicated to providing affordable, high-quality health care and support services to everyone, with a special commitment to uninsured, low-income, and medically underserved persons. 

However, you can expect to pay approximately the following fees for service professionals; doctor’s visit $119.01, dentist visits $102.24, optometrist visit $111.52, R.X. drug $474.08, and veterinary visit $52.55

Education and child care

Residents in Chula Vista are proud of their schools as they have an excellent variety. There’s a range of educational opportunities, from preschool to college, making the Chula Vista cost of living more realistic. 

For one child, full day at private preschool (or Kindergarten), you would pay about $850 monthly.

At an International Primary School for one child, you would pay about $20,000 for the year. Chula Vista Elementary School District is a high-performing district for student academic achievement.

The city is also home to the Sweetwater Union High School District (SUHSD). The curriculum provides stimulating courses that prepare students for college and careers. For higher education, Southwestern College offers two-year programs for associate degrees. 

Multiple four-year universities are also within commuting distance from Chula Vista.


You can easily get around Chula Vista by tram, bus, taxi, or car. Transportation expenses like bus fares and gas prices are 29% higher than the national average.

If you prefer getting around in your own vehicle to buy a used car, you could look at spending about $6000. However, this is obviously dependent on what you purchase. You would also need to think about vehicle insurance and gas, which you can buy for $3.36 per gallon. 

However, if this is too expensive or you wish to save money in this respect, there is always public transport. You can use a metropolitan transit system to get around the city. 

To give you an idea of pricing, see below:

●      One way fare MTS Trolley for adults is $2.50 and seniors and disabled, $1.25

●      MTS Bus one way fare for adults $2.50 and seniors and disabled $1.25

●      MTS Rapid is $2.50 one way for adults and seniors and disabled you’re looking at $1.25

●      MTS Rapid Express/Premium for (Routes 280, 290), adults, $5 and for seniors and adults $2.50.

You can find further detailed information online. 

Taxi rates in Chula Vista range from a base fee of $2.80, the cost per mile is $3, and if in traffic or sitting in a cab waiting, it will cost $24.00 per hour.

Another essential form of transportation you need to factor in is the actual moving costs of relocation from your current location to Chula Vista. This on its own can be very overwhelming. Luckily, professional movers have the experience to help you along this journey.


Chula Vista has fantastic weather that fluctuates in the 50s and 60s all year round. This allows for many events to be held outdoors.

Known as the “Lemon capital of the world,” Chula Vista hosts an annual festival where almost everything is yellow, and the Lemon scent fills the air. The event features live entertainment, international foods, handcrafters, competitions, and lemons in abundance.


Chula Vista’s cost of living may be slightly higher than that of the national average. Still, the excellent quality of life also needs to be considered.  

Relocating is a big decision that should be made after thorough research and facts. As long as all the living costs add up and the relocation plan is in place, you cannot go wrong.