By Ziv Shay | Updated April 2026
Side-by-side cost of living comparison for 2026
Median Income: $74,694
Population: 8,336,817
Median Income: $119,136
Population: 873,965
When comparing New York City and San Francisco, the overall cost of living differs by 19.8%. San Francisco carries a cost index of 224 compared to New York City's 187, meaning your dollar stretches 17% further in New York City.
Housing is where the most significant gap appears between these two cities. New York City has a housing index of 238 compared to San Francisco's 295. This 57-point difference translates to substantial monthly savings on rent or mortgage payments in New York City.
New York City is more affordable for: Housing, Food & Groceries, Healthcare, Entertainment.
San Francisco is more affordable for: Transportation, Utilities.
If you earn $60,000 in New York City, you would need $71,872 in San Francisco to maintain the same standard of living. For a $100,000 salary, the equivalent would be $119,786.
The median household income in New York City is $74,694 compared to $119,136 in San Francisco. San Francisco has higher incomes, though the higher cost of living may offset this advantage.
Safety: New York City 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 New York City's 5/10.
Job Market: Both cities have comparable job markets at 9/10.
New York City 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.
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