Cost of Living in San Francisco, CA
San Francisco-Oakland-Fremont, CA — prices, rents and what jobs really pay here after taxes.
Salary comparison calculator
What would you need to earn in San Francisco, CA to keep the same lifestyle — after taxes — as in another city?
How expensive is San Francisco, CA?
With a price level of 115.6 (U.S. average = 100), San Francisco, CA is one of the most expensive places in the country. In detail, housing costs run 95% above average; everyday goods run 8% above average; utilities run 73% above average; other services such as healthcare and dining run 6% above average. The biggest difference from the national average is in housing.
Prices in San Francisco, CA vs. the U.S. average
| Category | Index (U.S. = 100) | Difference |
|---|---|---|
| All items | 115.6 | +15.6% |
| Housing | 194.7 | +94.7% |
| Goods | 108.5 | +8.5% |
| Utilities | 172.6 | +72.6% |
| Other services | 106.2 | +6.2% |
Source: BEA Regional Price Parities, 2024.
Rent in San Francisco, CA
| Unit | Monthly rent | Income needed (30% rule) |
|---|---|---|
| Studio | $2,278 | $91,120/yr |
| 1 bedroom | $2,620 | $104,800/yr |
| 2 bedrooms | $3,187 | $127,480/yr |
| 3 bedrooms | $4,074 | $162,960/yr |
| 4 bedrooms | $4,556 | $182,240/yr |
HUD Fair Market Rents, FY2026, population-weighted across the metro's counties.
Salary needed to live in San Francisco, CA
To keep the same standard of living as in an average-priced U.S. city, you would need to earn roughly:
| Salary in an average U.S. city | Equivalent in San Francisco, CA | Take-home here |
|---|---|---|
| $40,000 | $46,200 | $37,864 |
| $60,000 | $69,400 | $54,411 |
| $80,000 | $92,500 | $68,328 |
| $100,000 | $115,600 | $82,131 |
| $150,000 | $173,400 | $115,634 |
Scaled by the BEA price level (pre-tax). Take-home: single filer, California 2026 taxes. For a tax-aware comparison with a specific city, use the calculator above.
A monthly budget on the median wage
A single worker earning San Francisco, CA's median wage of $74,260 takes home about $4,781 a month. A typical one-bedroom rents for $2,620, which is 55% of take-home pay — well above the 30% guideline, so many workers here share housing or rent smaller units. That leaves about $2,161 a month for everything else.
Take-home pay in San Francisco, CA
- Federal income tax$7,507
- Social Security (6.2%)$4,604
- Medicare (1.45%)$1,077
- California income tax$2,729
- CA State Disability Insurance (SDI)$965
- Take-home pay$57,378
Marginal rate: 22% federal + 8.00% state
Highest-paying jobs in San Francisco, CA
| Job | Median salary | Take-home | Real value* |
|---|---|---|---|
| Airline Pilots, Copilots, and Flight Engineers | $239,200+ | $226,477 | $195,893 |
| Health Specialties Teachers, Postsecondary | $239,200+ | $217,389 | $188,032 |
| Physicians, All Other | $239,200+ | $184,671 | $159,732 |
| Chief Executive | $239,200+ | $181,719 | $157,179 |
| Computer and Information Systems Manager | $232,890 | $151,493 | $131,034 |
| Natural Sciences Manager | $225,230 | $147,276 | $127,387 |
| Architectural and Engineering Manager | $221,580 | $145,266 | $125,649 |
| Marketing Manager | $220,480 | $144,661 | $125,125 |
| Nurse Practitioner | $219,080 | $143,890 | $124,458 |
| Financial Manager | $216,150 | $142,139 | $122,944 |
| Lawyer | $212,500 | $139,838 | $120,953 |
| Managers, All Other | $210,080 | $138,312 | $119,634 |
| Human Resources Manager | $209,340 | $137,845 | $119,230 |
| Computer Hardware Engineer | $203,890 | $134,409 | $116,258 |
| Software Developer | $186,640 | $123,413 | $106,747 |
| Registered Nurse | $186,610 | $123,394 | $106,730 |
| Pharmacist | $177,410 | $117,950 | $102,021 |
| Sales Manager | $170,810 | $114,138 | $98,725 |
| Data Scientist | $170,110 | $113,734 | $98,375 |
| Computer Network Architect | $166,760 | $111,799 | $96,701 |
*In U.S.-average dollars after adjusting for local prices.
