Cost of Living in San Francisco, CA (2026)
Planning to live in San Francisco, CA? Our personalized calculator shows YOUR actual cost of living - not generic averages. San Francisco, CA has a very high cost of living with a COL index of 165 (65% higher than the national average). Average 1BR rent: ~$2,310/mo. Total monthly expenses: ~$5,775 for a balanced lifestyle. Recommended salary: $132,000/year.
San Francisco costs 65% more than the US national average
Rent consumes 54% of your total expenses — very housing-heavy budget.
💡 Consider a roommate, smaller apartment, or more affordable neighborhood.
72% of your budget is fixed — leaves little room for emergencies.
💡 Reduce fixed expenses to create more financial flexibility.
44% potential savings rate — great for building wealth!
Risk assessment based on financial planning best practices. Consult a financial advisor for personalized advice.
💬 Use These in Negotiations
“Based on the cost of living in San Francisco, I would need a minimum of $132,000 to maintain my current standard of living.”
“Moving to San Francisco requires a salary adjustment of +65% compared to the national average to maintain equivalent purchasing power.”
📊 Salary Tiers for San Francisco
🔄 If You're Relocating
📋 For HR/Recruiters: These figures are based on actual cost-of-living data for San Francisco. Use the Recommended Salary ($132,000) as a benchmark for competitive compensation packages.
Methodology: San Francisco's COL Index (165) is calculated using a weighted average approach similar to C2ER COLI, where 100 = national average. Data updated quarterly. See Sources for more.