Cost of Living Breakdown
The cost of living in San Francisco, CA is 145% higher than the national average. Here's how each category compares:
| Category | Index | vs National Avg |
|---|---|---|
| Overall | 245 | +145% |
| Housing | 410 | +310% |
| Groceries | 118 | +18% |
| Utilities | 130 | +30% |
| Transportation | 135 | +35% |
| Healthcare | 115 | +15% |
Housing Costs in San Francisco
Housing is typically the largest expense. In San Francisco, the housing index is 410 (national average = 100).
- Median home price: $1,350,000
- Median rent (1 bedroom): $3,200/month
- Median rent (2 bedrooms): $4,300/month
- Annual rent (1BR): $38,400/year
Housing in San Francisco is significantly more expensive than average. Consider our mortgage calculator to understand what you can afford.
How Much Do You Need to Earn in San Francisco?
To maintain the equivalent of a $50,000 salary at the national average cost of living, you would need to earn approximately $122,500 in San Francisco. The median household income of $126,187 translates to a monthly budget of approximately $10,516.
Groceries & Everyday Expenses
The grocery index in San Francisco is 118. Expect to pay noticeably more for groceries compared to the national average.
Transportation & Utilities
Transportation costs sit at an index of 135, while utilities come in at 130. Getting around San Francisco tends to be more expensive, including gas, insurance, and public transit.
Healthcare
Healthcare costs in San Francisco are indexed at 115. Healthcare is pricier than average — factor this into your budget when comparing cities.
Compare to California
See statewide salary and tax data on our average salary in California page. Also see income data for this city on our average salary in San Francisco page.
Financial Tools
Use our free calculators to plan your finances in San Francisco:
- Mortgage Calculator — estimate your monthly home payment
- Home Affordability Calculator — see how much house you can afford
- Salary Calculator — convert hourly to annual pay
- Savings Goal Calculator — plan for your move or down payment