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San Francisco vs Sacramento

Cost of living comparison — C2ER 2024-2025 data

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Sacramento is 38% cheaper than San Francisco overall.San Francisco has a cost of living index of 225 vs Sacramento at 140 (national average = 100). The biggest difference is housing San Francisco costs 51% more.

Pierre
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San Francisco
CA
225
COLI index
VS
Sacramento
CA
140
COLI index

Category Breakdown

CategorySan FranciscoSacramentoDifference
Overall COLI225140-38%
Housing435215-51%
Groceries119111-7%
Transport118113-4%
Healthcare108105-3%
Utilities125118-6%

Median 1BR Rent

San Francisco
$3,200/mo
Sacramento
$1,750/mo

Median Home Price

San Francisco
$1,290,000
Sacramento
$480,000

Median Household Income

San Francisco
$136,689
Sacramento
$73,198

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Frequently Asked Questions

Sacramento is cheaper to live in overall. San Francisco has a cost of living index of 225 while Sacramento has an index of 140, where 100 represents the US national average. Sacramento is 38% cheaper than San Francisco overall.

The median 1-bedroom rent in San Francisco is $3,200 per month compared to $1,750 in Sacramento. The median home price in San Francisco is $1,290,000 versus $480,000 in Sacramento. Housing is typically the largest factor in cost of living differences between cities.

San Francisco has a cost of living index of 225 and Sacramento has an index of 140, both measured against a US national average of 100. An index above 100 means more expensive than the national average — below 100 means cheaper.

To maintain the same purchasing power as a salary in San Francisco, multiply by 0.62. For example a $75,000 salary in San Francisco is equivalent to approximately $46,667 in Sacramento.

San Francisco has a median household income of $136,689 per year versus $73,198 in Sacramento. Higher incomes must be weighed against cost of living. Use the Dayblip salary tools to see specific job salaries in both cities.

Whether moving from San Francisco to Sacramento is worthwhile depends on your salary, lifestyle, and priorities. Sacramento is 38% cheaper overall — with the biggest difference in housing. Use the Dayblip cost of living calculator to enter your specific salary and see the exact dollar impact.

Last updated: June 2026

Methodology: Cost of living indices from C2ER Cost of Living Index 2024-2025. Rent data from Zillow December 2024. Home price data from Zillow Home Value Index December 2024. Household income from US Census Bureau ACS 2023. National average COLI = 100. Data updated annually.