Typical local-market pay: $85,000/year (Verified BLS OES May 2024 · Doximity 2025 · NALP 2025 · Levels.fyi). Lifestyle equivalent of a New York $85,000 salary: $82,960/year (COLI-scaled, not market pay). COLI rank #4 of 113.
COLI-scaled lifestyle-equivalent range for a software engineer in San Francisco (NYC baseline × COLI 97.6 / 100). This is not local market pay.
Highest COLI-scaled lifestyle equivalents (not local market pay):
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Try Wise for Free →Local-market pay for a software engineer in San Francisco is approximately $85,000/year (Verified · BLS OES May 2024 · Doximity 2025 · NALP 2025 · Levels.fyi). Separately, the lifestyle equivalent of a New York $85,000 salary is $82,960 (COLI 97.6, NYC = 100). That equivalent is not what someone earns locally. COLI-scaled entry/senior lifestyle equivalents: $43,920 – $175,680.
After income tax and social contributions in United States, a software engineer in San Francisco takes home approximately 67% of their gross salary, or around $4,739/month ($56,865/year in USD equivalent).
San Francisco ranks #4 out of 113 cities on COLI-scaled lifestyle equivalent for software engineers (not local market rank). The top city on that equivalent scale is Zurich.