New York vs San Francisco

Cost of living comparison for 2026. San Francisco is roughly 50% more affordable than New York (index 89 vs 179, New York = 100). Data sourced live via AI — updated regularly.

San Francisco
More affordable overall
50% cheaper than New York · Cost index: 89 vs 179

Head-to-Head Stats

179Cost Index89
5,344Median Income /mo8,160
72Safety Index45
37Income Tax %37
450Internet (Mbps)150
400Coworking /mo450

Price Breakdown

New YorkCategorySan Francisco
$5,161/month
1-BR Apartment (Center)
41% ← cheaper
$3,024/month
$5.43/liter
Meal for One
6% ← cheaper
$5.11/liter
$18/meal
Restaurant (Mid-range)
28% cheaper →
$25/meal
$120/month
Monthly Transit Pass
18% ← cheaper
$98/month
$275/month
Utilities (Monthly)
29% cheaper →
$389/month
$200/visit
Doctor Visit
25% ← cheaper
$150/visit

Digital Nomad Profile

New York

Internet450 Mbps
Coworking$400/mo
Café WiFiexcellent
Englishhigh
Communitylarge
Walkability89/100

San Francisco

Internet150 Mbps
Coworking$450/mo
Café WiFiexcellent
Englishhigh
Communitylarge
Walkability87/100

Frequently Asked Questions

Is New York cheaper than San Francisco?

San Francisco is cheaper than New York. San Francisco has a cost of living index of 89/100 compared to 179/100 for New York, making it roughly 50% more affordable overall.

How much cheaper is San Francisco than New York?

San Francisco is approximately 50% cheaper than New York based on cost index scores (89 vs 179, where New York = 100). A person spending $3,000/month in New York could live a similar lifestyle for roughly $1,492/month in San Francisco.

What is the rent comparison between New York and San Francisco?

In New York, a 1-bedroom apartment in the city center costs approximately $5,161/month. In San Francisco, the equivalent is around $3,024/month.

Which city is better for digital nomads — New York or San Francisco?

Both cities have nomad infrastructure. New York offers 450 Mbps internet and coworking at ~$400/month. San Francisco offers 150 Mbps and coworking at ~$450/month. San Francisco has a cost advantage of 50%.

What is the average income in New York vs San Francisco?

The median net monthly salary in New York is approximately $5,344 USD, compared to $8,160 USD in San Francisco.

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