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

San Francisco

California
267
VS

Odessa

Texas
83

San Francisco is 222% more expensive than Odessa.

$2,419/mo ↑ 83%
Median Rent
$1,322/mo ↓ 45%
$141,446/yr ↑ 94%
Median Income
$73,030/yr ↓ 48%
$1,380,500 ↑ 564%
Home Value
$208,000 ↓ 85%
$2,620/mo ↑ 109%
Owner Costs
$1,251/mo ↓ 52%
836,321
Population
114,080

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
21.7%
rent-to-income

Detailed Comparison

When comparing San Francisco, CA and Odessa, TX, the overall cost of living indices are 267 and 83 respectively (national median = 100). Rent is $1,097/month cheaper in Odessa, saving renters about $13,164/year.

Median household income is $68,416/year higher in San Francisco. Home values also differ significantly — the median in San Francisco is $1,380,500 compared to $208,000 in Odessa.

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

Frequently Asked Questions

San Francisco vs Odessa — common questions

Is San Francisco or Odessa cheaper to live in?
Based on our cost index, Odessa is cheaper to live in with an index of 83 compared to 267 (US average = 100).
What is the rent difference between San Francisco and Odessa?
Median rent in San Francisco is $2,419/month and in Odessa it's $1,322/month — a difference of $1,097/month.
Which city has higher income, San Francisco or Odessa?
Median household income is $141,446 in San Francisco and $73,030 in Odessa. Median household income is $68,416/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 Odessa?
It depends on your priorities. San Francisco has a cost index of 267 with median rent of $2,419/mo, while Odessa has a cost index of 83 with rent of $1,322/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View San Francisco details → View Odessa details →

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