San Francisco vs San Jose-Sunnyvale-Santa Clara

Cost of Living Comparison

San Francisco

Gross Salary $70,000
Tax -$9,953
Rent (2BR) -$43,248
Net Income $16,799

To match your lifestyle in San Jose-Sunnyvale-Santa Clara, you'd need:

$69,465

The Verdict

Cost of Living Index

San Francisco 200.1
San Jose-Sunnyvale-Santa Clara 213.0
Cheaper Avg (100) Pricier

Purchasing Power

San Francisco $8,394
San Jose-Sunnyvale-Santa Clara $8,570

San Jose-Sunnyvale-Santa Clara

Gross Salary $70,000
Tax -$9,953
Rent (2BR) -$41,796
Net Income $18,251

To match your lifestyle in San Francisco, you'd need:

$70,503

The Bottom Line

On a $70,000 salary, you would have $1,452 more per year in San Jose-Sunnyvale-Santa Clara compared to San Francisco. You'd pay $0 less in taxes in San Jose-Sunnyvale-Santa Clara, while housing costs 3% less. The cost of living in San Francisco is 100% above avg, while San Jose-Sunnyvale-Santa Clara is 113% above avg, making San Francisco the more affordable city overall. Your $70,000 salary in San Francisco feels like earning $69,465 in San Jose-Sunnyvale-Santa Clara once you factor in taxes, rent, and cost of living. For K-12 education, San Jose-Sunnyvale-Santa Clara has a better pupil-teacher ratio (0:1 vs 0:1). College is more affordable in San Jose-Sunnyvale-Santa Clara ($17,920 vs $14,833 avg in-state tuition).

K-12 Schools

San Francisco
San Jose-Sunnyvale-Santa Clara
Schools
980
396
Enrollment
609,672
282,880
Pupil:Teacher
0:1
0:1
Charter %
1.3%
5%
Title I %
0%
0%

Colleges & Universities

San Francisco
San Jose-Sunnyvale-Santa Clara
Institutions
76
25
In-State Tuition
$17,920
$14,833
Out-of-State
$22,099
$20,736
Grad Rate
54.8%
60.9%

Frequently Asked Questions

Is San Francisco or San Jose-Sunnyvale-Santa Clara more expensive?

San Jose-Sunnyvale-Santa Clara is more expensive with a cost of living index of 213.0 vs 200.1 (national average = 100).

What salary in San Jose-Sunnyvale-Santa Clara equals $70,000 in San Francisco?

You would need to earn approximately $69,465 in San Jose-Sunnyvale-Santa Clara to maintain the same purchasing power as a $70,000 salary in San Francisco, after accounting for taxes, rent, and cost of living differences.

How much is rent in San Francisco vs San Jose-Sunnyvale-Santa Clara?

Average annual rent for a 2-bedroom apartment is $43,248 in San Francisco and $41,796 in San Jose-Sunnyvale-Santa Clara—housing is 3% less in San Jose-Sunnyvale-Santa Clara.