Households across San Jose face the highest median costs for essential bills among the 50 largest U.S. cities, according to a new doxoINSIGHTS report. Residents pay a median of $44,947 a year across 13 common bills that cover rent or mortgage, utilities, insurance, and car loans. That figure stands 78 percent above the national median of $25,266 and equals about 31 percent of local income.
New York City ranked second at $40,794, followed by San Francisco at $39,696, San Diego at $39,345, and Boston at $38,630. Even after removing housing costs, San Jose still led the list with a median of $16,329, or 47 percent above the national figure for non-housing bills. Auto insurance runs 208 percent above the national median, water and sewer costs sit 121 percent higher, and waste and recycling bills run 115 percent higher.
Lifelong resident Amber Long, a 45-year-old mother of three, estimated her household spends about $4,200 a month with housing included and under $3,000 without rent. “(Politicians are) missing the whole community that does not make six figures,” Long said. “I can’t imagine anybody having kids right now and what they’re going through, trying to afford childcare and everything.” Alison Cingolani, director of policy at SV@Home, noted that housing costs push up other necessities because workers commute farther or businesses face higher labor costs. “Housing costs kind of feed into even the things that it’s not obvious that housing costs feed into,” she said.
Russell Hancock, president and CEO of Joint Venture Silicon Valley, pointed to the region’s housing shortage and resistance to new development as ongoing pressures. “While housing costs can put pressure on expenses beyond rent or a mortgage, even households earning six figures can struggle to afford childcare, transportation and other necessities,” Hancock said. “(Current residents are) glad that they’re here, but they don’t want anybody else to be here.” Michael O’Connell, who has lived in San Jose since the 1960s and carries a $1,100 monthly mortgage, added, “I don’t see how people do it nowadays. Because rent’s so outrageous.”
A 2026 Silicon Valley Poll found that 48 percent of Bay Area residents cannot cover monthly expenses while also saving or investing, 59 percent have cut back on groceries or other necessities in the past five years, and 47 percent have taken on debt or used credit cards. The doxo data, drawn from actual bill payments across the largest cities, underscores how housing and related costs shape daily budgets in San Jose even as the city continues to attract high-wage tech and innovation jobs.
Source: San Jose Spotlight
