Side-by-side cost of living comparison for 2026
36% cheaper
Newark is 36% more affordable than San Francisco. A $75,000 salary in San Francisco is equivalent to $47,763 in Newark.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: New Jersey salaries · California salaries
Housing is typically the biggest factor in any cost-of-living comparison. Newark has a housing index of 149 while San Francisco sits at 327 (national average = 100). The median home in Newark costs $340,000 compared to $1,200,000 in San Francisco, a difference of $860,000. Monthly rent follows a similar pattern: $1,400 in Newark versus $3,400 in San Francisco.
Groceries and everyday expenses show a notable difference: Newark scores 103 while San Francisco scores 112.
Healthcare costs in Newark (105) are lower than San Francisco (113).
Median household income in Newark is $40,014 compared to $119,136 in San Francisco. When adjusted for cost of living, income goes further in Newark.
Amazon affiliate links