2025 Compare Cities Cost of Living:
Half Moon Bay, CA vs Napa, CA

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Highlights
Is it cheaper to live in Napa or is it cheaper to live in Half Moon Bay?
- Napa is 35.5% less expensive than Half Moon Bay.

Which city has more affordable housing, Napa or Half Moon Bay?
- Napa housing costs are 43.9% less expensive than Half Moon Bay housing costs.

Is Health Care more affordable in Half Moon Bay or is Health Care more affordable in Napa.
- Health related expenses are 6.7% less in Napa.
 Half Moon Bay, CANapa, CAUnited States
 Overall  Unlock161.3100
 Food & Groceries114.8  Unlock100
 Health  Unlock109.5100
 Housing504.7  Unlock100
 Median Home Cost  Unlock$862,900$338,100
 Utilities88  Unlock100
 Transportation  Unlock101.3100
 Miscellaneous161.9  Unlock100
100 = National Average (Below 100 means cheaper than the US average. Above 100 means more expensive.)
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Reviews for Half Moon Bay    3 Reviews

HMB has one of the best climates in the world. It also has some very good restaurants. You have the ocean on one side and scenic foothills to the east.It would be heaven  More

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Over 19 years ago

Rural coastal living in a great community close to San Francisco and Silicon  More

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Over 20 years ago

I lived in HMB for 17 years and loved (almost) every minute there. Beautiful hills to the east of the town and the Pacific ocean to the west. Close to San Francisco,  More

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Reviews for Napa    19 Reviews

I have lived in Napa for 20 years. In that time, Napa has changed dramatically. Today, Napa is very much a Hispanic community. Many Latinos don't or won't speak English  More

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My longtime Napa home burned to smithereens in 2017. That same night, a crazy stalker set her sights on me. Two nights after the fire, she showed up at my rescue house  More

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Napa is a very easy place to live, especially for those contemplating retirement. The pace of life is peaceful. The weather is superb -- never miserably cold or hot but  More

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