Cost of Living Forum

AppleValleyLocal88 @applevalleylocal88
Joined: 9 months ago

Costs of Living in Apple Valley – Insights from a Long-Time Resident

Hey everyone, I’ve been living in Apple Valley for over 15 years now, and I’ve seen the cost of living fluctuate quite a bit during that time. I’m considering making some lifestyle changes soon, so I’m curious to get a fresh perspective on what current residents are paying for housing, groceries, transportation, healthcare, and other major expenses.

To provide some context, I’m a single professional in my mid-30s, working full-time and renting a modest 1-bedroom apartment. I don’t have kids, but I do have a car and try to lead an active lifestyle with gym memberships and occasional dining out or entertainment.

I’d love to hear from others in different life stages and situations about what monthly/yearly costs they’re looking at for things like rent, utilities, groceries, gas, insurance, etc. Any insights into areas where costs are higher or lower than expected would be super helpful too. Thanks in advance for sharing your experiences!

Posts: 17

10 Replies

FrugalFoodie92 @frugalfoodie92
Joined: 2 years ago

As someone who’s pretty careful with my food budget, I can give you a sense of what groceries tend to cost around here. Prices at places like Trader Joe’s and Aldi are pretty reasonable – I’d estimate around $300-400 per month for one person cooking most meals at home. Dining out can obviously add up quickly, but you can find some good deals at local spots during happy hours or weekday specials if you look around.

In terms of housing, rental rates have definitely gone up over the past few years. From what I’ve seen recently, a decent 1-bedroom apartment in a safe area is likely to run you $1,200-1,500 per month, not including utilities. The costs really depend on whether you want to be closer to downtown or live more in the suburbs.

Posts: 25
FamilyOf5FindingOurWay @familyof5findingourway
Joined: 2 years ago

Weighing in from the perspective of a family with 3 young kids – the costs can really pile up! Housing is by far our biggest expenditure, paying around $2,500 per month for a 3-bedroom rental house in a decent neighborhood with an HOA. On top of that, utilities (power, water, internet, etc.) tend to be another $400-500 per month for our family size.

Groceries are also a huge line item for us, likely $1,000+ per month to feed everyone with reasonably healthy foods from places like Costco, Sprouts, etc. We don’t eat out too often as a family, but when we do, even quick casual places can run over $60 for the 5 of us. Healthcare is another major cost between insurance premiums and out-of-pocket expenses for doctor visits and medications. Overall, it’s expensive raising a family here, but we make it work!

Posts: 19
SingleInTheSuburbs @singleinthesuburbs
Joined: 6 months ago

I think Apple Valley can be a relatively affordable place if you’re single and strategic about your spending. I rent a basic studio apartment on the outskirts of town for around $950 per month, which includes most utilities. My costs for groceries, gas, and other basics are probably $500-600 per month tops.

Where it can get pricey is with car costs – insurance, maintenance, gas for commuting, etc. – and entertainment/social spending. If you want to go out frequently for drinks, dinner, movies, concerts, etc. Those costs can really add up quickly. In my experience, $300+ per month for disposable fun money seems to go fast here. But you can definitely get by comfortably as a single person on $2,500-3,000 per month depending on your lifestyle.

Posts: 4
ActiveAVCouple @activeavcouple
Joined: 2 years ago

As an active couple in our late 20s with no kids yet, I’d say we fall somewhere in the middle cost-wise in Apple Valley. We pay $1,800 for a nice 2-bed 2-bath rental in a great neighborhood. Add another $300 for utilities like power, internet, etc. Groceries tend to run us $500-600 per month even cooking at home often.

Some of our bigger costs come from an active/social lifestyle – $150 for dual gym memberships, $60-80 for a couple of streaming services, and then probably $300-500 per month for dining out, concerts, vacations, etc. We’re able to manage it all comfortably on our dual incomes, but we’re certainly not ballin’ on a budget either. Apple Valley has enough going on that affording an active social life is very doable, but not necessarily cheap.

