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WALNUT CREEK, DECEMBER 19, 2016: Main Street hosts many upscale shops including luxury department stores.

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What makes it so pricey?

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It comes down, in part, to The Golden States strong desirability factor.

Its got great weather, a robust jobs market and plenty of career opportunities.

GOBankingRates analyzed cities in California to find those that will struggle the most ifSocial Security benefitswere to be cut.

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Below, weve listed the top 15 cities that could suffer the most without these crucial benefits.

National City

14.

Thousand Oaks

13.

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Mission Viejo

12.

Monterey Park

11.

Fountain Valley

10.

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Cathedral City

9.

Indio

8.

Redding

7.

Menifee

6.

Hacienda Heights

5.

Novato

4.

Walnut Creek

3.

Lincoln

2.

Hemet

1.

First, GOBankingRates found cities in California using the U.S. Census American Community Survey.

Using this data, the percentage of the population ages 65 and over can be calculated.

Using the cost of living and mortgage costs, the total cost of living can be calculated.

The average single family home value was sourced from Zillow Home Value Index for August 2024.

The livability index was sourced from AreaVibes and included as supplemental information.

All data was collected on and is up to date as of Oct. 2, 2024.

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