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Crunching costs, sorting signals, rendering insights.
Crunching costs, sorting signals, rendering insights.
Premium market, smart picks: while the market trends above the national average, the gap between the most and least expensive cities here is wider than you'd think. San Francisco at index 224 — a detail that tends to get overlooked — is the standout — offering meaningful savings without leaving a d…
Premium market, smart picks: while the market trends above the national average, the gap between the most and least expensive cities here is wider than you'd think. San Francisco at index 224 — a detail that tends to get overlooked — is the standout — offering meaningful savings without leaving a desirable market.
A closer look at San Francisco: the cost index of 224 breaks down to a Healthcare index of 125 (strongest category) and a Housing index of 224 (weakest). Median rent is $3,830/month — 102% above the national median — while household income sits at $141,446, meaning locals spend about 32% of income on rent. That exceeds the recommended 30% threshold — affordability here depends on earning above the median.
Bottom line: San Francisco, CA leads this ranking for clear, data-backed reasons — but the "best" city depends on your priorities. Click into any city below to see the full detail page with 12-month trend charts, profession-specific salary data, and a breakdown of all five cost categories. If you're seriously considering a move, use our salary calculator to model your specific income against these numbers. There's an argument to be made — and I think the data supports it — that the cities getting all the attention right now are exactly the wrong places to move. The spotlight drives migration, migration drives demand, demand drives costs, and eventually the value proposition disappears. Meanwhile, cities like this one keep quietly being affordable, and the people who find them early are the ones who benefit most.
#1 Ranked: San Francisco, CA — cost index 224, rent $3,830/mo, income $141,446
San Francisco rent up 13% over the past year
1 of 2 cities come in below the national cost-of-living average of 111
Data sourced from Census Bureau, Zillow, BLS, and Tax Foundation — current as of 2026
| Rank | City | Cost Index | Median Rent | |
|---|---|---|---|---|
| 1 | San FranciscoCA | 224 | $3,830 | Details |
| 2 | DenverCO | 106 | $1,818 | Details |
808,988 residents · California
The #1 spot goes to San Francisco, and the breakdown explains why. Renters here pay $3,830/month — we had to double-check this one — — costing renters $23,220 more per year compared to the national average. Meanwhile, Healthcare is the standout at index 125, keeping costs manageable. The weak spot? Housing at 224. The 32% rent-to-income ratio is a pressure point — for median earners, housing takes more than recommended.
716,577 residents · Colorado
What does daily life actually cost in Denver? Start with the 24% rent-to-income ratio — that's the kind of margin that lets people build savings. On the category level, Healthcare (index 101) is where the real savings show up, while Housing (index 106) is the line item most likely to surprise newcomers. Income at $91,681 and homes at $530,920 round out a profile that ranks #2 for clear reasons.
Our cost of living index uses real Zillow rent data as the foundation, indexed to 100 (national median). Sub-categories (housing, food, transport, utilities, healthcare) are derived from the overall index with regional adjustments. Data is updated monthly.
San Francisco (ranked #1) has a cost index of 224 and rent of $3,830/mo, while Denver (ranked #2) has a cost index of 106 and rent of $1,818/mo — a 118-point difference in cost of living.
City data is refreshed monthly from Census Bureau population estimates, Zillow rent and home price indices, BLS salary data, and Tax Foundation tax rates. Last updated: 2026.
The median 1-bedroom rent in San Francisco is $3,830/month as of 2026, based on Zillow's Observed Rent Index. This is $1,935 above the national median of $1,895/month.
The median home price in San Francisco is $1,299,230, which is 9.2× the local median income. Most median-income households would stretch to buy at this ratio. The national median home price is $467,370.
This ranking was generated using data current as of early 2026. Population and income data comes from the Census Bureau's American Community Survey (5-year estimates). Rent and home price data is from Zillow's monthly releases. Tax rates are from the Tax Foundation's 2025 edition. Rankings are refreshed monthly.