What it's like to live in San Francisco
San Francisco is a major city in California with household incomes running above the national average, a highly educated workforce, and public transit that many commuters actually use. Those factors carry real weight for anyone weighing where to move next.
The tradeoffs are worth naming plainly. San Francisco deals with rent well above the national average, home prices well above the national average, crime rates above the national average, and commute times longer than most cities.
The good
- Higher-than-average incomes
- Highly educated workforce
- Public transit that many commuters use
The not so good
- Rent well above the national average
- High home prices
- Crime above national average
- Above-average commute times
- Shrinking population
- High student-teacher ratio
How San Francisco compares
Median household income
Median rent (per month)
Median home value
What it takes to move to San Francisco
Based on San Francisco's median rent, home value and household income
To rent
$4,952
up front: first month plus a typical one-month deposit
- Income to keep rent under 30%: $99,040 a year
- 38% of San Francisco renters spend 30% or more of their income on rent
To buy
$278,900
a 20% down payment on the median home
- With 10% down: $139,450
- Homes cost 9.9× the typical local household income (US: 4.1×)
Moving costs, closing costs and taxes not included.
The details
Cost of living▲ 75% above US
$2,476/mo median rent
Rent is expensive here, at $2,476 a month median and well above the national average. This is the kind of city where housing costs deserve serious budgeting before committing to a move. Home prices are steep, with a median around $1,394,500. Renting first to get a feel for the city before buying is often the more practical route.
Median home value $1,394,500 · 38% of renters cost-burdened
Job marketNear US average
4.1% unemployment
Unemployment here is 4.1%, close to the national average of 4.3%.
City-level (BLS)
Safety▲ 48% above US
486 violent crimes per 100k
Crime is worth weighing seriously here. Rates run above the national average, and while plenty of residents live comfortably, neighborhood selection matters a lot more than it does in a safer city.
Property crime 2960/100k · San Francisco Police Department · 2025 data
Getting around▲ 17% above US
30 min average commute
Traffic is a real factor here. The 30.4 minute average means plenty of commuters are pushing 45 to 60 minutes on a bad day. Proximity to work matters more here than it might elsewhere. 3 in 10 workers drive to work; 19% take public transit; 31% work from home.
How workers get to work
Climate
Summers are comfortable, with highs around 67°F, and winters are mild, with lows rarely dropping below 47°F.
Average month
30-year averages, 1991–2020
Healthcare
14 hospitals
There are 14 Medicare-certified hospitals inside city limits. They average 3.4 out of 5 on Medicare's star rating.
Medicare-certified hospitals
Education & workforce▲ 68% above US
60% bachelor's degree or higher
This is a highly educated city, with over half the adult population holding a college degree. That tends to shape the job market and the broader culture, and it's a solid indicator of a strong professional scene.
Schools
132 public schools inside the boundary
There are 132 public schools inside the boundary and 90 private schools. The student-to-teacher ratio is 21:1, above the national average of 16:1.
Parks & recreation
The nearest national park or historic site is San Francisco Maritime National Historical Park (2 miles away). There are 8 national parks and sites within a day's drive.
Bottom line
San Francisco's strongest points are household incomes running above the national average and a highly educated workforce; the main tradeoffs are rent well above the national average and home prices well above the national average. A year of median rent ($2,476/mo) equals 21% of the median household income here, about the same as the 21% typical nationwide. It tends to suit remote workers (31% of workers here already work from home), people who would rather not drive, and college-educated professionals. It may be a harder fit for renters on a tight budget.
See all the data for San Francisco →·All California cities →
Other places near San Francisco
All California guides →Moving to Daly City →
7 mi away · pop. 101,964
Rent $2,551/mo · Income $123,547
Compare with San Francisco →Moving to Emeryville →
8 mi away · pop. 13,081
Rent $2,936/mo · Income $117,092
Compare with San Francisco →Moving to Alameda →
8 mi away · pop. 77,238
Rent $2,474/mo · Income $137,697
Compare with San Francisco →Moving to Albany →
9 mi away · pop. 19,414
Rent $2,445/mo · Income $144,107
Compare with San Francisco →Not sure San Francisco is the one?
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