San Francisco, California
Living in San Francisco, California is about 45% more expensive than the national average, with a cost of living index of 145 (US = 100). Typical rent is $3,445 a month, 78% above the national figure of $1,932, and regular gas costs $5.71 a gallon versus $3.98 nationally as of November 11, 2026. Rent, gas, groceries, electricity and car insurance take about 41% of the area's $141,446 median household income.
Key Numbers
Gas (Regular)
$5.71
National: $3.98
Avg Rent (All)
$3,445
National: $1,932
Grocery Inflation
1.77%
Year-over-year
Fast Food Avg
$17.50
Combo meal
Electricity
29.75¢
per kWh · ~$268/mo
Car Insurance
$210/mo
$2,520/yr
Median Household Income
$141,446
40.7% goes to essentials
Car Insurance
Avg $2,520 in San Francisco. Compare rates:
📸 Help make this data more accurate
Some prices above are regional estimates. Submit a receipt from a local store to help us show what San Francisco residents actually pay.
Save on Gas
Find the cheapest gas near San Francisco:
Find Apartments
Avg rent $3,445/mo in San Francisco. Browse listings:
Grocery Prices
Grocery Prices — 2000 to Present
National BLS averages · submit local prices below ↓
Eggs (dozen)
Avian flu volatility
$0.97 in 2000 → $2.32 BLS avg
Milk (gallon)
$2.79 in 2000 → $4.10 BLS avg
Bread (loaf)
$0.91 in 2000 → $1.86 BLS avg
Ground Beef (lb)
$1.48 in 2000 → $6.75 BLS avg
Chicken Breast (lb)
$1.06 in 2000 → $2.03 BLS avg
Bacon (lb)
$2.75 in 2000 → $6.69 BLS avg
Cheddar Cheese (lb)
$3.84 in 2000 → $6.13 BLS avg
Pasta (lb)
$0.88 in 2000 → $1.38 BLS avg
Rice (5 lb)
$2.50 in 2000 → $5.50 BLS avg
Coffee (12 oz)
$2.65 in 2000 → $6.94 BLS avg
Orange Juice (64 oz)
Citrus shortage
$5.42 estimate
Potatoes (5 lb)
$1.96 in 2000 → $4.95 BLS avg
Apples (3 lb)
$5.20 estimate
Tomatoes (lb)
$1.44 in 2000 → $2.08 BLS avg
Lettuce (head)
$0.75 in 2000 → $1.96 BLS avg
Cooking Oil (48 oz)
$7.76 estimate
Yogurt (32 oz)
$4.94 estimate
Cereal (family size)
$6.20 estimate
Frozen Pizza
$8.65 estimate
| Item | 2000 | 2005 | 2010 | 2015 | 2020 | 2022 | 2026 | Since 2000 |
|---|---|---|---|---|---|---|---|---|
| Eggs (dozen)Avian flu volatility | $0.97 | $1.21 | $1.79 | $2.11 | $1.46 | $1.93 | $2.32 | +137.9% |
| Milk (gallon) | $2.79 | $3.30 | $3.24 | $3.76 | $3.25 | $3.79 | $4.10 | +47.3% |
| Bread (loaf) | $0.91 | $1.00 | $1.36 | $1.48 | $1.35 | $1.55 | $1.86 | +105.2% |
| Ground Beef (lb) | $1.48 | $2.19 | $2.28 | $4.24 | $3.89 | $4.55 | $6.75 | +355.5% |
| Chicken Breast (lb) | $1.06 | $1.03 | $1.26 | $1.55 | $1.41 | $1.62 | $2.03 | +91.3% |
| Bacon (lb) | $2.75 | $3.37 | $3.63 | $5.59 | $5.50 | $7.22 | $6.69 | +143.1% |
| Cheddar Cheese (lb) | $3.84 | $4.21 | $4.72 | $5.40 | $5.20 | $5.32 | $6.13 | +59.6% |
| Pasta (lb) | $0.88 | $0.94 | $1.15 | $1.26 | $1.23 | $1.12 | $1.38 | +57.1% |
| Rice (5 lb) | $2.50 | $2.98 | $3.77 | $3.46 | $3.58 | $4.16 | $5.50 | +120.6% |
| Coffee (12 oz) | $2.65 | $2.29 | $2.86 | $3.55 | $3.13 | $3.85 | $6.94 | +161.3% |
| Orange Juice (64 oz)Citrus shortageLocal estimate | — | — | — | — | — | $3.72 | $5.42 | +45.7% since 2022 |
| Potatoes (5 lb) | $1.96 | $2.29 | $2.81 | $3.34 | $4.01 | $3.96 | $4.95 | +152.6% |
| Apples (3 lb)Local estimate | — | — | — | — | — | $4.49 | $5.20 | +15.8% since 2022 |
| Tomatoes (lb) | $1.44 | $1.66 | $1.84 | $2.09 | $2.22 | $1.89 | $2.08 | +44.4% |
