Cost of living in San Francisco, CA
4,630,041 people (Census 2025 estimate). Overall prices are 15.6% above the US average, with housing at 194.7 on BEA’s index (US = 100). A single renter on $60,000 keeps −$839 a month after 2026 taxes and modeled costs.
Typical household budgets in San Francisco, CA
Computed by MoveMath’s engine with 2026 tax law, HUD Fair Market Rent for the bedrooms each household needs, DOL 2022 childcare prices for San Francisco County, CA in current dollars, USDA Moderate-Cost food, one car per adult and $1,000 a month of other spending at US-average prices scaled by local price levels.
| Per month | Single, $60k | Couple + toddler, $110k | Family of four, $136,027 |
|---|---|---|---|
| Gross income | $5,000 | $9,167 | $11,336 |
| Taxes | $997 | $1,545 | $1,939 |
| Take-home pay | $4,003 | $7,622 | $9,396 |
| Housing | $3,003 | $3,697 | $3,697 |
| Childcare | $0 | $2,296 | $4,845 |
| Food | $478 | $1,072 | $1,391 |
| Transportation | $249 | $498 | $498 |
| Sales tax | $39 | $39 | $39 |
| Other goods & services | $1,073 | $1,073 | $1,073 |
| Left over | −$839 | −$1,054 | −$2,148 |
Family of four = two adults, a preschooler and a school-age child at the metro’s median household income ($136,027). Click a column to open it in the budget planner and change any input.
Price levels: San Francisco, CA vs California and the US
BEA Regional Price Parities, 2024. 100 = US average; bars compare the metro (dark) with California statewide (light).
Within California, San Francisco, CA ranks 1st of 25 metros on overall prices; the state as a whole is at 110.7. The dashed line marks the US average.
Rent and homeownership
| Unit | HUD Fair Market Rent | Income needed at 30% | Share of median income |
|---|---|---|---|
| Studio | $2,574 | $102,960 | 22.7% |
| 1-bedroom | $3,003 | $120,120 | 26.5% |
| 2-bedroom | $3,697 | $147,880 | 32.6% |
| 3-bedroom | $4,832 | $193,280 | 42.6% |
| 4-bedroom | $5,439 | $217,560 | 48.0% |
FY2027 FMRs for San Francisco, CA HUD Metro FMR Area: 40th-percentile gross rent (rent + tenant-paid utilities) for standard-quality units. Census median gross rent, all unit sizes: $2,474 (ACS 2020-2024).
Childcare prices in San Francisco County, CA
| Age band | Center, weekly (2022) | Center, yearly today* | Home-based, weekly (2022) | Home-based, yearly today* |
|---|---|---|---|---|
| Infant (under 2) | $607 | $38,559 | $395 | $25,131 |
| Toddler (2) | $433 | $27,552 | $369 | $23,474 |
| Preschool (3–4) | $477 | $30,323 | $410 | $26,039 |
| School-age (5–12) | $438 | $27,818 | $433 | $27,532 |
DOL National Database of Childcare Prices, 2022 county medians for full-time care in San Francisco County, CA (the metro’s principal county). *52 weeks × 1.2224, the BLS CPI change for day care and preschool from the 2022 average to 2026-08.
Taxes: what you keep in San Francisco
| Single filer, 2026 | $50,000 | $75,000 | $120,000 |
|---|---|---|---|
| Federal income tax | $3,820 | $7,670 | $17,570 |
| Social Security + Medicare | $3,825 | $5,738 | $9,180 |
| California income tax | $973 | $2,665 | $6,771 |
| California payroll taxes | $650 | $975 | $1,560 |
| Take-home pay / month | $3,394 | $4,829 | $7,077 |
| Share of pay to taxes | 18.5% | 22.7% | 29.2% |
No mandatory local income tax for residents of San Francisco in our data. State sales tax: 7.25% (state rate only; local rates add on), groceries exempt.
Calculate take-home pay for your household in San Francisco, CA
Energy and fuel
EIA: electricity 2025, natural gas 2024, gasoline week ending 2026-10-05. Renters’ utilities are already inside gross rent.
Nearby metros
| Metro | Distance | Price level | 2-BR FMR | Single $60k left over |
|---|---|---|---|---|
| San Francisco, CA | — | 115.6 | $3,697 | −$839 |
| Vallejo, CA · compare | 49 mi | 108.5 | $2,342 | $349 (+$1,189) |
| Santa Rosa, CA · compare | 53 mi | 107.8 | $2,819 | $70 (+$910) |
| Napa, CA · compare | 56 mi | 112.6 | $3,375 | −$355 (+$485) |
| San Jose, CA · compare | 73 mi | 110.4 | $3,272 | −$553 (+$287) |
| Santa Cruz, CA · compare | 76 mi | 109.9 | $4,254 | −$1,165 (−$325) |
| Stockton, CA · compare | 96 mi | 105.1 | $2,015 | $597 (+$1,437) |
Common moves to and from San Francisco, CA
Census ACS metro-to-metro migration flows (ACS 5-year 2016-2020), people who moved in a year.
- San Jose, CA20,299
- Los Angeles, CA18,945
- Sacramento, CA18,698
- Stockton, CA10,444
- Vallejo, CA9,550
- New York, NY-NJ6,923
- Santa Rosa, CA6,200
- San Diego, CA6,128
- San Jose, CA30,099
- Los Angeles, CA20,222
- Sacramento, CA10,045
- New York, NY-NJ9,381
- San Diego, CA6,534
- Vallejo, CA4,382
- Chicago, IL-IN4,007
- Seattle, WA3,853
Frequently asked questions
Is San Francisco, CA expensive to live in?+
BEA’s Regional Price Parities put overall prices in the San Francisco, CA metro at 115.6 (US = 100) in 2024 — 15.6% above the national average and the 1st highest of 387 metros. Housing is 194.7, goods 108.5.
What salary do you need to live in San Francisco, CA?+
A single renter earning $60,000 keeps $4,003 a month after 2026 taxes and has −$839 left after rent at HUD Fair Market Rent, food, fuel, sales tax and other modeled costs. Use the cost of living calculator to find the salary that matches your current budget.
How much is rent in San Francisco, CA?+
HUD’s FY2027 Fair Market Rent — the 40th-percentile gross rent including utilities — is $3,003 for a 1-bedroom and $3,697 for a 2-bedroom. The Census median gross rent for all units is $2,474.
Does San Francisco have a local income tax?+
No mandatory local income tax applies to residents of San Francisco in our 2026 data. California state income tax does apply.