Pay and living costs in California cities
Half of California’s 18,213,700 workers earn less than $58,240 a year and half earn more; the middle 50% earn $41,600–$97,880 (BLS, May 2025). Prices vary a lot within the state: San Jose, CA stretches a paycheck furthest, while Salinas, CA is the costliest.
| Metro area | Median pay | Price level | 1-BR rent | Rent share | Left after rent / mo | Buying power* |
|---|---|---|---|---|---|---|
| Los Angeles, CA | $55,850 | 113.6 | $2,245 | 60% | $1,499 | $39,562 |
| San Francisco, CA | $74,260 | 115.6 | $2,620 | 55% | $2,161 | $49,629 |
| Riverside, CA | $48,400 | 106.4 | $1,777 | 54% | $1,514 | $37,097 |
| San Diego, CA | $58,690 | 111.9 | $2,459 | 63% | $1,458 | $42,010 |
| San Jose, CA | $84,050 | 110.4 | $2,957 | 56% | $2,316 | $57,306 |
| Sacramento, CA | $59,750 | 106.7 | $1,812 | 46% | $2,169 | $44,790 |
| Fresno, CA | $46,910 | 102.2 | $1,315 | 41% | $1,885 | $37,586 |
| Bakersfield, CA | $47,470 | 100.9 | $1,140 | 35% | $2,094 | $38,467 |
| Oxnard, CA | $52,510 | 110.5 | $2,250 | 64% | $1,291 | $38,440 |
| Stockton, CA | $48,990 | 105.1 | $1,395 | 42% | $1,931 | $37,985 |
| Santa Rosa, CA | $56,850 | 107.8 | $2,155 | 57% | $1,650 | $42,362 |
| Santa Maria, CA | $51,690 | 108.8 | $2,746 | 79% | $745 | $38,503 |
| Modesto, CA | $50,610 | 104.1 | $1,356 | 40% | $2,069 | $39,479 |
| Salinas, CA | $47,380 | 109.0 | $2,232 | 69% | $996 | $35,529 |
| Visalia, CA | $45,130 | 99.8 | $1,123 | 36% | $1,965 | $37,126 |
*Yearly take-home pay (on each metro’s median wage, single filer) in U.S.-average dollars. Price level: BEA RPP 2024 (U.S. = 100). Rent: HUD FY2026 one-bedroom fair market rent.
San Francisco, CA vs. similar-size cities
| Metro area | Price level | 1-BR rent | Median wage | Jobs |
|---|---|---|---|---|
| San Francisco, CA | 115.6 | $2,620 | $74,260 | 2,373,920 |
| Phoenix, AZ | 103.3 | $1,583 | $51,380 | 2,375,760 |
| Seattle, WA | 111.1 | $2,022 | $72,610 | 2,086,210 |
| Boston, MA | 108.3 | $2,276 | $66,620 | 2,703,890 |
| Minneapolis, MN | 104.8 | $1,396 | $59,320 | 1,951,650 |
| Miami, FL | 114.2 | $1,942 | $48,640 | 2,819,940 |
| Detroit, MI | 100.3 | $1,128 | $52,080 | 1,904,530 |
Frequently asked questions
Is San Francisco, CA expensive to live in?
According to the Bureau of Economic Analysis, overall prices in the San Francisco-Oakland-Fremont, CA metro area are 115.6% of the U.S. average, with housing at 194.7%. It is the #1 most expensive of 387 metro areas we track.
What salary do you need to live in San Francisco, CA?
To match the buying power of a $60,000 salary in an average-priced U.S. city you would need about $69,368 in San Francisco, CA (before tax differences). The median wage across all jobs here is $74,260.
Can you afford San Francisco, CA on the median wage?
A single worker on the $74,260 median wage takes home about $4,781 a month after 2026 taxes; a one-bedroom at $2,620 would take 55% of that.
How much is rent in San Francisco, CA?