| Lettuce (head) | $0.75 | $0.82 | $0.90 | $1.17 | $1.34 | — | $1.96 | +162.3% |
| Cooking Oil (48 oz)Local estimate | — | — | — | — | — | $5.54 | $7.76 | +40.1% since 2022 |
| Yogurt (32 oz)Local estimate | — | — | — | — | — | $4.15 | $4.94 | +19.0% since 2022 |
| Cereal (family size)Local estimate | — | — | — | — | — | $4.79 | $6.20 | +29.4% since 2022 |
| Frozen PizzaLocal estimate | — | — | — | — | — | $6.31 | $8.65 | +37.1% since 2022 |
Dining & Restaurants
Fast Food Meal
$17.50
Casual Dining
$42.00
Monthly Spend
$580
+4.8% YoYChain Restaurant Meal Prices — 2022 vs. Today
Combo meal / typical order for one
McDonald's
2022: $10.94
$17.50
+60.0%Wendy's
2022: $11.81
$18.90
+60.0%Chipotle
2022: $12.25
$19.60
+60.0%Starbucks
2022: $6.02
$7.35
+22.1%Eating out more? Save on groceries with Ibotta and cook at home more often.
Looking for an Apartment in San Francisco?
Average 1BR: $2,825/mo · 2BR: $4,065/mo
Local Workforce
2024 · BLS QCEWTotal Jobs
708k
Median Weekly Pay
$3,348
$174k/yr
Top Sector
Professional & Business Services
Household vs Worker Pay
$141k
household median
Employment by Sector — San Francisco
% of local workforce · avg weekly wage · 5-year growth trend
~$228k/yr
~$72k/yr
~$55k/yr
~$181k/yr
~$343k/yr
Source: BLS QCEW 2024 Annual · County FIPS 06075
Highest Paying Sector
Information
$6,592/wk · $343k/yr
Most Workers (lowest wage)
Leisure & Hospitality
$1,051/wk · $55k/yr
San Francisco Cost of Living FAQ
Is San Francisco, CA expensive to live in?
San Francisco has a cost of living index of 145, where 100 is the US average, so it is about 45% more expensive than average. It is the 12th most affordable of the 30 California cities we track.
What is the average rent in San Francisco, CA?
Typical rent in San Francisco is $3,445 a month for all home types as of September 2026, 78% above the national figure of $1,932. One bedroom units average about $2,825 and two bedrooms about $4,065. Source: Zillow Observed Rent Index for the metro area.
Is rent going up in San Francisco?
Rent in San Francisco rose 11.8% over the past year, faster than the 2.7% change nationally.
How much is gas in San Francisco?
Regular unleaded costs about $5.71 a gallon in San Francisco as of November 11, 2026, based on the AAA average for California. That is 44% above the national average of $3.98.
How much is electricity in San Francisco?
Homes in California pay an average of 29.8 cents per kWh (EIA), versus 18.4 cents nationally. At 900 kWh a month, a typical bill in San Francisco is about $268.
How much is car insurance in San Francisco?
Full coverage car insurance averages $2,520 a year in California, or about $210 a month (Bankrate and NAIC state average), compared with $2,150 a year nationally.
How much do you need to live in San Francisco?
Median household income in the San Francisco area is $141,446 (Census ACS 2023, county level). Rent, gas, groceries, electricity and car insurance add up to about $57,612 a year, or 41% of that income. Groceries are counted at $7,112 a year, the average household spend on food at home in the region (BLS Consumer Expenditure Survey).
How does San Francisco compare with the rest of California?
Rent in San Francisco is 42% above the $2,424 average across the 30 California cities we track, and its cost of living index of 145 compares with a state average of 137.
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