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

San Francisco

California
267
VS

Irving

Texas
102

San Francisco is 162% more expensive than Irving.

$2,419/mo ↑ 59%
Median Rent
$1,517/mo ↓ 37%
$141,446/yr ↑ 78%
Median Income
$79,641/yr ↓ 44%
$1,380,500 ↑ 381%
Home Value
$287,300 ↓ 79%
$2,620/mo ↑ 72%
Owner Costs
$1,521/mo ↓ 42%
836,321
Population
255,036

Tax Comparison

13.3%
Income Tax
0%
7.25%
State Sales Tax
6.25%
0.71%
Property Tax
1.6%

Affordability

20.5%
rent-to-income
Affordability
22.9%
rent-to-income

Detailed Comparison

When comparing San Francisco, CA and Irving, TX, the overall cost of living indices are 267 and 102 respectively (national median = 100). Rent is $902/month cheaper in Irving, saving renters about $10,824/year.

Median household income is $61,805/year higher in San Francisco. Home values also differ significantly — the median in San Francisco is $1,380,500 compared to $287,300 in Irving.

Texas has no state income tax, giving Irving residents a significant tax advantage over California's 13.3% rate.

Frequently Asked Questions

San Francisco vs Irving — common questions

Is San Francisco or Irving cheaper to live in?
Based on our cost index, Irving is cheaper to live in with an index of 102 compared to 267 (US average = 100).
What is the rent difference between San Francisco and Irving?
Median rent in San Francisco is $2,419/month and in Irving it's $1,517/month — a difference of $902/month.
Which city has higher income, San Francisco or Irving?
Median household income is $141,446 in San Francisco and $79,641 in Irving. Median household income is $61,805/year higher in San Francisco.
How do taxes compare between California and Texas?
California has 13.3% income tax, 7.25% sales tax, and 0.71% property tax. Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax.
Should I move to San Francisco or Irving?
It depends on your priorities. San Francisco has a cost index of 267 with median rent of $2,419/mo, while Irving has a cost index of 102 with rent of $1,517/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View San Francisco details → View Irving details →

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