Cost of Living in San Francisco, CA [2025]

There's no shortage of reasons to move to San Francisco. The city is a winning combination of urban energy, natural beauty, and a thriving economy. A prosperous housing market, economic growth, and even a bevy of sports teams paint a picture of a booming city. Additionally, San Francisco boasts a walkable design that beckons with outdoor adventures and the warmth of west coast living. However, this allure comes with a hefty price tag – San Francisco is notorious for its high cost of living.

If you're thinking of becoming San Francisco’s newest resident, then this comprehensive guide can help you learn everything you need to know before you make your move. We’ll dive into the various factors that contribute to San Francisco's cost of living, providing valuable insights for prospective renters and residents alike, and explore everything from astronomical housing prices to everyday expenses, giving you a clear picture of what it truly costs to call the Golden Gate City home.

Cost of Living in San Francisco, CA

What Is the Cost of Living in San Francisco, CA?

The cost of living in San Francisco, California, remains one of the highest in the nation. According to our database, San Francisco’s cost of living is 44% higher than the average U.S. city, with residents spending on average $8,105 a month to live in the city.

Best Places offers a cost of living in San Francisco, CA that is broken down by category as follows:

Where Is the Cost of Living Highest in San Francisco, CA?

The average cost of living in San Francisco varies significantly by neighborhood, with some areas commanding particularly high prices. Neighborhoods like Pacific Heights and Presidio Heights are among some of the most expensive, characterized by luxurious homes, stunning views, and a wealth of amenities. In these areas, the rent for a one-bedroom apartment can exceed $4,000 per month, and home prices often soar well above $2 million.

Where Is the Cost of Living Lowest in San Francisco, CA?

While San Francisco is known for its high cost of living, some neighborhoods offer relatively more affordable options. Areas like Outer Sunset and Excelsior tend to have lower housing costs compared to the city's most expensive neighborhoods. In these districts, the rent for a one-bedroom apartment can range from $1,500 to $3,000 per month, offering some respite for budget-conscious residents.

How Much Is Rent in San Francisco, CA?

According to our Rent Report, rents in San Francisco remain high, with the median currently at $2,735, holding steady from last month. This reflects a 4.3% year-over-year increase, outpacing both California's (0.8%) and the nation's (-0.6%) rent growth. Notably, San Francisco's monthly rent growth of 0.3% is significantly higher than the national decline of -0.6%, placing it among the top 10 rent growth rates among the 100 largest U.S. cities. As the third most expensive major city, San Francisco's median rent is substantially higher than the national average, exceeding it by 99.2%.

How Much Is a 1-Bedroom Apartment in San Francisco, CA?

As of January 2025, the average rent in San Francisco for a one-bedroom apartment is $2,761 per month.

How Much Is a 2-Bedroom Apartment in San Francisco, CA?

As of January 2025, the San Francisco average rent for a two-bedroom apartment is $3,272 per month.

How Much is Housing in San Francisco, CA?

Housing prices in San Francisco are among the highest in the nation, reflecting its status as a global tech and cultural hub. As of 2025, the median home price in the city exceeds $1.2 million, making homeownership a significant financial commitment. Luxury neighborhoods like Pacific Heights often see prices far above this median, while areas like Bayview or the Outer Sunset may offer relatively lower price points, though still well above the national average.

The high cost of real estate is driven by limited housing supply and persistent demand from professionals and investors. For those considering purchasing a home, additional expenses such as property taxes and maintenance should also be factored into the budget. Despite these challenges, San Francisco’s unique blend of urban amenities and natural beauty continues to attract buyers willing to invest in its competitive housing market.

What Salary Do You Need to Live in San Francisco, CA?

To comfortably live in San Francisco, CA, a substantial salary is required to keep pace with the high cost of living. Financial experts often recommend that no more than 30% of your income should go towards housing. Based on this principle, a single person would need to earn around $97,200 annually to afford the average $2,761 rent for a one-bedroom apartment. For families or those seeking more space, this figure jumps to the $115,200-$150,000 range for a two-bedroom space or family home.

While these are estimates, your actual needs will depend on your lifestyle. Groceries, transportation, healthcare, and entertainment all add up. The median household income in San Francisco sits around $141,446, but to live comfortably, you might need to aim higher.

