Boston wins overall by ~20% (COL index)
Cost of living: San Francisco vs Boston (2026)
A $110,000 salary in San Francisco buys roughly what $91,856 does in Boston (COL-adjusted). Your real trade-offs are taxes, rent, and day-to-day prices — we break them down and personalize below.
Your move simulator
Tell us about your household — we calculate your real annual savings.
Estimated annual swing
−$15,081/yr
Favoring Boston for this income & household (illustrative).
With the extra $1,257/mo, you could pay down a $15,000 card balance in ~12 months and still keep ~$151/mo for dining out.
Studio rent/mo
1BR rent/mo
2BR rent/mo
Median home price
Groceries index (100 = US avg)
Budget meal (1 person)
Mid-range dinner (2)
Monthly transit pass/mo
Gas price/gal
Car insurance/mo
Monthly utilities bundle/mo
Internet/mo
Median household income/yr
State income tax%
Sales tax (combined)%
Movie ticket
Gym membership/mo
Beer at restaurant
Overall COL index (100 = US avg)
Walk score / 100
| Category | San Francisco California | Boston Massachusetts | Who wins | Your impact at $110K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $2,900 | $2,400Wins | Boston wins −$500/mo | $6,000/yr saves in Boston |
| 1BR rent/mo | $3,600 | $3,000Wins | Boston wins −$600/mo | $7,200/yr saves in Boston |
| 2BR rent/mo | $5,200 | $4,000Wins | Boston wins −$1,200/mo | $14,400/yr saves in Boston |
| Median home price | $1.2M | $700KWins | Boston wins −$500K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 118 | 110Better | Boston wins -8 | — |
| Budget meal (1 person) | $22 | $18Wins | Boston wins −$4/mo | — |
| Mid-range dinner (2) | $90 | $75Wins | Boston wins −$15/mo | — |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $100 | $90Better | Boston wins −$10/mo | — |
| Gas price/gal | $4.80 | $3.40Wins | Boston wins −$1.40 | — |
| Car insurance/mo | $180 | $165Better | Boston wins −$15/mo | — |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $160Wins | $185 | San wins +$25/mo | $300/yr saves in San |
| Internet/mo | $70Better | $70 | — | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $130KWins | $90K | San wins −$40K more/yr | — |
| State income tax% | 9.3% | 5.0%Wins | Boston wins -4.3 pp | $4,730/yr saves in Boston |
| Sales tax (combined)% | 8.6% | 6.3%Wins | Boston wins -2.3 pp | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $18.00 | $17.00Better | Boston wins −$1.00 | — |
| Gym membership/mo | $75 | $60Wins | Boston wins −$15/mo | — |
| Beer at restaurant | $9.00 | $8.00Better | Boston wins −$1.00 | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 194 | 162Wins | Boston wins -32 | — |
| Walk score / 100 | 87Better | 80 | San wins -7 more/yr | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Turn ~$4,728/yr tax difference into cash back
Boston fits your move math — cash-back cards stack on groceries, gas, and dining you're already doing.
Home + auto bundle
New state — new insurance rates
Bundling often saves hundreds/yr. Compare before you sign a lease in Boston.
High-yield savings
Park ~$7,200/yr rent savings at 4–5%+ APY
Don't let relocation cash sit at 0% — put it to work until closing day.
More ways to compare this move
Ready to move?
Open the full interactive tool to add up to 5 cities, drop in your salary, and see rent burden.
Open full interactive toolComplete the Picture
While you’re comparing — don’t leave money on the table.
If cash is tight
Knock down high-interest debt first
A move has upfront costs — a balance transfer or personal loan can lower APR while you settle in.
If you're saving big
Invest the surplus on autopilot
Brokerages and robo-advisors help you dollar-cost average into the market with your new slack.
Frequently asked questions
Is San Francisco cheaper than Boston?
No. Boston is 20% cheaper than San Francisco based on overall cost of living indices (162 vs 194, where 100 = US average).
What is the average rent in San Francisco vs Boston?
As of Q1 2026, the median 1-bedroom rent in San Francisco is $3,600/month and in Boston is $3,000/month. San Francisco is more expensive by 20%.
How much do I need to earn in Boston to match a $75,000 salary in San Francisco?
To maintain a similar lifestyle, you would need approximately $62,629/year in Boston to match a $75,000 salary in San Francisco. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — San Francisco or Boston?
Boston has the lower state income tax rate at 5% vs 9.3%. The difference is 4.3 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from San Francisco to Boston?
It depends on your priorities. Boston offers lower overall costs, but both cities have different job markets, weather, and lifestyle trade-offs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
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Salary equivalent: San Francisco ↔ Boston
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