Updated · 2026 tax rules · Data: IRS, BLS, BEA, HUD · How we calculate

Heating, Air Conditioning, and Refrigeration Mechanics and Installers Salary in San Francisco, CA

Heating, Air Conditioning, and Refrigeration Mechanics and Installers in the San Francisco-Oakland-Fremont, CA metro area earn a median $78,490 a year — 29% more than the national median. After 2026 taxes, that is $59,957 take-home, or $4,996 a month.

Median salary
$78,490
$37.74 per hour
Typical range
$49,180 – $129,380
10th to 90th percentile
Jobs in San Francisco, CA
3,980
0.64× national concentration
▲2.3%
Pay trend: The median for heating, air conditioning, and refrigeration mechanics and installers in San Francisco, CA rose from $76,760 (May 2024) to $78,490 (May 2025). That roughly kept pace with inflation (2.4%).

Take-home pay calculator

Pre-filled with the median heating, air conditioning, and refrigeration mechanics and installers salary in San Francisco, CA. Enter your own offer to see your paycheck.

Heating, Air Conditioning, and Refrigeration Mechanics and Installers in San Francisco, CA
Deductions, kids & local tax

2026 tax year. Federal brackets from IRS Rev. Proc. 2025-32.

Your take-home pay
$59,957
per year · effective tax rate 23.6%
$4,996Monthly
$2,498Twice a month
$2,306Every 2 weeks
$28.83Hourly
  • Federal income tax$8,438
  • Social Security (6.2%)$4,866
  • Medicare (1.45%)$1,138
  • California income tax$3,070
  • CA State Disability Insurance (SDI)$1,020
  • Take-home pay$59,957

Marginal rate: 22% federal + 9.30% state

Got an offer somewhere else? Compare it with this one after taxes and rent →

Heating, Air Conditioning, and Refrigeration Mechanics and Installers pay by experience in San Francisco, CA

PercentileSalaryHourlyTake-home / yrPer month
10th percentile (entry level)$49,180$23.64$40,057$3,338
25th percentile$61,930$29.77$49,370$4,114
Median (50th)$78,490$37.74$59,957$4,996
75th percentile$101,870$48.98$73,927$6,161
90th percentile (top earners)$129,380$62.20$90,213$7,518

Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, California resident, 2026 tax rules.

What $78,490 buys in San Francisco, CA

Prices in San Francisco, CA are 15.6% higher than the U.S. average (housing costs are 1.95× the national average). Adjusted for local prices, a median heating, air conditioning, and refrigeration mechanics and installers's $59,957 take-home pay has the buying power of $51,860 in a typical American city.

1-bedroom rent
$2,620
52% of monthly take-home
2-bedroom rent
$3,187
64% of monthly take-home
Left after 1-BR rent
$2,376
per month for everything else

Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.

Heating, Air Conditioning, and Refrigeration Mechanics and Installers jobs are less concentrated in San Francisco, CA than nationally (location quotient 0.64), so openings may be scarcer.

Best-paying cities for heating, air conditioning, and refrigeration mechanics and installers, adjusted for cost of living

San Francisco, CA ranks #17 of 41 metro areas once taxes and local prices are taken into account.

#Metro areaMedian salaryTake-homeReal value*
1Seattle, WA $80,100$65,180$58,651
2Chicago, IL $77,960$59,961$57,880
3Minneapolis, MN $77,490$59,598$56,857
4Boston, MA $78,530$60,369$55,760
5Columbus, OH $64,440$52,968$55,482
6Cleveland, OH $62,790$51,687$55,032
7Kansas City, MO $62,680$50,535$54,607
8Cincinnati, OH $62,240$51,261$53,749
17San Francisco, CA$78,490$59,957$51,860

*Take-home pay divided by the BEA price level, so every city is measured in U.S.-average dollars. See all 41 metros →

About the job: heating, air conditioning, and refrigeration mechanics and installers

Install or repair heating, central air conditioning, HVAC, or refrigeration systems, including oil burners, hot-air furnaces, and heating stoves.

Typical education
Postsecondary nondegree award
Work experience
None required
On-the-job training
Long-term on-the-job training
Job outlook, 2025–35
+10.9% (much faster than average)

Source: BLS Standard Occupational Classification and Employment Projections, 2025–35.

Heating, Air Conditioning, and Refrigeration Mechanics and Installers salaries elsewhere in California

Frequently asked questions

How much does a heating, air conditioning, and refrigeration mechanics and installers make in San Francisco, CA?

The median heating, air conditioning, and refrigeration mechanics and installers salary in the San Francisco-Oakland-Fremont, CA metro area is $78,490 a year, or about $37.74 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $61,930 and $101,870.

What is a heating, air conditioning, and refrigeration mechanics and installers’s take-home pay in San Francisco, CA?

On the median $78,490 salary, a single filer living in California takes home about $59,957 a year ($4,996 a month) after federal tax, Social Security, Medicare and $4,090 in California taxes in 2026.

Is San Francisco, CA a good place to work as a heating, air conditioning, and refrigeration mechanics and installers?

Pay here is 29% above the national median of $61,010. Local prices are 15.6% above the U.S. average, so the take-home pay buys what $51,860 would in a typical U.S. city. San Francisco, CA ranks #17 of 41 metro areas for cost-of-living-adjusted pay in this job.

Can a heating, air conditioning, and refrigeration mechanics and installers afford rent in San Francisco, CA?

HUD’s fair market rent for a one-bedroom in San Francisco, CA is $2,620 a month ($3,187 for two bedrooms) — 52% of a median heating, air conditioning, and refrigeration mechanics and installers’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.

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