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San Francisco, California

USA · Comprehensive city data and intelligence

49
Overall Score

San Francisco, California, is a globally renowned city occupying a picturesque hilly peninsula between the Pacific Ocean and San Francisco Bay. Founded during the Spanish mission era and rapidly expanded during the 1849 Gold Rush, the city has evolved into a vibrant hub of culture, progressive politics, and technological innovation. Characterized by its iconic Victorian architecture, rolling fog, cable cars, and dramatic waterfront views, San Francisco attracts diverse professionals, artists, and entrepreneurs from across the globe who are drawn to its dynamic metropolitan energy and scenic beauty.

About California

California is a diverse and populous state known for its significant economic output, ranking as the fourth largest economy globally if it were an independent nation. Its economy is driven by major industries such as technology (especially in Silicon Valley), real estate, finance, professional services, manufacturing, agriculture, and healthcare. Living in California generally entails a high cost of living, particularly for housing, which is significantly above the national average. The state boasts a varied climate, ranging from a Mediterranean-like environment with warm, dry summers and mild, wet winters in coastal and central areas, to hotter, drier inland summers and colder, snowier conditions at higher altitudes. The lifestyle often emphasizes outdoor activities, health and wellness, and a diverse cultural experience, though it can also involve considerable traffic in major urban centers.

826,079
Population
$100K
Avg Salary
168
Cost Index
48.9
Quality Score
How this 49/100 was calculated five components, with every reading behind them
Component Readings used Points Weight Contributes
Safety Safety score: 52 / 100 52.0 30% 15.6
Affordability Cost of living index (100 = national baseline): 168.0 0.0 25% 0.0
Economy & jobs Median household income: $140,970 Income needed to live here: $85,000 Unemployment rate: 3.9% 88.1 20% 17.6
Growth Population growth rate: no usable reading Job growth rate: 1.5% 50.0 15% 7.5
Business climate assessment Business climate assessment: 82 / 100 82.0 10% 8.2
Overall score 48.9

Provenance. These figures were produced by the research pass recorded as Gemini (Tier 1 (fast), q=70), last refreshed 11 October 2026. They are researched estimates drawn from public sources, not a licensed data feed.

Each component is scored against fixed published endpoints, so this number is comparable with any other city and does not move as the dataset grows. Scoring framework 2026.10 — full methodology, weights and accepted ranges.

Businesses in San Francisco

Featured local businesses in San Francisco.

Put your business in front of people moving to San Francisco Featured businesses appear here for everyone researching San Francisco. Add a featured spot to your banner package, or start with a free listing.

Quality Scores

Business
82
Livability
79
Affordability
42
Growth
75

Cost of Living

Living in San Francisco entails a significantly higher cost of living compared to the national average, driven primarily by extreme housing demand and high costs for goods, services, and local taxation. While salaries and median household incomes rank among the highest in the nation, everyday expenditures such as dining out, groceries, and utilities consistently outpace standard benchmarks. High demand for urban space in a geographically constrained peninsula creates a uniquely expensive market environment.

Average Rent
$4,475/mo
Groceries
$550/mo
Transport
$105/mo
Utilities
$210/mo
Healthcare
$310/mo
Gym membership (monthly)
$95.00
Cinema ticket
$16.00
Restaurant meal (mid-range)
$35.00
Monthly groceries
$550.00
Doctor visit (without insurance)
$180.00

Salary Insights

San Francisco anchors one of the world's most powerful economic engines, historically driven by technology, finance, professional services, and biotechnology. Major employers span tech giants, venture capital firms, world-class financial institutions, and leading healthcare systems like UCSF, fostering a robust entrepreneurial ecosystem. While the post-pandemic landscape has seen shifts toward hybrid work structures and adjustments in commercial real estate, the local job market continues to offer high earning potential for specialized occupations.

The average salary in San Francisco is $100,200 per year. You would need approximately $85,000 to live comfortably.

Top Industries

Healthcare & Social Assistance +3.10% Tourism & Hospitality +2.00% Financial Services +1.50% Professional & Business Services +1.90% Technology & Software +2.40%

Climate

🌡️
58°F
Avg Temp
☀️
65°F
Summer High
❄️
46°F
Winter Low
🌧️
21.00"
Annual Rain
💧
72.00%
Humidity
🌤️
313
Sunny Days

Transport

Getting around San Francisco is facilitated by an extensive, multi-modal public transit network managed by Muni, alongside regional links like BART, ferries, and historic cable cars. The city's compact 49-square-mile grid and strong pedestrian infrastructure make it one of the most walkable urban centers in North America. While car ownership is manageable, many residents rely on public transit, cycling, and rideshare options to navigate the steep hills and dense urban landscape.

32 min
Avg Commute
80.00/10
Transit Score
87.00/10
Walkability
Low
Car Dependency

Pros & Cons

Advantages
Median household income stands high at $140,970 per the U.S. Census Bureau QuickFacts.
Access to world-class public transportation and high walkability relative to most US cities.
Thriving innovation and tech startup ecosystem with robust venture capital presence.
Abundant natural beauty, featuring Golden Gate Park and immediate proximity to coastal trails.
Renowned culinary scene featuring diverse international cuisine and Michelin-starred dining.
Drawbacks
Average rent prices remain among the highest in the United States, averaging over $4,400 per month.
Overall cost of living index is significantly elevated compared to the national average.
High property crime rates and visible street-level challenges in select downtown commercial corridors.
Steep home purchase prices with average single-family homes exceeding $1.4 million per Zillow data.
State and local tax burdens are among the highest in the nation.

Questions about San Francisco

What people ask about living in and moving to San Francisco, California.