HUD’s FY2026 fair market rents for San Francisco, CA are $2,278 for a studio, $2,620 for one bedroom, $3,187 for two bedrooms and $4,074 for three bedrooms, including utilities.
Top salaries by field in San Francisco, CA
Management Occupations
- Chief Executive — $239,200+
- Computer and Information Systems Manager — $232,890
- Natural Sciences Manager — $225,230
- Architectural and Engineering Manager — $221,580
- Marketing Manager — $220,480
- Financial Manager — $216,150
- Managers, All Other — $210,080
- Human Resources Manager — $209,340
Business and Financial Operations Occupations
- Personal Financial Advisor — $160,610
- Project Management Specialist — $135,040
- Financial and Investment Analyst — $130,520
- Management Analyst — $126,730
- Market Research Analyst and Marketing Specialist — $123,250
- Compliance Officer — $118,890
- Accountant and Auditor — $110,730
- Claims Adjusters, Examiners, and Investigators — $105,340
Computer and Mathematical Occupations
- Software Developer — $186,640
- Data Scientist — $170,110
- Computer Network Architect — $166,760
- Web and Digital Interface Designer — $163,810
- Information Security Analyst — $162,310
- Computer Occupations, All Other — $161,700
- Software Quality Assurance Analyst and Tester — $134,630
- Computer Systems Analyst — $134,460
Architecture and Engineering Occupations
- Computer Hardware Engineer — $203,890
- Electrical Engineer — $166,030
- Mechanical Engineer — $161,370
- Engineers, All Other — $159,800
- Industrial Engineer — $132,230
- Civil Engineer — $130,160
- Architects, Except Landscape and Naval — $126,550
Life, Physical, and Social Science Occupations
- Medical Scientists, Except Epidemiologists — $160,180
- Biological Scientists, All Other — $138,160
- Occupational Health and Safety Specialist — $126,860
- Biological Technician — $95,220
Community and Social Service Occupations
- Healthcare Social Worker — $99,640
- Educational, Guidance, and Career Counselors and Advisors — $94,600
- Child, Family, and School Social Workers — $72,020
- Substance Abuse, Behavioral Disorder, and Mental Health Counselors — $68,400
- Community and Social Service Specialists, All Other — $68,390
- Social and Human Service Assistant — $57,580
Legal Occupations
- Lawyer — $212,500
- Paralegal and Legal Assistant — $84,030
Educational Instruction and Library Occupations
- Health Specialties Teachers, Postsecondary — $239,200+
- Special Education Teachers, Kindergarten and Elementary School — $105,290
- Secondary School Teachers, Except Special and Career/Technical Education — $102,880
- Elementary School Teachers, Except Special Education — $101,860
- Postsecondary Teachers, All Other — $82,620
- Middle School Teachers, Except Special and Career/Technical Education — $81,100
- Teachers and Instructors, All Other — $79,250
- Educational Instruction and Library Workers, All Other — $75,420
Arts, Design, Entertainment, Sports, and Media Occupations
- Art Director — $165,210
- Producer and Director — $130,640
- Public Relations Specialist — $102,520
- Graphic Designer — $92,050
- Coach and Scout — $54,770
Healthcare Practitioners and Technical Occupations
- Physicians, All Other — $239,200+
- Nurse Practitioner — $219,080
- Registered Nurse — $186,610
- Pharmacist — $177,410
- Dental Hygienist — $146,760
- Physical Therapist — $141,980
- Radiologic Technologist and Technician — $141,780
- Licensed Practical and Licensed Vocational Nurse — $94,310
Healthcare Support Occupations
- Dental Assistant — $64,390
- Medical Assistant — $59,790
- Nursing Assistant — $56,080
- Home Health and Personal Care Aide — $35,950
Protective Service Occupations
- Police and Sheriff's Patrol Officer — $132,000
- Firefighter — $113,700
- Security Guard — $45,730
- Protective Service Workers, All Other — $44,490
Food Preparation and Serving Related Occupations
- Chef and Head Cook — $68,970
