Cost of Living Comparison Between New York City and San Francisco, United States in 2026

Summary of Cost Of Living Comparison Between New York City (city) and San Francisco (city)

• Cost of Living With Rent in San Francisco is 4.2% lower than in New York City

• Cost of Living Excluding Rent in San Francisco is 2.2% lower than in New York City

• Rental Cost in San Francisco is 5.7% lower than in New York City

• Food & Groceries Cost in San Francisco is 30.0% higher than in New York City

• Transportation Cost in San Francisco is 19.0% lower than in New York City

• Healthcare Cost in San Francisco is 6.1% lower than in New York City

• Salary in San Francisco is 12.9% higher than in New York City

Disclaimer: The data presented on this page is for informational purposes only and should be used as a general guide. Actual costs may vary significantly based on individual lifestyle choices and current economic conditions. We strive to provide up-to-date information, but prices are subject to change without notice. Always conduct thorough personal research and consult with financial professionals before making important financial or relocation decisions.
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Comparison Details

Category Subcategory Description New York City San Francisco Difference (%)
Monthly rent for your primary residence (apartments, houses, condos) $3,500.00 $3,300.00 -5.7%
Monthly electricity bill $140.00 $95.00 -32.1%
Monthly running water bill $30.00 $35.00 16.7%
Monthly broadband internet subscription with unlimited data and cable TV $140.00 $165.00 17.9%
Monthly gas and heating expenses $115.00 $75.00 -34.8%
Monthly mobile phone plan with data and calling $55.00 $60.00 9.1%
Monthly food and grocery expenses $500.00 $650.00 30.0%
Monthly expenses for basic household supplies and personal hygiene items (toiletries, cleaning supplies, and paper products) $70.00 $75.00 7.1%
Monthly transportation costs (public transit, vehicle ownership, or ride-sharing) $210.00 $170.00 -19.0%
Monthly expenses for movies, coffee, drinks, and social activities (excluding shopping & dining) $200.00 $240.00 20.0%
Monthly expenses for clothing, shoes, and accessories $225.00 $120.00 -46.7%
Monthly health insurance cost $680.00 $725.00 6.6%
Monthly prescription medications and pharmacy expenses $60.00 $85.00 41.7%
Monthly doctor visits and dental care expenses $250.00 $120.00 -52.0%
Monthly gym membership $75.00 $65.00 -13.3%
Monthly expenses for laundry and housekeeping services $400.00 $280.00 -30.0%
Monthly expenses for food and basic care per pet (grooming, veterinary visits, treats, and medications) $220.00 $280.00 27.3%
Monthly childcare and school fees $0.00 $0.00 0%
Total (selected items only) $6,175.00 $5,915.00 -4.2%

Salary Comparison

Category Subcategory Description New York City San Francisco Difference (%)
Salary Salary Monthly salary (full-time) $7,083.00 $8,000.00 12.9%

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