Posts: 22
HealthNutMama @healthnutmama
Joined: 11 months ago

For my family’s situation with 2 kids and a focus on healthy living, the costs in Apple Valley are a bit higher than some might expect. We pay $2,200 for a 3-bedroom rental home in a safe neighborhood with good schools. Groceries are easily $800-1,000 per month stocking up on organic produce, quality meats/dairy, etc. mostly from stores like Whole Foods and Sprouts.

We also pay $220 for a family gym membership to access pools, fitness classes, etc. And $320 per month for the kids’ after-school activities like sports, art classes, etc. Healthcare is another significant expense for our family with $800 monthly premiums for a good plan, plus co-pays and RX costs. It’s not cheap, but we prioritize living well!

Posts: 15
BrokeStudentSaving @brokestudentsaving
Joined: 2 years ago

As a college student just trying to get by in Apple Valley, I’ve learned to keep costs as low as possible! I split a cheap 2-bedroom apartment with a roommate at $675 for my portion of rent and utilities. Groceries are about $150/month shopping sales and sticking to basics.

I don’t have a car, so I take public transit when needed ($60 for a monthly bus pass) and supplement that with rideshares ($30-50/month). Textbooks and school fees are my biggest expenses each semester. Entertainment is cheap – mostly just Netflix, hiking, and the occasional $10 movie night. On a really tight budget of minimum wage and student loans, you can squeak by on $1,500/month here if you’re frugal.

Posts: 11
RetiredAVCoupleOnABudget @retiredavcoupleonabudget
Joined: 2 years ago

From a retiree’s perspective on a fixed income, Apple Valley has been manageable for us but we do have to watch spending closely. Our mortgage is paid off, but taxes, insurance, utilities and maintenance on our older 3-bedroom home still run about $1,500 monthly.

Groceries are around $400-500/month shopping mainly at affordable chains like Albertsons and Walmart. We don’t have car payments, but insurance, gas and regular maintenance is still probably $250/month. Healthcare is a big one – our Medicare supplemental insurance runs $600/month for the two of us. We stick to a pretty tight overall budget of under $3,000/month, which allows for the occasional splurge but not too much excess.

Posts: 16
LuxuryLivingLovers @luxurylivinglovers
Joined: 7 months ago

If you’re looking to live larger and take advantage of the amenities Apple Valley has to offer, be prepared for some seriously high costs! We recently bought a 4-bedroom house with a pool in a luxury gated community, and the mortgage, HOA fees, utilities, pool maintenance, etc. runs us around $6,500 per month.

Then you’ve got nice cars with payments, insurance, etc. – probably $1,200 per month for our two luxury vehicles. We spend liberally on grocery delivery from places like Whole Foods ($1,000+ monthly). The country club membership for golf, tennis, dining is $800 per month. And we go big on entertainment, traveling, designer clothing, you name it. Our monthly burn rate is easily $12,000+ per month to live this lifestyle in Apple Valley, but we’re fortunate to have the income to support it.

Posts: 24
GrindingToGetAhead @grindingtogetahead
Joined: 2 years ago

I moved to Apple Valley a few years ago to take advantage of the relatively low cost of living compared to coastal cities, but it’s still not cheap by any means if you’re trying to get ahead financially. I live pretty frugally, renting a 1-bed apartment for $1,325/month with fees and splitting groceries/household expenses with my girlfriend to keep our total housing/living costs under $2,000.

The bigger challenge is funding retirement accounts, paying off student loans, building any kind of meaningful savings, etc. on just our two entry-level incomes totaling around $80K before taxes. I freelance on the side for extra income when possible. Lots of personal tradeoffs and sacrifices to be made when you’re grinding your 20s/30s in an area with still pretty high living costs like Apple Valley.