- First-Line Supervisor of Food Preparation and Serving Workers — $51,520
- Cooks, Institution and Cafeteria — $49,140
- Cooks, Fast Food — $46,670
- Cooks, Restaurant — $46,030
- Cooks, Short Order — $45,790
- Food Servers, Nonrestaurant — $44,710
- Fast Food and Counter Worker — $43,870
Building and Grounds Cleaning and Maintenance Occupations
- First-Line Supervisor of Housekeeping and Janitorial Workers — $70,400
- Landscaping and Groundskeeping Worker — $48,040
- Maid and Housekeeping Cleaner — $46,590
- Janitors and Cleaners, Except Maids and Housekeeping Cleaners — $44,180
Personal Care and Service Occupations
- Exercise Trainer and Group Fitness Instructor — $61,000
- Recreation Worker — $46,290
- Childcare Worker — $44,540
- Animal Caretaker — $43,640
- Hairdressers, Hairstylists, and Cosmetologists — $42,400
- Manicurist and Pedicurist — $41,600
- Amusement and Recreation Attendant — $40,140
Sales and Related Occupations
- Sales Representatives, Wholesale and Manufacturing, Technical and Scientific Products — $130,710
- First-Line Supervisor of Non-Retail Sales Workers — $105,130
- Securities, Commodities, and Financial Services Sales Agents — $102,290
- Sales Representatives of Services, Except Advertising, Insurance, Financial Services, and Travel — $96,960
- Insurance Sales Agent — $95,640
- Sales Representatives, Wholesale and Manufacturing, Except Technical and Scientific Products — $93,100
- Sales and Related Workers, All Other — $60,050
- First-Line Supervisor of Retail Sales Workers — $58,950
Office and Administrative Support Occupations
- Executive Secretary and Executive Administrative Assistant — $105,190
- First-Line Supervisor of Office and Administrative Support Workers — $88,560
- Eligibility Interviewers, Government Programs — $82,960
- Legal Secretary and Administrative Assistant — $79,410
- Production, Planning, and Expediting Clerks — $76,900
- Billing and Posting Clerk — $66,390
- Bookkeeping, Accounting, and Auditing Clerks — $65,530
- Insurance Claim and Policy Processing Clerk — $64,260
Construction and Extraction Occupations
- Construction and Building Inspector — $125,130
- Operating Engineer and Other Construction Equipment Operator — $124,750
- First-Line Supervisor of Construction Trades and Extraction Workers — $120,810
- Electrician — $92,830
- Carpenter — $89,200
- Drywall and Ceiling Tile Installer — $82,160
- Plumbers, Pipefitters, and Steamfitters — $77,880
- Cement Mason and Concrete Finisher — $75,970
Installation, Maintenance, and Repair Occupations
- First-Line Supervisors of Mechanics, Installers, and Repairers — $102,360
- Mobile Heavy Equipment Mechanics, Except Engines — $95,410
- Industrial Machinery Mechanic — $90,580
- Heating, Air Conditioning, and Refrigeration Mechanics and Installers — $78,490
- Automotive Body and Related Repairer — $76,740
- Automotive Service Technician and Mechanic — $76,030
- Maintenance and Repair Workers, General — $63,630
- Installation, Maintenance, and Repair Workers, All Other — $58,140
Production Occupations
- First-Line Supervisor of Production and Operating Workers — $91,500
- Inspectors, Testers, Sorters, Samplers, and Weighers — $62,340
- Miscellaneous Assembler and Fabricator — $60,250
- Electrical, Electronic, and Electromechanical Assemblers, Except Coil Winders, Tapers, and Finishers — $56,400
- Baker — $46,600
- Butcher and Meat Cutter — $46,490
- Packaging and Filling Machine Operator and Tender — $46,310
Transportation and Material Moving Occupations
- Airline Pilots, Copilots, and Flight Engineers — $239,200+
- Flight Attendant — $89,430
- Bus Drivers, Transit and Intercity — $78,900
- First-Line Supervisors of Transportation and Material Moving Workers, Except Aircraft Cargo Handling Supervisors — $73,950
- Bus Drivers, School — $73,680
- Heavy and Tractor-Trailer Truck Driver — $66,450
- Industrial Truck and Tractor Operator — $59,240
- Light Truck Driver — $50,820