Cost of Living & Salary Comparison 2026
Yes, San Francisco is 2% cheaper than New York based on our cost of living index. San Francisco has a COLI of 97.6, while New York has a COLI of 100.0. 2% cheaper
Overall, San Francisco is approximately 2% cheaper than New York based on our cost of living index. New York has a COLI of 100 (ranked #3 of 182 cities), while San Francisco has a COLI of 97.6 (ranked #4).
When it comes to housing, one-bedroom apartment rent in New York averages $3,500/month compared to $3,200/month in San Francisco. That makes San Francisco approximately 9% cheaper for rent alone.
San Francisco has lower total deductions (32.2%) compared to New York (33.4%), meaning you keep more of your gross salary in San Francisco. When evaluating a relocation, remember that total deductions directly impact your take-home pay and should be weighed alongside cost of living differences.
Full breakdown of mandatory payroll deductions for a mid-range salary as a local employee in each city.
Rates shown for local employees. Expat deductions may differ — use the main converter for personalized calculations.
If you earn $75,000 in New York, you would need approximately $73,200 in San Francisco to maintain the same purchasing power. That is 2% less thanks to lower cost of living.
Estimated mid-level annual salaries in local currency, adjusted for each city's cost of living:
| Job Title | New York (USD) | San Francisco (USD) |
|---|---|---|
| Doctor (General) | $180,000 | $175,680 |
| Software Engineer | $85,000 | $82,960 |
| Product Manager | $100,000 | $97,600 |
| Lawyer | $100,000 | $97,600 |
| Data Scientist | $95,000 | $92,720 |
| Marketing Manager | $72,000 | $70,272 |
| Teacher | $48,000 | $46,848 |
| Nurse | $58,000 | $56,608 |
Salary estimates are adjusted by each city's COLI relative to the New York baseline. Actual salaries vary by company, experience, and industry.
| Neighborhood | Multiplier |
|---|---|
| SoHo / Tribeca | 1.35x (+35%) |
| Manhattan (Upper East Side) | 1.30x (+30%) |
| West Village | 1.28x (+28%) |
| Manhattan (Midtown) | 1.25x (+25%) |
| Greenwich Village | 1.25x (+25%) |
| Neighborhood | Multiplier |
|---|---|
| Palo Alto | 1.28x (+28%) |
| Pacific Heights | 1.25x (+25%) |
| Marina District | 1.22x (+22%) |
| Financial District | 1.20x (+20%) |
| Russian Hill | 1.20x (+20%) |
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Open Salary ConverterNew York is more expensive overall. New York has a COLI of 100 while San Francisco has a COLI of 97.6, making San Francisco approximately 2% cheaper.
To maintain the same standard of living as $75,000 in New York, you would need approximately $73,200 in San Francisco.
Average one-bedroom rent in New York is $3,500/month compared to $3,200/month in San Francisco. San Francisco has lower rent by approximately 9%.
San Francisco has lower total deductions (32.2%) compared to New York (33.4%), meaning you keep more of your gross salary in San Francisco.
Cost of living indices (COLI) are benchmarked to New York City = 100 and derived from Numbeo and Expatistan crowd-sourced price surveys, cross-referenced with national statistics agencies. Rent data from Numbeo Property Prices.
Salary ranges are compiled from the U.S. Bureau of Labor Statistics (OES), Glassdoor, and PayScale. Tax rates are approximate effective rates for mid-range earners based on OECD Taxing Wages and national tax authorities. Exchange rates from the European Central Bank. Neighborhood multipliers are estimated from local rental indices and property data.
Last updated: 2026-02-28. Data is refreshed periodically. All figures are estimates for informational purposes only.