How Much is Transportation in San Francisco, CA?

San Francisco's transportation scene caters to a variety of preferences, offering a clear choice: embrace the extensive public transit system, hop on a bike, lace up your walking shoes, or face the high costs of car ownership.

For those who value convenience and affordability, the city boasts a world-class public transit network. A monthly pass runs around $85, a significant savings compared to the $10,379 annual expense the average San Franciscan spends on transportation (and a whopping $17,410 for a family of four!). Plus, with a stop never more than a quarter-mile away, accessibility is a major perk – no wonder over 230 million passengers utilize the system annually.

Walkers and cyclists also rejoice! San Francisco boasts near-perfect walkability and bikeability. This means daily errands and leisure activities can be easily accomplished without a car, promoting a healthy lifestyle and reducing your environmental impact.

Car owners, on the other hand, face a different reality. Parking is a notorious challenge, with monthly fees ranging from $200 to $400 depending on location. The city's steep hills and limited spaces add to the frustration, not to mention gas prices and tolls. While manageable with careful planning, car-related costs remain a significant factor in San Francisco's overall living expenses.

How Much is Food in San Francisco, CA?

San Francisco's high cost of living significantly impacts food expenses. A single person can expect to spend around $5,244 annually on groceries and dining, while a family of four may spend upwards of $15,411.

Dining out can be a significant expense. The city boasts a renowned culinary scene, from the Mission District's vibrant Mexican food scene to Chinatown's authentic Asian flavors. However, expect to pay a premium, with average meals for two at mid-tier restaurants often exceeding $120.

Groceries also tend to be pricier than the national average, with San Franciscans spending roughly 19% more. A single person can anticipate spending $400-$500 per month, while families may budget $800-$1,000.

Fortunately, there are ways to mitigate these costs. Shopping at farmers' markets, discount grocery stores, and bulk food stores can help. Additionally, meal planning and home cooking are effective strategies for budget-conscious residents.

How Much is Healthcare in San Francisco, CA?

Healthcare costs in San Francisco are significantly higher than the national average. This is due to a combination of factors, including high demand for medical services, a concentration of specialized care facilities, and the overall high cost of living in the city. A single adult, for example, can expect to pay $2,856 per year in medical expenses. A family of four will be significantly more, approximately $9,842 per year.

Expect to pay more for health insurance premiums, deductibles, and out-of-pocket expenses compared to many other parts of the country. However, San Francisco boasts a world-class healthcare system with access to top-tier hospitals and specialists.

How Much Are Utilities in San Francisco, CA?

The average San Francisco resident pays $226.86 per month in utilities, which is slightly lower than California and national averages for basic utilities like gas, water, and electricity. This is likely due to the city's temperate weather, with average highs in the fifties during winter, minimizing heating needs.

While not included in traditional utility calculations, budgeting for internet and cell phone service is essential. According to Numbeo, the average cost of cell phone service in San Francisco sits around $58.64 per month, while average internet costs per month average $66.33

Overall, San Francisco's utility costs fall within the national average. This figure can fluctuate based on factors like residence size, usage habits, and season. While not the most expensive aspect of living in San Francisco, utilities are a necessary consideration when planning your monthly budget.

How Much Is Child Care in San Francisco, CA?

Childcare in San Francisco is a budget buster, often exceeding the cost of rent. For working families, this essential expense averages $39,108 per year for a family with two children. Even preschoolers are costly, with monthly rates typically averaging around $2,800 per month.

San Francisco's high cost of living and competitive childcare market are key drivers of these prices. The need for qualified staff, comprehensive programs, and the city's overall expenses all contribute. While some families explore home-based or cooperative childcare options for potential savings, even these alternatives come at a premium compared to national averages.

H2: San Francisco Fitness & Entertainment

San Francisco caters to both the fitness buff and the entertainment enthusiast, but it's important to factor these costs into your budget. San Francisco's mild climate and extensive park system make outdoor activities year-round a reality. Hike trails, yoga in Golden Gate Park, or beach volleyball at Ocean Beach are just a few possibilities. Indoors, a diverse array of gyms, studios, and fitness centers cater to all interests and budgets. Theaters, music venues, museums, and art galleries complete the picture, offering endless options to explore the city's rich cultural scene.

