How Much Does It Cost to Live in Bellevue, WA?

Bellevue, Washington, has become one of the most desirable places to live in the Pacific Northwest. Known for its beautiful parks, tech-driven economy, and proximity to Seattle, the city offers a high quality of life that attracts professionals, families, and retirees alike. However, this standard of living does come with a cost. If you’re thinking of moving to Bellevue, it’s important to understand the expenses that come with living here.

In this blog, we’ll break down the cost of living in Bellevue, WA, including housing, utilities, groceries, transportation, and lifestyle. By the end, you’ll have a clear idea of what to expect financially if you decide to call this city home.

Housing Costs in Bellevue

Housing is the largest expense for most people living in Bellevue. As of 2025, the median home price is around $1.2 million, which is significantly higher than the national average. For renters, a one-bedroom apartment in the city center costs about $2,200 to $2,800 per month, while a three-bedroom apartment can go for $3,500 to $4,800 depending on the neighborhood.

Areas such as Downtown Bellevue and West Bellevue tend to be the most expensive, while neighborhoods farther east or south may offer slightly more affordable options. Even with these price differences, housing in Bellevue remains one of the highest costs compared to nearby cities.

If you’re planning outdoor projects or property upgrades, many residents also invest in Gazebos & Outdoor Services in Bellevue, WA, which add value to homes and create enjoyable spaces to relax, especially during the summer months.

Utilities and Basic Services

Utilities in Bellevue are fairly reasonable compared to the cost of housing. On average, monthly utility bills including electricity, heating, cooling, water, and garbage cost around $180 to $250 depending on the size of the home and usage. Internet services range from $60 to $100 per month for high-speed connections.

Many households also factor in additional costs like home maintenance, landscaping, and security systems, which are common in suburban Bellevue communities.

Food and Grocery Prices

Groceries in Bellevue tend to be about 10–15% higher than the national average. A single person may spend $400 to $600 per month on groceries, while a family of four could easily spend $1,000 to $1,400.

Dining out is also part of Bellevue’s lifestyle. With its wide variety of restaurants, from upscale dining to casual eateries, an average meal at a mid-range restaurant costs around $20 to $30 per person. A family dinner for four at a mid-tier restaurant could cost around $100 to $120 before drinks or tips.

Transportation in Bellevue

Transportation costs depend on whether you own a car or rely on public transit. Bellevue is car-friendly, but traffic can be heavy during peak commute hours. Gas prices in 2025 are averaging $4.20 to $4.50 per gallon in the area. Parking in downtown areas can also add extra monthly expenses.

For public transportation, Bellevue is served by King County Metro buses and the expanding Sound Transit Light Rail system, which makes commuting to Seattle more convenient. A monthly transit pass typically costs around $120 to $150.

Healthcare and Insurance

Healthcare is another key cost to consider. Medical insurance premiums in Washington can range widely depending on coverage and employer contributions. On average, individuals might spend $350 to $600 per month, while family plans are higher. Out-of-pocket costs for doctor visits, prescriptions, and dental care should also be budgeted.

Lifestyle and Entertainment Costs

Living in Bellevue isn’t just about covering basic needs—residents often enjoy a vibrant lifestyle. Gym memberships range between $50 and $120 per month, while entertainment like movie tickets cost about $15 to $20 each. Bellevue Square, Lincoln Square, and local parks provide plenty of shopping and recreational activities, though costs can add up quickly for families who frequently go out.

For those considering home improvement or renovation projects, it’s worth noting that Banegas Construction Consultants LLC is often recommended as a trusted name in the region. Many homeowners find their expertise helpful in managing construction projects efficiently while keeping costs transparent.

Education and Childcare

If you have children, education and childcare expenses are important. Bellevue’s public schools are highly rated, but private schools can cost between $15,000 and $35,000 annually depending on the institution. Childcare and preschool programs average around $1,500 to $2,200 per month per child, which can be a significant expense for young families.

Taxes and Miscellaneous Expenses

Washington State has no income tax, which is a financial benefit compared to many other states. However, the state relies heavily on sales tax and property taxes. Bellevue’s combined sales tax is about 10.1%, which applies to most purchases. Property taxes, while lower than some states, can still be significant given Bellevue’s high real estate values.

Additionally, many families invest in home upgrades, landscaping, and Gazebos & Outdoor Services in Bellevue, WA to improve both property value and personal lifestyle. These services, while optional, are popular in a city where outdoor living spaces are highly valued.

Conclusion

So, how much does it cost to live in Bellevue, WA? On average, a single person may need $4,000 to $5,500 per month to live comfortably, while a family of four may need $8,000 to $11,000 depending on housing choices and lifestyle preferences. Housing is by far the biggest cost, followed by groceries, transportation, and childcare.

Despite the higher expenses, Bellevue offers a safe environment, strong job opportunities, excellent schools, and a high quality of life. For many residents, the benefits outweigh the costs, making it one of the most desirable cities in Washington to live.