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

San Francisco$140,970
California avg$99,122
US$80,734

Median rent (per month)

San Francisco$2,476
California avg$2,036
US$1,413

Median home value

San Francisco$1,394,500
California avg$734,700
US$332,700

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

Work from home
31%
Drive alone
29%
Public transit
19%
Walk
9.4%
Other
6.4%
Carpool
5.9%

Climate

Summers are comfortable, with highs around 67°F, and winters are mild, with lows rarely dropping below 47°F.

Average month

High °FLow °FPrecip (in)
30°40°50°60°70°80°5"Jan: 4.40" precipitationFeb: 4.37" precipitationMar: 3.15" precipitationApr: 1.60" precipitationMay: 0.70" precipitationJun: 0.20" precipitationJul: 0.01" precipitationAug: 0.06" precipitationSep: 0.10" precipitationOct: 0.94" precipitationNov: 2.60" precipitationDec: 4.76" precipitation47°JJan: high 58°F, low 47°FFFeb: high 60°F, low 48°FMMar: high 62°F, low 49°FAApr: high 63°F, low 50°FMMay: high 64°F, low 51°FJJun: high 67°F, low 53°FJJul: high 66°F, low 54°FAAug: high 68°F, low 56°F70°SSep: high 70°F, low 56°FOOct: high 70°F, low 54°FNNov: high 64°F, low 51°FDDec: high 58°F, low 47°F

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.

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