Cost of Living: San Francisco, CA vs Concord, CA (2026)

San Francisco

California
267
VS

Concord

California
187

San Francisco is 43% more expensive than Concord.

$2,419/mo ↑ 9%
Median Rent
$2,226/mo ↓ 8%
$141,446/yr ↑ 30%
Median Income
$109,195/yr ↓ 23%
$1,380,500 ↑ 83%
Home Value
$755,900 ↓ 45%
$2,620/mo ↑ 15%
Owner Costs
$2,284/mo ↓ 13%
836,321
Population
124,260

Tax Comparison

13.3%
Income Tax
13.3%
7.25%
State Sales Tax
7.25%
0.71%
Property Tax
0.71%

Affordability

20.5%
rent-to-income
Affordability
24.5%
rent-to-income

Detailed Comparison

When comparing San Francisco, CA and Concord, CA, the overall cost of living indices are 267 and 187 respectively (national median = 100). Rent is $193/month cheaper in Concord, saving renters about $2,316/year.

Median household income is $32,251/year higher in San Francisco. Home values also differ significantly — the median in San Francisco is $1,380,500 compared to $755,900 in Concord.

Both cities share the same state tax structure since they are in California.

Frequently Asked Questions

San Francisco vs Concord — common questions

Is San Francisco or Concord cheaper to live in?
Based on our cost index, Concord is cheaper to live in with an index of 187 compared to 267 (US average = 100).
What is the rent difference between San Francisco and Concord?
Median rent in San Francisco is $2,419/month and in Concord it's $2,226/month — a difference of $193/month.
Which city has higher income, San Francisco or Concord?
Median household income is $141,446 in San Francisco and $109,195 in Concord. Median household income is $32,251/year higher in San Francisco.
How do taxes compare between California and California?
Both cities are in California and share the same state tax rates: 13.3% income tax, 7.25% sales tax, and 0.71% property tax.
Should I move to San Francisco or Concord?
It depends on your priorities. San Francisco has a cost index of 267 with median rent of $2,419/mo, while Concord has a cost index of 187 with rent of $2,226/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View San Francisco details → View Concord details →

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