Fitness in San Francisco, CA

San Francisco caters to all fitness preferences. Gym memberships average $97.10 monthly, but deals and budget-friendly options like outdoor group classes abound. Embrace the city's reputation as an outdoor paradise! Take advantage of the extensive park system within a 10-minute walk of any resident, with options for walking, biking, skating, or even free group fitness classes in Mission Dolores Park. Water enthusiasts can enjoy kayaking in McCovey Cove or swimming at Aquatic Park for a unique workout with a view.

Entertainment in San Francisco, CA

San Francisco's entertainment scene caters to diverse interests. Catch a live game – the thrill is worth it, though ticket prices vary by sport. According to Seakgeek, you can snag a ticket for a San Francisco Giants game for as low as $14, a San Francisco 49ers game for $35, and a Golden State Warriors game for $27 before taxes and fees.

For a more cultural experience, explore the city's wealth of affordable museums such as the San Francisco Museum of Modern Art, the Asian Art Museum, or the Walt Disney Family Museum.

Don't miss out on free options either – stroll through Chinatown, relax in the Golden Gate Park Japanese Tea Garden, or catch a free outdoor concert at Stern Grove.

Other Expenses to Consider in San Francisco

Beyond core expenses, San Francisco living presents other significant costs. Pet ownership can be expensive, with vet bills, food, and grooming adding up quickly in a city with a high cost of living. Personal care expenses, such as haircuts, grooming, and clothing, also tend to be higher in San Francisco.

San Francisco boasts one of the highest tax burdens in the country. This includes a sales tax of 8.625%, a state income tax (with rates increasing as income grows), and city income tax. Property taxes can also contribute to the overall tax burden.

San Francisco’s Job Market

San Francisco's job market is robust and diverse, with a strong focus on technology, finance, and healthcare. The city's tech industry, home to numerous giants like Google, Apple, and Facebook, creates a high demand for professionals in fields like software engineering, data science, and product management. As a major financial center, San Francisco also offers opportunities in investment banking, asset management, and fintech. Additionally, the city's world-class medical institutions provide a wide range of career paths in healthcare, including positions for physicians, nurses, and researchers.

Beyond these major sectors, San Francisco offers diverse job opportunities in fields like education, arts and culture, tourism, hospitality, and green technology. However, competition for desirable positions can be fierce, and the cost of living can significantly impact earning potential. Thoroughly research industry-specific salaries and consider the overall cost of living when evaluating job opportunities in San Francisco.

Looking for an Apartment in San Francisco?

San Francisco living can be your dream come true, with its exciting vibe, diverse entertainment options, and easy access to nature. Apartment List can help you navigate the competitive rental market, whether you seek a downtown studio or a family-friendly haven. Explore listings, utilize search filters, and take the Apartment List quiz to find your perfect match – if the cost aligns with your budget. If not, consider exploring nearby cities before taking the plunge.

Cost of Living in San Francisco, CA FAQs

Is it expensive to live in San Francisco?

San Francisco is notoriously expensive. It consistently ranks among the most expensive cities in the United States, and is 44% more expensive than the average U.S. city. Housing costs are the primary driver, with exorbitant rent and home prices. Groceries, dining out, transportation, healthcare, and even everyday essentials like pet care and personal grooming are significantly pricier than the national average.

What is the cost of living in San Francisco for one month?

Average monthly spending in San Francisco is $8,105.

Is San Francisco More Expensive Than Los Angeles?

San Francisco boasts a steeper price tag than Los Angeles. Average rent for a one-bedroom apartment in San Francisco costs $2,761 compared to $1,843 in LA. Additional living costs like transportation and groceries are also typically lower in LA.

What is the cost of living in San Diego vs San Francisco?

The cost of living in San Diego vs San Francisco presents a clear contrast, driven by each city's unique character. While both Californian gems offer sunshine and coastal charm, San Francisco takes the crown for overall expenses, especially housing. Renting or buying a home there will put a bigger dent in your wallet compared to San Diego, where average rent for a one-bedroom apartment is only $1,950. San Diego might offer some relief with potentially lower transportation and grocery costs.

What is the population of San Francisco?

According to the U.S. Census Bureau, there are an estimated 873,965 people living in San Francisco