Los Angeles wins overall by ~12% (COL index)
Cost of living: San Francisco vs Los Angeles (2026)
A $100,500 salary in San Francisco buys roughly what $89,621 does in Los Angeles (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
−$12,361/yr
Favoring Los Angeles for this income & household (illustrative).
With the extra $1,030/mo, you could pay down a $15,000 card balance in ~15 months and still keep ~$124/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 | San Francisco California | Los Angeles California | Who wins | Your impact at $101K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $2,900 | $2,200Wins | Los wins −$700/mo | $8,400/yr saves in Los |
| 1BR rent/mo | $3,600 | $2,800Wins | Los wins −$800/mo | $9,600/yr saves in Los |
| 2BR rent/mo | $5,200 | $3,800Wins | Los wins −$1,400/mo | $16,800/yr saves in Los |
| Median home price | $1.2M | $850KWins | Los wins −$350K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 118 | 108Better | Los wins -10 | — |
| Budget meal (1 person) | $22 | $18Wins | Los wins −$4/mo | — |
| Mid-range dinner (2) | $90 | $75Wins | Los wins −$15/mo | — |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $100Better | $100 | — | — |
| Gas price/gal | $4.80 | $4.50Better | Los wins −$0.30 | — |
| Car insurance/mo | $180Better | $195 | San wins +$15/mo | — |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $160 | $145Better | Los wins −$15/mo | — |
| Internet/mo | $70Better | $70 | — | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $130KWins | $71K | San wins −$59K more/yr | — |
| State income tax% | 9.3%Better | 9.3% | — | — |
| Sales tax (combined)% | 8.6%Wins | 10.3% | San wins +1.7 pp | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $18.00 | $17.00Better | Los wins −$1.00 | — |
| Gym membership/mo | $75 | $55Wins | Los wins −$20/mo | $240/yr saves in Los |
| Beer at restaurant | $9.00 | $8.00Better | Los wins −$1.00 | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 194 | 173Better | Los wins -21 | — |
| Walk score / 100 | 87Wins | 68 | San wins -19 more/yr | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Maximize everyday spend in your new city
Los Angeles 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 Los Angeles.
High-yield savings
Park ~$9,600/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
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Open the full interactive tool to add up to 5 cities, drop in your salary, and see rent burden.
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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.
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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 San Francisco cheaper than Los Angeles?
No. Los Angeles is 12% cheaper than San Francisco based on overall cost of living indices (173 vs 194, where 100 = US average).
What is the average rent in San Francisco vs Los Angeles?
As of Q1 2026, the median 1-bedroom rent in San Francisco is $3,600/month and in Los Angeles is $2,800/month. San Francisco is more expensive by 29%.
How much do I need to earn in Los Angeles to match a $75,000 salary in San Francisco?
To maintain a similar lifestyle, you would need approximately $66,881/year in Los Angeles to match a $75,000 salary in San Francisco. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — San Francisco or Los Angeles?
Los Angeles has the lower state income tax rate at 9.3% vs 9.3%. The difference is 0.0 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from San Francisco to Los Angeles?
It depends on your priorities. Los Angeles offers lower overall costs, 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
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