By Ziv Shay | Updated April 2026
Side-by-side cost of living comparison for 2026
Median Income: $119,136
Population: 873,965
Median Income: $97,185
Population: 737,015
When comparing San Francisco and Seattle, the overall cost of living differs by 27.7%. San Francisco carries a cost index of 224 compared to Seattle's 162, meaning your dollar stretches 28% further in Seattle.
Housing is where the most significant gap appears between these two cities. Seattle has a housing index of 195 compared to San Francisco's 295. This 100-point difference translates to substantial monthly savings on rent or mortgage payments in Seattle.
Seattle is more affordable across all categories.
Seattle is more affordable for: Housing, Food & Groceries, Transportation, Healthcare, Utilities, Entertainment, Taxes.
If you earn $60,000 in San Francisco, you would need $43,393 in Seattle to maintain the same standard of living. For a $100,000 salary, the equivalent would be $72,321.
The median household income in San Francisco is $119,136 compared to $97,185 in Seattle. While San Francisco has higher incomes, the higher cost of living may offset this advantage.
Safety: San Francisco scores 5/10 while Seattle scores 6/10 in our safety assessment.
Weather: San Francisco has an edge in climate with a 8/10 weather score compared to Seattle's 5/10.
Job Market: Both cities have comparable job markets at 9/10.
Seattle 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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