Side-by-side cost of living comparison for 2026
Median Income: $119,136
Population: 873,965
Median Income: $74,694
Population: 8,336,817
When comparing San Francisco and New York City, the overall cost of living differs by 16.5%. 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.
San Francisco is more affordable for: Transportation, Utilities.
New York City is more affordable for: Housing, Food & Groceries, Healthcare, Entertainment.
If you earn $60,000 in San Francisco, you would need $50,089 in New York City to maintain the same standard of living. For a $100,000 salary, the equivalent would be $83,482.
The median household income in San Francisco is $119,136 compared to $74,694 in New York City. While San Francisco has higher incomes, the higher cost of living may offset this advantage.
Safety: San Francisco scores 5/10 while New York City scores 5/10 in our safety assessment.
Weather: San Francisco has an edge in climate with a 8/10 weather score compared to 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.
