Side-by-side cost of living comparison for 2026
Median Income: $56,019
Population: 2,304,580
Median Income: $119,136
Population: 873,965
When comparing Houston and San Francisco, the overall cost of living differs by 148.9%. San Francisco carries a cost index of 224 compared to Houston's 90, meaning your dollar stretches 60% further in Houston.
Housing is where the most significant gap appears between these two cities. Houston has a housing index of 82 compared to San Francisco's 295. This 213-point difference translates to substantial monthly savings on rent or mortgage payments in Houston.
Houston is more affordable for: Housing, Food & Groceries, Transportation, Healthcare, Utilities, Entertainment, Taxes.
If you earn $60,000 in Houston, you would need $149,333 in San Francisco to maintain the same standard of living. For a $100,000 salary, the equivalent would be $248,889.
The median household income in Houston is $56,019 compared to $119,136 in San Francisco. San Francisco has higher incomes, though the higher cost of living may offset this advantage.
Safety: Houston scores 5/10 while San Francisco scores 5/10 in our safety assessment.
Weather: San Francisco enjoys better weather with a score of 8/10 versus Houston's 5/10.
Job Market: San Francisco has the stronger job market (9/10) compared to Houston (7/10).
Houston 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.
