California · Population 836,321 · Updated March 2026
How far your income goes in San Francisco
State-level tax rates that affect your costs
San Francisco has a significantly higher cost of living than most US cities, driven largely by premium housing costs. With a cost index of 267 (where 100 equals the national median), San Francisco residents can expect to pay median rent of $2,419/month while earning a median household income of $141,446/year.
The median home value in San Francisco, CA is $1,380,500, with typical monthly owner costs around $2,620 including mortgage, insurance, and taxes. The median rent-to-income ratio of 20.5% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.
California's top income tax rate of 13.3% is among the highest in the nation, adding to the overall cost burden. Combined with a 7.25% sales tax rate and 0.71% effective property tax rate, the overall tax environment is a factor in the total cost of living in San Francisco.
Common questions about living costs in San Francisco
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