How does the cost of living in San Francisco compare to the national average? Cost of Living 1 answer

The cost of living index in San Francisco is 168, meaning expenses are 68% higher than the national average. Housing, dining, and transportation are the biggest contributors. With an average salary of $100,200 per year, you can budget roughly 40% of income for rent, which is about $4,475 per month, and the rest for utilities, groceries, and leisure. It’s wise to create a detailed budget and factor in higher taxes and...

What is the average rent for a one‑bedroom apartment in San Francisco? Housing 1 answer

The average rent for a one‑bedroom apartment in San Francisco is about $4,475 per month. Prices vary by neighborhood; areas closer to the downtown core and waterfront tend to be at the higher end, while districts farther from the city center may offer slightly lower rates. Look for listings on local real‑estate sites or consult a broker familiar with the city’s rental market.

What kinds of jobs are most common in San Francisco? Jobs & Economy 1 answer

San Francisco’s economy is heavily driven by technology, biotechnology, and professional services. Many positions involve software development, data analysis, product management, and engineering. Additionally, the city hosts a robust startup scene and consulting firms. Job seekers should explore online job boards, attend local networking events, and consider companies that focus on innovation and digital transformati...

How do public schools in San Francisco rank compared to other cities? Schools & Education 1 answer

Public schools in San Francisco offer a mix of strong academic programs and diverse student populations. Some schools receive high ratings for STEM and arts, while others excel in community engagement. Parents can review performance metrics, graduation rates, and extracurricular offerings on the city’s education department website or through independent school rating portals.

Is San Francisco a safe city for families? Safety 1 answer

The city’s safety score is 52.0 out of 100, indicating moderate safety concerns. Crime rates vary by neighborhood, with some areas experiencing higher incidents of property crime. Families should research specific districts, consult local crime maps, and visit neighborhoods at different times to gauge safety. Community watch programs and neighborhood associations can also provide insight.

What healthcare facilities are available for residents in San Francisco? Healthcare 1 answer

The city hosts a range of hospitals, specialty clinics, and urgent‑care centers that serve both residents and visitors. Facilities cover general medicine, emergency services, and specialized care such as oncology and cardiology. Most hospitals are part of larger health networks; insurance coverage can be checked against these networks. For a comprehensive list, visit the city’s health department portal.

What public transportation options are available in San Francisco? Getting Around 1 answer

San Francisco offers a comprehensive public transit system that includes buses, light rail, and ferries. Routes cover most of the city and connect to neighboring counties. The system operates on a unified fare structure, and riders can use mobile apps to plan trips and purchase passes. For detailed schedules and route maps, consult the city’s transit authority website.

What are some must‑visit attractions in San Francisco? Things to Do 1 answer

San Francisco offers iconic landmarks, scenic parks, and vibrant cultural districts. Popular attractions include the waterfront promenade, historic bridges, and scenic viewpoints overlooking the bay. The city also hosts museums, theaters, and a variety of festivals throughout the year. Exploring neighborhoods with distinct architectural styles and culinary scenes provides a well‑rounded experience.

What should I know about moving into San Francisco? Moving Here 1 answer

When moving to San Francisco, start by securing housing, as the rental market is competitive. Arrange for utilities and internet early, and consider the city’s climate for packing. Register your vehicle and obtain a driver’s license within 30 days of residency. Familiarize yourself with local ordinances, such as recycling rules and building codes, by reviewing the city’s official municipal website.

What is the overall vibe of living in San Francisco? General 1 answer

San Francisco is known for its progressive culture, diverse population, and innovative spirit. The city blends historic charm with cutting‑edge technology, offering a mix of urban amenities and natural beauty. Residents enjoy a vibrant food scene, outdoor recreation, and a strong sense of community activism. The pace is fast, and the skyline is iconic, creating a dynamic environment for both professionals and familie...

Some answers here were drafted as a starting point and may be out of date. Live in San Francisco? Add your own.

Frequently Asked Questions

California FAQ answer

Urblytica benchmarks its Cost of Living Index against a United States national average baseline of 100. A score of 115 means a city is approximately 15% more expensive than the national average, while a score of 85 indicates it is 15% more affordable. This composite calculation is weighted across six primary expenditure categories: housing, utilities, grocery items, transportation, healthcare, and miscellaneous goods.

Urblytica aggregates housing data from multiple authoritative sources, including Multiple Listing Service (MLS) feeds, municipal property tax registries, the U.S. Census Bureau’s American Community Survey (ACS), and verified historical deed transactions. This multi-tier aggregation ensures precision in tracking median home values and rental rates.

A municipality must meet minimum data-density thresholds—including consistent reporting population samples from the U.S. Census and active residential or commercial real estate transaction feeds—to ensure statistical significance before a complete scoring profile is published.

When primary agencies (such as the Bureau of Labor Statistics or U.S. Census Bureau) issue historical data revisions or benchmark corrections, Urblytica's data pipeline automatically re-indexes affected historical archives to maintain longitudinal trend accuracy.

U.S. affordability calculations incorporate federal income tax brackets, state-specific income tax rates, and local municipal tax variations to evaluate the true net tax drag on median household earnings across different states and cities.

Local county and municipal property tax millage rates are factored directly into the housing component of the cost-of-living index to reflect recurring annual tax burdens for homeowners.

The platform aggregates state sales taxes alongside county and city surtaxes to measure consumer basket purchasing power parity accurately across different retail jurisdictions.

Utility calculations apply regional seasonal consumption weightings, incorporating high summer air conditioning loads in southern states and heavy winter heating demands in northern states.

The index tracks average out-of-pocket healthcare expenses, routine outpatient visit costs, and regional health insurance premium benchmarks published by federal health agencies.
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