San Francisco, CA

Cost of Living in San Francisco, CA (2026)

$5,049/mo in San Francisco. $2,364 left each month. Prices 28% above the US average.

Compare vs Chicago Rank metros from San FranciscoHow we figure this

Monthly costs

Take-home $7,413/mo.

Taxes$3,063
Rent$2,635
Other living costs$2,414
Left over$2,364

Pay and tax, per year

Gross household pay: $125,705
Federal income tax: −$19,416
Social Security and Medicare: −$9,616
State income tax (CA): −$7,718
Take-home pay: $88,955
Effective tax rate: 29.2%

Living costs, per month

Rent, 1br: $2,635
Groceries: $512
Getting around: $558
Healthcare: $576
Utilities and internet: $320
Everything else: $448
Total spending: $5,049

Left over each month

$10,475 gross, minus $3,063 in tax and $5,049 in living costs.

$2,364

Average electric bill in California

About $282 a month for a household using 900 kWh. That is the EIA residential price for California in 2025, 31.35¢ per kWh. It is a state average, not a San Francisco utility bill, and the utilities line in the monthly costs above already includes a modelled power cost.

Cost of Living in San Francisco, CA (2026)

Monthly costs

Pay and tax, per year

Living costs, per month

Average electric bill in California

Moving from San Francisco

Take-home by job in San Francisco

Other California metros

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