Side-by-side cost of living comparison for 2026
44% cheaper
Austin is 44% more affordable than San Francisco. A $75,000 salary in San Francisco is equivalent to $42,237 in Austin.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: Texas salaries · California salaries
Housing is typically the biggest factor in any cost-of-living comparison. Austin has a housing index of 123 while San Francisco sits at 327 (national average = 100). The median home in Austin costs $430,000 compared to $1,200,000 in San Francisco, a difference of $770,000. Monthly rent follows a similar pattern: $1,700 in Austin versus $3,400 in San Francisco.
Groceries and everyday expenses show a notable difference: Austin scores 96 while San Francisco scores 112.
Healthcare costs in Austin (97) are lower than San Francisco (113).
Median household income in Austin is $75,413 compared to $119,136 in San Francisco. When adjusted for cost of living, income goes further in Austin.
Amazon affiliate links