Cost of Living in San Francisco, California (2026)
COL Index
194
100 = US avg
1BR Rent
$3,600
per month
Median HHI
$130K
per year
State Tax
9.3%
income tax
Full cost breakdown
| Category | San Francisco |
|---|---|
| 🏠 HousingQ1 2026 | |
| Studio rent/mo | $2,900 |
| 1BR rent/mo | $3,600 |
| 2BR rent/mo | $5,200 |
| Median home price | $1.2M |
| 🛒 Food & GroceriesQ1 2026 | |
| Groceries index (100 = US avg) | 118 |
| Budget meal (1 person) | $22 |
| Mid-range dinner (2 people) | $90 |
| 🚌 TransportationQ1 2026 | |
| Monthly transit pass/mo | $100 |
| Gas price/gal | $4.80 |
| Car insurance/mo | $180 |
| ⚡ UtilitiesQ1 2026 | |
| Utilities bundle (elec + gas + water)/mo | $160 |
| Internet/mo | $70 |
| 💰 Income & TaxesQ1 2026 | |
| Median household income/yr | $130K |
| State income tax rate | 9.3% |
| Sales tax (combined) | 8.6% |
| 📊 OverviewQ1 2026 | |
| Overall COL index (100 = US avg) | 194 |
| Walk score / 100 | 87 |
Is San Francisco affordable on your salary?
How rent burden (1BR) changes across income levels. Under 30% is comfortable; above 40% is tight.
$40K
~$2,418/mo take-home
149% rent burden · Difficult
$50K
~$2,773/mo take-home
130% rent burden · Difficult
$60K
~$3,328/mo take-home
108% rent burden · Difficult
$75K
~$4,159/mo take-home
87% rent burden · Difficult
$80K
~$4,437/mo take-home
81% rent burden · Difficult
$100K
~$5,546/mo take-home
65% rent burden · Difficult
$120K
~$6,225/mo take-home
58% rent burden · Difficult
$150K
~$7,781/mo take-home
46% rent burden · Difficult
Too expensive? Find cheaper alternatives.
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Data: Zillow Observed Rent Index, BLS, Numbeo, Tax Foundation, US Census ACS · Q1 2026 · For general guidance only