Side-by-side cost of living comparison for 2026
Median Income: $49,127
Population: 1,603,797
Median Income: $119,136
Population: 873,965
When comparing Philadelphia and San Francisco, the overall cost of living differs by 100%. San Francisco carries a cost index of 224 compared to Philadelphia's 112, meaning your dollar stretches 50% further in Philadelphia.
Housing is where the most significant gap appears between these two cities. Philadelphia has a housing index of 112 compared to San Francisco's 295. This 183-point difference translates to substantial monthly savings on rent or mortgage payments in Philadelphia.
Philadelphia is more affordable for: Housing, Food & Groceries, Transportation, Healthcare, Utilities, Entertainment, Taxes.
If you earn $60,000 in Philadelphia, you would need $120,000 in San Francisco to maintain the same standard of living. For a $100,000 salary, the equivalent would be $200,000.
The median household income in Philadelphia is $49,127 compared to $119,136 in San Francisco. San Francisco has higher incomes, though the higher cost of living may offset this advantage.
Safety: Philadelphia scores 4/10 while San Francisco scores 5/10 in our safety assessment.
Weather: San Francisco enjoys better weather with a score of 8/10 versus Philadelphia's 5/10.
Job Market: San Francisco has the stronger job market (9/10) compared to Philadelphia (6/10).
Philadelphia 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.
