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Chicago · Registered nurse · $98,500 · One adult, renting a 1-bedroom
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Modesto
Don Ramey Logan. CC BY 4.0. Photo source · License
San Francisco skyline
Daniel L. Lu (user:dllu) Camera location 37° 49′ 39.52″ N, 122° 29′ 56.17″ W View this and other nearby images on: OpenStreetMap 37.827644; -122.498935. CC BY-SA 4.0. Photo source · License

Modesto vs San Francisco

$657/mo more in San Francisco

Alabama: $2,168 left in a typical monthArizona: $2,126 left in a typical monthArkansas: $2,400 left in a typical monthCalifornia: $1,645 left in a typical monthColorado: $2,458 left in a typical monthConnecticut: $2,294 left in a typical monthDelaware: $1,980 left in a typical monthDistrict of Columbia: $2,913 left in a typical monthFlorida: $2,204 left in a typical monthGeorgia: $1,988 left in a typical monthIdaho: $2,056 left in a typical monthIllinois: $2,569 left in a typical monthIndiana: $2,407 left in a typical monthIowa: $2,838 left in a typical monthKansas: $2,391 left in a typical monthKentucky: $2,312 left in a typical monthLouisiana: $2,486 left in a typical monthMaine: $1,949 left in a typical monthMaryland: $2,359 left in a typical monthMassachusetts: $2,076 left in a typical monthMichigan: $2,360 left in a typical monthMinnesota: $2,600 left in a typical monthMississippi: $2,011 left in a typical monthMissouri: $2,581 left in a typical monthMontana: $2,222 left in a typical monthNebraska: $2,541 left in a typical monthNevada: $2,296 left in a typical monthNew Hampshire: $2,794 left in a typical monthNew Jersey: $1,864 left in a typical monthNew Mexico: $2,037 left in a typical monthNew York: $2,320 left in a typical monthNorth Carolina: $2,194 left in a typical monthNorth Dakota: $3,238 left in a typical monthOhio: $2,583 left in a typical monthOklahoma: $2,455 left in a typical monthOregon: $1,624 left in a typical monthPennsylvania: $2,380 left in a typical monthRhode Island: $2,094 left in a typical monthSouth Carolina: $2,108 left in a typical monthSouth Dakota: $2,780 left in a typical monthTennessee: $2,530 left in a typical monthTexas: $2,620 left in a typical monthUtah: $1,822 left in a typical monthVermont: $2,118 left in a typical monthVirginia: $2,326 left in a typical monthWashington: $2,473 left in a typical monthWest Virginia: $2,277 left in a typical monthWisconsin: $2,642 left in a typical monthWyoming: $2,849 left in a typical month
Less leftMore left

ModestoSan FranciscoAbout 71 miles apart, close enough to drive.

  • San Francisco leaves you more
  • Rent under 30% of pay
  • 259 sunny days

Same paycheck, two cities. $2,333/mo in San Francisco. $1,676/mo in Modesto. +$7,884 a year.

Modesto

$1,676

left each month

San Francisco

$2,333

+$657 vs Modesto

Compare

Same paycheck, another city.

San Francisco wins 2 of 4Modesto 2 · ties 0
$5,380Take-home · San Francisco$7,382
$1,463Rent · Modesto$2,635
$2,241Other bills · Modesto$2,414
$1,676Left over · San Francisco$2,333

Next

In 2022-2023, 919 households moved Modesto → San Francisco (avg AGI $67,029). 1,299 went the other way. The whole move →

+$657 / mo

Alabama: $2,168 left in a typical monthArizona: $2,126 left in a typical monthArkansas: $2,400 left in a typical monthCalifornia: $1,645 left in a typical monthColorado: $2,458 left in a typical monthConnecticut: $2,294 left in a typical monthDelaware: $1,980 left in a typical monthDistrict of Columbia: $2,913 left in a typical monthFlorida: $2,204 left in a typical monthGeorgia: $1,988 left in a typical monthIdaho: $2,056 left in a typical monthIllinois: $2,569 left in a typical monthIndiana: $2,407 left in a typical monthIowa: $2,838 left in a typical monthKansas: $2,391 left in a typical monthKentucky: $2,312 left in a typical monthLouisiana: $2,486 left in a typical monthMaine: $1,949 left in a typical monthMaryland: $2,359 left in a typical monthMassachusetts: $2,076 left in a typical monthMichigan: $2,360 left in a typical monthMinnesota: $2,600 left in a typical monthMississippi: $2,011 left in a typical monthMissouri: $2,581 left in a typical monthMontana: $2,222 left in a typical monthNebraska: $2,541 left in a typical monthNevada: $2,296 left in a typical monthNew Hampshire: $2,794 left in a typical monthNew Jersey: $1,864 left in a typical monthNew Mexico: $2,037 left in a typical monthNew York: $2,320 left in a typical monthNorth Carolina: $2,194 left in a typical monthNorth Dakota: $3,238 left in a typical monthOhio: $2,583 left in a typical monthOklahoma: $2,455 left in a typical monthOregon: $1,624 left in a typical monthPennsylvania: $2,380 left in a typical monthRhode Island: $2,094 left in a typical monthSouth Carolina: $2,108 left in a typical monthSouth Dakota: $2,780 left in a typical monthTennessee: $2,530 left in a typical monthTexas: $2,620 left in a typical monthUtah: $1,822 left in a typical monthVermont: $2,118 left in a typical monthVirginia: $2,326 left in a typical monthWashington: $2,473 left in a typical monthWest Virginia: $2,277 left in a typical monthWisconsin: $2,642 left in a typical monthWyoming: $2,849 left in a typical monthModestoSan Francisco
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San Francisco · this breakdownModesto · home
See full breakdown
Monthly and annual budget comparison between Modesto, CA and San Francisco, CA
Per monthModestoSan FranciscoDifference
Gross pay$7,125$10,423+$3,298
Income and payroll tax$1,745$3,041+$1,296
Take-home pay$5,380$7,382+$2,002
Rent$1,463$2,635+$1,172
Getting around$670$558−$112
Groceries$433$512+$79
Healthcare$487$576+$89
Utilities$271$320+$49
Everything else$379$448+$69
Left over$1,676$2,333+$657

Salary to match Modesto

$112,000

Gross pay in San Francisco that leaves the same amount as $85,500 in Modesto.

Tax difference

−$3,681

A year, in state and local income tax. Effective rates: 24.5% in Modesto, 29.2% in San Francisco.

More about San Francisco

Modesto, CA in full

State income tax topping out at 12.3%, a median 2-bedroom asking rent of $1,742 and 252 sunny days; commutes average 31 minutes.

San Francisco, CA in full

Dense, walkable, cold in July, and priced for two incomes.

The other way

Start in San Francisco.

San Francisco → Modesto →

Questions

Is the cost of living lower in San Francisco than Modesto?

For one adult in a one-bedroom, San Francisco leaves about $657 more a month. A one-bedroom is about $1,463 in Modesto and $2,635 in San Francisco.

Does San Francisco have state income tax?

San Francisco is in California, which taxes wage income.

What changes if you move from Modesto to San Francisco?

The paycheck is taxed in California. Rent stays at the same bedroom count. What you keep is the difference.

Left over each month is take-home pay minus rent and the rest of the bills. The gap between Modesto and San Francisco changes with the job, remote or local pay, and bedrooms. How we figure this · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.

Estimate, not a quote. How we figure this.