San Francisco vs. Phoenix
San Francisco, CA · Phoenix, AZ
Phoenix is 50% cheaper than San Francisco overall.
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Home Price
CA: $1,350,000
AZ: $420,000
Monthly Rent
CA: $3,498/mo
AZ: $1,150/mo
COL Index
CA: 214
AZ: 106
Median Income
CA: $131,000
AZ: $67,600
Side-by-Side Comparison
Median Home Price
Monthly Rent (Median)
Median Household Income
Property Tax Rate
Cost of Living Index
100 = national average
Avg. Commute
Unemployment Rate
Median Age
What This Means For You
Headline insight
Buying Power
A $100,000 salary in San Francisco has the same purchasing power as $49,533 in Phoenix— based on each city's cost of living index.
Housing
Homes in Phoenix cost 69% more (-$930,000 extra). Expect a larger mortgage and down payment.
Renting
Renting in Phoenix saves $2,348/month — $28,176 per year. Median rent: $3,498/mo in San Francisco vs $1,150/mo in Phoenix.
Property Taxes
On a median-priced home, San Francisco owners pay roughly $8,505/year vs $2,604/year in Phoenix. Rates are comparable.
Local Earnings
Median household income is $131,000 in San Francisco and $67,600 in Phoenix. Phoenix residents earn 48% more — but factor in cost of living.
Daily Commute
Average commute is 34 minutes in San Francisco vs 26 minutes in Phoenix. Over a year, that's 4000 extra minutes (67 hours) of commuting in San Francisco.
Salary Equivalence
To maintain the same lifestyle when moving from San Francisco to Phoenix, here's the salary you'd need:
| Salary in San Francisco | Equivalent in Phoenix | Difference |
|---|---|---|
| $50,000 | $24,766 | -$25,234 |
| $75,000 | $37,150 | -$37,850 |
| $100,000 | $49,533 | -$50,467 |
| $150,000 | $74,299 | -$75,701 |
| $200,000 | $99,065 | -$100,935 |
* Calculated using cost of living indices (national average = 100). Does not account for state income tax differences.
Run the Numbers
Mortgage Calculator
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Rent vs Buy
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Cost of Living
Full cost of living comparison tool
Home Appreciation
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Affordability Calculator
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Property Tax Calculator
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San Francisco Calculators
Phoenix Calculators
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San Francisco vs Phoenix: Common Questions
Is San Francisco or Phoenix cheaper to live in?
Based on cost of living indices, Phoenix is cheaper overall. San Francisco has a COL index of 214 while Phoenix scores 106 (national average = 100).
How do home prices compare between San Francisco and Phoenix?
The median home price in San Francisco is $1,350,000 vs $420,000 in Phoenix — a difference of $930,000 (69%).
What salary do I need in Phoenix to match my San Francisco income?
Use the salary equivalence table above. For example, a $100K salary in San Francisco is equivalent to $49,533 in Phoenix in terms of purchasing power.
Which city has lower property taxes?
Phoenix has a lower property tax rate (0.62% vs 0.63%). On a median-priced home, that means paying $2,604/year vs $8,505/year.
How does rent compare in San Francisco vs Phoenix?
Median monthly rent: $3,498 in San Francisco vs $1,150 in Phoenix. Annualized: $41,976 vs $13,800.
What is the median household income in each city?
San Francisco: $131,000/yr. Phoenix: $67,600/yr (Census ACS).
Which city is better for remote workers?
Lower-cost Phoenix typically lets remote-workers keeping a coastal salary stretch further. Higher-cost cities usually win on amenities and labor-market depth.
Where does the data on this comparison come from?
Numbers are pulled from Zillow ZHVI/ZORI (home values, rent), the U.S. Census Bureau ACS (income), and BEA RPP (cost-of-living index). Each value is timestamped on the page.
How often is this comparison updated?
Source feeds refresh on their native cadence — hourly for mortgage rates, monthly for ZHVI/ZORI, annually for ACS. Page caches revalidate every 24 hours via Next.js ISR.
Does this comparison replace tax or financial advice?
No. This page is educational reference using public data and standard formulas. It is not personalized tax, legal, or investment advice. Consult a licensed professional for material decisions.
Sources & Citations
- Zillow Research — Zillow Home Value Index (ZHVI) and Observed Rent Index (ZORI) — zillow.com/research/data
- U.S. Census Bureau — American Community Survey (ACS) 5-year estimates for median household income, median age, commute time — census.gov/acs
- Bureau of Economic Analysis — Regional Price Parities (RPP) by state and metro — bea.gov/rpp
- Tax Foundation — effective property tax rates and state tax rates — taxfoundation.org
- U.S. Bureau of Labor Statistics — unemployment rates and regional CPI — bls.gov
- Council for Community and Economic Research (C2ER) — Cost of Living Index — coli.org
Methodology & Assumptions
City-level metrics (median home price, median rent, median household income, property tax rate, COL index, commute, unemployment, median age) are sourced from Zillow ZHVI/ZORI[1], Census ACS 5-year estimates[2], BEA Regional Price Parities[3], Tax Foundation[4], and BLS Local Area Unemployment Statistics[5].
The Cost of Living Index uses 100 = national average (C2ER methodology[6]): values above 100 indicate a city is more expensive than the national average, below 100 less expensive.
Salary equivalence uses the ratio adjustedSalary = salary × (colDestination / colOrigin). This accounts for cost-of-living differences but does not model state income tax variation, which can be significant.
Annual property tax is computed as medianHomePrice × propertyTaxRate. Actual assessed value may differ from sale price. Effective rates vary within a metro; these are metro-wide medians.
Commute-hours calculations assume 250 working days/year and a round-trip commute. "Tied" in the comparison table means values within ±1% of each other.
Last reviewed reflects the maximum retrievedAt timestamp across every sourced dataset feeding this page. When any source refreshes, the next ISR revalidation (every 24 hours) picks the new date.
Cost of living data sourced from [6] C2ER, [2] U.S. Census Bureau, and [1] Zillow Research. Tax rates from [4] Tax Foundation. Last reviewed .