San Francisco vs Austin: Cost of Living Comparison
Compare cost of living between San Francisco, CA and Austin, TX. Side-by-side breakdown of housing costs, rent, groceries, utilities, transportation, healthcare, state taxes, and salary equivalents.
vs
City A
San Francisco
California
Cost Index115.6
Median Rent$2,476/mo
Median Income$141K
State Tax13.3%
Above Average
City B
Austin
Texas
Cost Index98.1
Median Rent$1,729/mo
Median Income$94K
State TaxNone
Below Average
Better value overall
Salary Equivalency Calculator
How much would you need in Austin to match your lifestyle in San Francisco?
$80,000
San Francisco
$80,000
Cost Index: 115.6
Austin
$67,858
Cost Index: 98.1
You need $12,142 less in Austin to maintain the same lifestyle.
Category-by-Category Breakdown
Index scores where 100 = national average. Green highlights the city with the advantage.
Overall Cost Index-15.2%
San Francisco115.6
Austin98.1
Median Rent-30.2%
San Francisco$2K
Austin$2K
Median Income-33.6%
San Francisco$141K
Austin$94K
Grocery Index-73.8%
San Francisco382.2
Austin100.0
Utilities Index~equal
San Francisco100.0
Austin100.0
Transportation-62.5%
San Francisco267.0
Austin100.0
Healthcare~equal
San Francisco100.0
Austin100.0
State Tax Rate-100.0%
San Francisco13.30%
AustinNone
Side-by-Side Chart
San Francisco: Pros & Cons
Higher median income ($141K)
15% higher overall cost of living
Higher rent — $2,476/mo vs $1,729/mo
Higher state income tax (13.3%)
Austin: Pros & Cons
15% lower overall cost of living
Lower rent — $1,729/mo vs $2,476/mo
Lower state income tax (none)
Lower grocery costs
Lower unemployment (3.2%)
San Francisco vs Austin – FAQ
Common questions about comparing cost of living between San Francisco and Austin.
San Francisco has a cost of living index of 115.6, while Austin scores 98.1. San Francisco is approximately -15.2% more expensive overall. This comparison accounts for housing, groceries, utilities, transportation, healthcare, and taxes.
Median 2-bedroom rent in San Francisco is $2,476/month compared to $1,729/month in Austin — a difference of 30%. Rent is typically the largest monthly expense, so this significantly impacts overall affordability.
Due to cost of living differences, you would need approximately 85% of your San Francisco salary to maintain the same standard of living in Austin. For example, a $75,000 salary in San Francisco would need to be about $63,617 in Austin. Use the salary slider above to calculate your specific equivalent.
The cost of living index is calculated using data from the Bureau of Economic Analysis (Regional Price Parities), US Census Bureau (median incomes and home values), HUD (Fair Market Rents), and Bureau of Labor Statistics (consumer price data). A score of 100 represents the national average. Scores above 100 indicate higher-than-average costs, while scores below 100 are more affordable.
San Francisco has a median household income of $140,970 with an unemployment rate of 4.1%. Austin has a median household income of $93,658 with an unemployment rate of 3.2%. While income is higher in San Francisco, remember to factor in cost of living when comparing real purchasing power.
Beyond cost of living, consider: (1) state income tax differences — some states have no income tax; (2) housing market trends and whether to rent or buy; (3) job market strength in your industry; (4) healthcare costs and access; (5) climate and lifestyle preferences; (6) commute times and transportation options; and (7) proximity to family. Our comparison tool covers the financial factors, but quality of life matters too.