San Francisco-Oakland-Fremont, CA Cost of Living & Rent...
Data updated · Sources: HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget · Methodology
Empirical HUD Fair Market Rents, 30% Housing Affordability Workbench, EPI living wage benchmarks, and local labor purchasing power in San Francisco-Oakland-Fremont, CA (California).
Rent Affordability Workbench
HUD Fair Market Rent (FMR) Schedule
Official HUD Fair Market Rents and statutory 30% affordability thresholds.
| Unit Type | Monthly Rent | Annual Rent | Required Salary (30% Rule) | Required Hourly Wage |
|---|---|---|---|---|
| 0-BRStudio Apartment | $2,574 | $30,888 | $102,960 | $49.50/hr |
| 1-BR1-Bedroom Apartment | $3,003 | $36,036 | $120,120 | $57.75/hr |
| 2-BR2-Bedroom Apartment | $3,697 | $44,364 | $147,880 | $71.10/hr |
| 3-BR3-Bedroom Apartment | $4,832 | $57,984 | $193,280 | $92.92/hr |
Itemized Monthly Living Budget
Economic Policy Institute (EPI) realistic non-discretionary expenditure breakdown.
| Expenditure Category | Single Adult (Monthly) | Working Family (Monthly) | Family Multiple |
|---|---|---|---|
| Housing incl. Utilities (HUD Fair Market Rent) | $2,275 | $3,318 | 1.5x |
| Food & Groceries | $469 | $1,357 | 2.9x |
| Childcare | $0 | $4,528 | 1.0x |
| Transportation & Commute | $968 | $1,551 | 1.6x |
| Healthcare & Insurance Out-of-Pocket | $608 | $1,936 | 3.2x |
| Other Household Necessities | $852 | $1,451 | 1.7x |
| Taxes Estimated (FICA + State + Local) | $1,745 | $5,134 | 2.9x |
| Total Monthly Expenditure | $6,917 | $19,275 | 2.8x |
| Total Annual Baseline Cost | $83,007 | $231,305 | 2.8x |
EPI Living Wage · Single Adult
Minimum hourly rate required for a single working adult to cover basic necessities without public or private assistance.
EPI Living Wage · Two Working Adults, One Child
Hourly pay each of two full-time working adults needs to cover the EPI family budget for two adults and one child. Annual and monthly figures are for the whole household.
Local Occupations vs Rent Burden Matrix
Empirical median salaries, estimated after-tax take-home pay, and % of net income consumed by a 1-bedroom apartment.
| Occupation Title | Category | Median Salary | Est. Monthly Net | 1BR Rent % of Net | Affordability Status |
|---|---|---|---|---|---|
| Software Engineer | Technology | $186,640 | $10,298 | 29.2% | Moderate (28–30%) |
| General and Operations Managers | Finance & Management | $149,990 | $8,523 | 35.2% | Rent Burdened (>30%) |
| Registered Nurse (RN) | Healthcare | $186,610 | $10,296 | 29.2% | Moderate (28–30%) |
| Accountant & Auditor | Finance | $110,730 | $6,615 | 45.4% | Rent Burdened (>30%) |
| Computer and Information Systems Managers | Finance & Management | $232,890 | $12,638 | 23.8% | Comfortable (<28%) |
| Management Analyst | Business Operations | $126,730 | $7,403 | 40.6% | Rent Burdened (>30%) |
| Project Management Specialist | Business Operations | $135,040 | $7,803 | 38.5% | Rent Burdened (>30%) |
| Sales Managers | Finance & Management | $170,810 | $9,525 | 31.5% | Rent Burdened (>30%) |
| Financial Manager | Finance | $216,150 | $11,858 | 25.3% | Comfortable (<28%) |
| Solutions Architect | Technology | $161,700 | $9,086 | 33.0% | Rent Burdened (>30%) |
| Medical and Health Services Managers | Finance & Management | $166,310 | $9,308 | 32.3% | Rent Burdened (>30%) |
| Marketing Managers | Finance & Management | $220,480 | $12,068 | 24.9% | Comfortable (<28%) |
| Data Scientist | Technology | $170,110 | $9,491 | 31.6% | Rent Burdened (>30%) |
| Financial Analyst | Finance | $130,520 | $7,586 | 39.6% | Rent Burdened (>30%) |
Peer Metros Cost Arbitrage
Cost of living indices, 1BR rents, and EPI living wages compared against peer metropolitan markets.
| Metropolitan Area | COL Index | Index Delta | HUD 1BR Rent | Rent Delta | Living Wage | Action |
|---|---|---|---|---|---|---|
| New York-Newark-Jersey City, NY-NJNY | 181.0 | +0.6 | $2,729 | -$274 | $40.03/hr | Inspect |
| Los Angeles-Long Beach-Anaheim, CACA | 144.2 | -36.2 | $2,402 | -$601 | $31.89/hr | Inspect |
| Chicago-Naperville-Elgin, IL-INIL | 125.8 | -54.6 | $1,780 | -$1,223 | $27.82/hr | Inspect |
| Houston-Pasadena-The Woodlands, TXTX | 107.4 | -73.1 | $1,261 | -$1,742 | $23.75/hr | Inspect |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MDPA | 119.9 | -60.6 | $1,558 | -$1,445 | $26.51/hr | Inspect |
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Cost of Living Frequently Asked Questions
San Francisco-Oakland-Fremont, CA: Migration Corridors & State Tax Benchmarks
California Income Tax
Calculate exact 2026 take-home pay, federal withholdings, and California state marginal rates.
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2026 Cost of Living in San Francisco-Oakland-Fremont, CA: Empirical HUD Fair Market Rents, 30% housing affordability workbench, EPI living wage standards. Official 2026 economic data for San Francisco-Oakland-Fremont, CA compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.
Quick answers
Cost of living in San Francisco-Oakland-Fremont, CA reflects local housing benchmarks, regional goods and services prices, and state tax burdens. HUD Fair Market Rents and local EPI living wage standards provide empirical baselines for household budgets.
The living wage in San Francisco-Oakland-Fremont, CA is the minimum hourly or annual income required for a single adult or family to cover food, housing, healthcare, and taxes without government assistance.