Cost of Living in San Francisco, CA
A comprehensive look at housing costs in San Francisco for 2025.
Crisis
Affordability Score
Home Price
🏠$1.4M
Monthly Rent
🔑$3,100
Monthly Mortgage
🏦$7,185
7% rate, 20% down
Median Income
💰$120K
Housing Costs Overview
The median home price in San Francisco is $1.4M, which is 229% higher than the national median of $410K. The median rent is $3,100/month, 107% above the national median.
Monthly Mortgage Breakdown
Based on 30-year fixed at 7% with 20% down payment ($270K). Total cost over 30 years: $2.6M.
Rent vs. National Average
At $3,100/month, renting in San Francisco means spending about $37K per year on housing. The rent-to-income ratio is 34.0%, which exceeds the recommended 30% threshold.
Compared to California
Home Price
$1.4M
vs $726K state
Rent
$3,100
vs $1,992 state
Income
$120K
vs $96K state
Is San Francisco Getting More Expensive?
Over the past year, home prices in San Francisco changed by 1.8% and rents by 1.0%. Price growth is moderate.