Side-by-side cost of living comparison for 2026
Median Income: $75,413
Population: 978,908
Median Income: $119,136
Population: 873,965
When comparing Austin and San Francisco, the overall cost of living differs by 107.4%. San Francisco carries a cost index of 224 compared to Austin's 108, meaning your dollar stretches 52% further in Austin.
Housing is where the most significant gap appears between these two cities. Austin has a housing index of 120 compared to San Francisco's 295. This 175-point difference translates to substantial monthly savings on rent or mortgage payments in Austin.
Austin is more affordable for: Housing, Food & Groceries, Transportation, Healthcare, Utilities, Entertainment, Taxes.
If you earn $60,000 in Austin, you would need $124,444 in San Francisco to maintain the same standard of living. For a $100,000 salary, the equivalent would be $207,407.
The median household income in Austin is $75,413 compared to $119,136 in San Francisco. San Francisco has higher incomes, though the higher cost of living may offset this advantage.
Safety: Austin scores 7/10 while San Francisco scores 5/10 in our safety assessment.
Weather: San Francisco enjoys better weather with a score of 8/10 versus Austin's 6/10.
Job Market: Both cities have comparable job markets at 9/10.
Austin is the more affordable option overall, but cost is just one factor in deciding where to live. Consider your career opportunities, family needs, and lifestyle preferences alongside the financial comparison. San Francisco may justify its higher costs with a thriving job market that many residents find worthwhile.
