Madrid wins overall by ~197% (COL index)
Cost of living: San Francisco vs Madrid (2026)
A $75,000 salary in San Francisco buys roughly what $25,284 does in Madrid (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
−$33,284/yr
Favoring Madrid for this income & household (illustrative).
With the extra $2,774/mo, you could pay down a $15,000 card balance in ~6 months and still keep ~$333/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 | Madrid Community of Madrid | Who wins | Your impact at $75K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $2,900 | $880Wins | Madrid wins −$2,020/mo | $24,240/yr saves in Madrid |
| 1BR rent/mo | $3,600 | $1,200Wins | Madrid wins −$2,400/mo | $28,800/yr saves in Madrid |
| 2BR rent/mo | $5,200 | $1,800Wins | Madrid wins −$3,400/mo | $40,800/yr saves in Madrid |
| Median home price | $1.2M | — | — | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 118 | — | — | — |
| Budget meal (1 person) | $22 | $12Wins | Madrid wins −$10/mo | — |
| Mid-range dinner (2) | $90 | $55Wins | Madrid wins −$35/mo | $420/yr saves in Madrid |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $100 | — | — | — |
| Gas price/gal | $4.80 | — | — | — |
| Car insurance/mo | $180 | — | — | — |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $160 | $95Wins | Madrid wins −$65/mo | $780/yr saves in Madrid |
| Internet/mo | $70 | $35Wins | Madrid wins −$35/mo | $420/yr saves in Madrid |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $130K | — | — | — |
| State income tax% | 9.3%Wins | 21.0% | San wins +11.7 pp | $8,775/yr saves in San |
| Sales tax (combined)% | 8.6%Wins | 21.0% | San wins +12.4 pp | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $18.00 | — | — | — |
| Gym membership/mo | $75 | $50Wins | Madrid wins −$25/mo | $300/yr saves in Madrid |
| Beer at restaurant | $9.00 | — | — | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 194 | 65Wins | Madrid wins -129 | — |
| Walk score / 100 | 87Better | 82 | San wins -5 more/yr | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Turn ~$8,772/yr tax difference into cash back
Madrid 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 Madrid.
High-yield savings
Park ~$28,800/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 San Francisco cheaper than Madrid?
No. Madrid is 197% cheaper than San Francisco based on overall cost of living indices (65 vs 194, where 100 = US average).
What is the average rent in San Francisco vs Madrid?
As of Q1 2026, the median 1-bedroom rent in San Francisco is $3,600/month and in Madrid is $1,200/month. San Francisco is more expensive by 200%.
How much do I need to earn in Madrid to match a $75,000 salary in San Francisco?
To maintain a similar lifestyle, you would need approximately $25,284/year in Madrid 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 Madrid?
San Francisco has the lower state income tax rate at 9.3% vs 21%. The difference is 11.7 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 Madrid?
It depends on your priorities. Madrid 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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Salary equivalent: San Francisco ↔ Madrid
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