Posts: 8
FIREDreamChasers @firedreamchasers
Joined: 2 years ago

My spouse and I are actively pursuing a path towards FIRE (Financial Independence/Retiring Early), so optimizing costs in Apple Valley is an ongoing priority for us. We live pretty frugally compared to our incomes, having paid off a modest condo ($1,300/month in HOA fees) and driven used cars for years.

Groceries are around $500/month cooking at home, and we keep entertainment/dining out under $300. Healthcare is our biggest line item at $1,100/month for quality insurance. Overall we live comfortably on about $3,500/month while banking the rest of our $200K+ household income to hopefully retire in our 40s. Apple Valley may be higher cost than other areas, but hitting FIRE is very possible if you make smart tradeoffs!

Posts: 9

Detailed Price Insights of Abilene, TX

  • Meal, Inexpensive Restaurant – 10.50 $
  • Meal for 2 People, Mid-range Restaurant, Three-course – 75.00 $
  • McMeal at McDonalds (or Equivalent Combo Meal) – 10.00 $
  • Domestic Beer (0.5 liter draught) – 6.00 $
  • Imported Beer (0.33 liter bottle) – 6.00 $
  • Cappuccino (regular) – 5.68 $
  • Coke/Pepsi (0.33 liter bottle) – 2.87 $
  • Water (0.33 liter bottle) – 1.25 $
  • Milk (regular), (1 liter) – 0.76 $
  • Loaf of Fresh White Bread (500g) – 2.20 $
  • Rice (white), (1kg) – 2.18 $
  • Eggs (regular) (12) – 3.62 $
  • Local Cheese (1kg) – 11.75 $
  • Chicken Fillets (1kg) – 14.12 $
  • Beef Round (1kg) (or Equivalent Back Leg Red Meat) – 13.21 $
  • Apples (1kg) – 4.39 $
  • Banana (1kg) – 2.00 $
  • Oranges (1kg) – 4.78 $
  • Tomato (1kg) – 6.36 $
  • Potato (1kg) – 3.16 $
  • Onion (1kg) – 3.63 $
  • Lettuce (1 head) – 2.28 $
  • Water (1.5 liter bottle) – 1.91 $
  • Bottle of Wine (Mid-Range) – 15.00 $
  • Domestic Beer (0.5 liter bottle) – 2.13 $
  • Imported Beer (0.33 liter bottle) – 3.91 $
  • Cigarettes 20 Pack (Marlboro) – 10.00 $
  • One-way Ticket (Local Transport) – 8.00 $
  • Taxi Start (Normal Tariff) – 5.00 $
  • Taxi 1km (Normal Tariff) – 1.09 $
  • Taxi 1hour Waiting (Normal Tariff) – 37.00 $
  • Gasoline (1 liter) – 0.91 $
  • Volkswagen Golf 1.4 90 KW Trendline (Or Equivalent New Car) – 32,946.00 $
  • Toyota Corolla Sedan 1.6l 97kW Comfort (Or Equivalent New Car) – 25,926.47 $
  • Basic (Electricity, Heating, Cooling, Water, Garbage) for 85m2 Apartment – 168.36 $
  • Mobile Phone Monthly Plan with Calls and 10GB+ Data – 50.00 $
  • Internet (60 Mbps or More, Unlimited Data, Cable/ADSL) – 59.67 $
  • Cinema, International Release, 1 Seat – 14.50 $
  • Preschool (or Kindergarten), Full Day, Private, Monthly for 1 Child – 1,160.00 $
  • International Primary School, Yearly for 1 Child – 24,406.67 $
  • 1 Pair of Jeans (Levis 501 Or Similar) – 42.50 $
  • 1 Summer Dress in a Chain Store (Zara, H&M, …) – 45.00 $
  • 1 Pair of Nike Running Shoes (Mid-Range) – 57.50 $
  • 1 Pair of Men Leather Business Shoes – 121.25 $
  • Mortgage Interest Rate in Percentages (%), Yearly, for 20 Years Fixed-Rate – 6.54
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