San Jose vs San Francisco
A head-to-head cost of living comparison for 2025. See which city offers better value for your money.
Data Updated: Feb 2026 • IRS • BLS
Based on monthly expenses
San Jose is $340/month cheaper
That's $4,080/year in potential savings
Category
San Jose
San Francisco
Difference
Rent (1br)
$2,900
$3,200
+10%
Groceries
$480
$500
+4%
Utilities
$220
$250
+14%
Transport
$140
$130
-7%
Total Monthly
$3,740
$4,080
Tax Comparison ($100k Salary)
San Jose
Federal Tax$13,614
State Tax$5,437.63
FICA$7,650
Net Pay$73,298.37
San Francisco
Federal Tax$13,614
State Tax$5,437.63
FICA$7,650
Net Pay$73,298.37