Side-by-side cost of living comparison for 2026
38% cheaper
Denver is 38% more affordable than San Francisco. A $75,000 salary in San Francisco is equivalent to $46,579 in Denver.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: Colorado salaries · California salaries
Housing is typically the biggest factor in any cost-of-living comparison. Denver has a housing index of 152 while San Francisco sits at 327 (national average = 100). The median home in Denver costs $520,000 compared to $1,200,000 in San Francisco, a difference of $680,000. Monthly rent follows a similar pattern: $1,900 in Denver versus $3,400 in San Francisco.
Groceries and everyday expenses show a notable difference: Denver scores 102 while San Francisco scores 112.
Healthcare costs in Denver (104) are lower than San Francisco (113).
Median household income in Denver is $72,661 compared to $119,136 in San Francisco. When adjusted for cost of living, income goes further in Denver.
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