San Francisco

San Francisco, California is a mid-size city with a population of approximately 808,988. The overall cost of living index sits at 181, which is significantly above the national average of 100. This means everyday expenses — housing, groceries, transportation, and healthcare — are roughly 81% more expensive compared to the typical U.S. city.

Housing is the largest cost driver in San Francisco. Median rent is $3,830 per month, while the median home price is $1,299,230. At a median household income of $141,446, rent consumes roughly 32% of gross income, which represents a moderate housing cost burden. The housing sub-index of 302 highlights significantly elevated shelter costs.

Beyond housing, healthcare is the most elevated non-shelter expense in San Francisco with a sub-index of 186, while utilities is comparatively more affordable at 166. State and local taxes also shape the true cost of living: California applies a 1330.0% income tax rate, and property tax averages 71.00% of assessed home value. The combined sales tax rate is 885.00%.

Over the past twelve months, the cost of living in San Francisco has remained relatively stable. Among the 61 tracked cities in California, San Francisco ranks #58 from most to least affordable. Whether you're evaluating a job offer, planning a relocation, or comparing salary purchasing power, these numbers give a grounded, data-backed view of what life in San Francisco actually costs.