Killeen wins overall by ~57% (COL index)
Cost of living: Killeen vs San Francisco (2026)
A $90,000 salary in Killeen buys roughly what $210,361 does in San Francisco (COL-adjusted). Your real trade-offs are taxes, rent, and day-to-day prices — we break them down and personalize below.
Your move simulator
Tell us about your household — we calculate your real annual savings.
Estimated annual swing
+$50,833/yr
Favoring Killeen for this income & household (illustrative).
With the extra $4,236/mo, you could pay down a $15,000 card balance in ~4 months and still keep ~$508/mo for dining out.
Studio rent/mo
1BR rent/mo
2BR rent/mo
Median home price
Groceries index (100 = US avg)
Budget meal (1 person)
Mid-range dinner (2)
Monthly transit pass/mo
Gas price/gal
Car insurance/mo
Monthly utilities bundle/mo
Internet/mo
Median household income/yr
State income tax%
Sales tax (combined)%
Movie ticket
Gym membership/mo
Beer at restaurant
Overall COL index (100 = US avg)
Walk score / 100
| Category | Killeen Texas | San Francisco California | Who wins | Your impact at $90K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $850Wins | $2,900 | Killeen wins +$2,050/mo | $24,600/yr saves in Killeen |
| 1BR rent/mo | $1,050Wins | $3,600 | Killeen wins +$2,550/mo | $30,600/yr saves in Killeen |
| 2BR rent/mo | $1,400Wins | $5,200 | Killeen wins +$3,800/mo | $45,600/yr saves in Killeen |
| Median home price | $215KWins | $1.2M | Killeen wins +$985K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 92Wins | 118 | Killeen wins +26 | — |
| Budget meal (1 person) | $11Wins | $22 | Killeen wins +$11/mo | — |
| Mid-range dinner (2) | $46Wins | $90 | Killeen wins +$44/mo | $528/yr saves in Killeen |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $38Wins | $100 | Killeen wins +$62/mo | $744/yr saves in Killeen |
| Gas price/gal | $3.00Wins | $4.80 | Killeen wins +$1.80 | — |
| Car insurance/mo | $160Better | $180 | Killeen wins +$20/mo | $240/yr saves in Killeen |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $170 | $160Better | San wins −$10/mo | — |
| Internet/mo | $60Wins | $70 | Killeen wins +$10/mo | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $50K | $130KWins | San wins +$80K more/yr | — |
| State income tax% | 0.0%Wins | 9.3% | Killeen wins +9.3 pp | $8,370/yr saves in Killeen |
| Sales tax (combined)% | 8.3%Better | 8.6% | Killeen wins +0.3 pp | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $13.00Wins | $18.00 | Killeen wins +$5.00 | — |
| Gym membership/mo | $30Wins | $75 | Killeen wins +$45/mo | $540/yr saves in Killeen |
| Beer at restaurant | $4.50Wins | $9.00 | Killeen wins +$4.50 | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 83Wins | 194 | Killeen wins +111 | — |
| Walk score / 100 | 18 | 87Wins | San wins +69 more/yr | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Turn ~$8,376/yr tax difference into cash back
Killeen fits your move math — cash-back cards stack on groceries, gas, and dining you're already doing.
Home + auto bundle
New state — new insurance rates
Bundling often saves hundreds/yr. Compare before you sign a lease in Killeen.
High-yield savings
Park ~$30,600/yr rent savings at 4–5%+ APY
Don't let relocation cash sit at 0% — put it to work until closing day.
More ways to compare this move
Ready to move?
Open the full interactive tool to add up to 5 cities, drop in your salary, and see rent burden.
Open full interactive toolComplete the Picture
While you’re comparing — don’t leave money on the table.
If cash is tight
Knock down high-interest debt first
A move has upfront costs — a balance transfer or personal loan can lower APR while you settle in.
If you're saving big
Invest the surplus on autopilot
Brokerages and robo-advisors help you dollar-cost average into the market with your new slack.
Frequently asked questions
Is Killeen cheaper than San Francisco?
Yes. Killeen is 57% cheaper than San Francisco based on overall cost of living indices (83 vs 194, where 100 = US average).
What is the average rent in Killeen vs San Francisco?
As of Q1 2026, the median 1-bedroom rent in Killeen is $1,050/month and in San Francisco is $3,600/month. Killeen is cheaper by 71%.
How much do I need to earn in San Francisco to match a $75,000 salary in Killeen?
To maintain a similar lifestyle, you would need approximately $175,301/year in San Francisco to match a $75,000 salary in Killeen. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Killeen or San Francisco?
Killeen has the lower state income tax rate at 0% vs 9.3%. Killeen has no state income tax at all, which can save thousands of dollars per year depending on your income. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Killeen to San Francisco?
It depends on your priorities. Killeen offers lower overall costs and tax advantages, but both cities have different job markets, weather, and lifestyle trade-offs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
More move scenarios
Planning a move?
Salary equivalent: Killeen ↔ San Francisco
How much would you need to earn in San Francisco to match your Killeen purchasing power?