SOC 49-9021

HVAC/R Technician Salary in San Francisco-Oakland-Fremont, CA (2026)

Data updated · Sources: BLS OEWS May 2025, HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Tax Tables: 2026 Fed + CA
COL Index: 180.45 (+80.4% vs US)
Net Compensation Yield 72.3% Realized
$56,786 / net annual direct deposit
Gross Adjusted $78,490 $37.74/hr
Effective Tax Drag 21.65% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$16,994 $653.62/check
Category 1 of 6

Wage Benchmarking & After-Tax Paycheck Engine

Dynamic statutory tax calculations based on IRS Publication 15-T and state statutory schedules.

$
2,080 annual statutory base hours $37.74 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$4,709/yr)
0% Tax Shield: ~$1,036/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$7,402
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$4,866
Medicare Hospital Insurance
Statutory 1.45%
-$1,138
California Individual Income Tax
State Marginal Bracket
-$2,568
State Disability Insurance (SDI)
Statutory Payroll Assessment
-$1,020
Net Take-Home Annual Realized
$56,786 ($2,184.09 / check)
Category 2 of 6

San Francisco-Oakland-Fremont, CA HVAC/R Technician Wage Distribution

Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) Percentiles & Career Ladders

Your Salary: $78,490
MIDDLE 50% (IQR RANGE) 10th $49.2k 25th $61.9k Median: $78,490 50th (Median) $78.5k 75th $102k 90th $129k You: $78,490
10th (Entry) $49,180 $23.64/hr
25th (Junior) $61,930 $29.77/hr
50th (Median) $78,490 $37.74/hr
75th (Senior) $101,870 $48.98/hr
90th (Lead/Master) $129,380 $62.20/hr
Career Progression & Licensing Milestones for HVAC/R Technician in San Francisco-Oakland-Fremont, CA
1
HVAC Apprentice / HelperEPA 608 Universal Certification, trade school certificate
$49,145$23.63/hr · 0-2 Years
2
Service TechnicianNATE certification, independent diagnostic electrical skills
$75,904$36.49/hr · 2-5 Years
3
Lead Commercial HVAC TechChiller, VRF, and building automation system certifications
$100,991$48.55/hr · 5-9 Years
4
HVAC Mechanical ContractorState Mechanical Contractor license, bonded, business operations
$138,943$66.80/hr · 9+ Years
Scaled to the San Francisco-Oakland-Fremont, CA medianView National HVAC/R Technician Salary Data
Category 3 of 6

HUD Fair Market Rent & EPI Living Wage Affordability Index

Evaluating housing affordability vs. net take-home pay in San Francisco-Oakland-Fremont, CA under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
63% of Net Income
⚠️ Cost-Burdened (Exceeds 30% Rule)
HUD Fair Market Rent (1-Bedroom) $3,003/month Requires minimum annual gross of $120,120
HUD Fair Market Rent (2-Bedroom) $3,697/month Requires minimum annual gross of $147,880
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $39.91/hr
Per adult, 2 working adults + 1 child: $41.52/hr
Category 4 of 6

Hourly Wage to Annual & Overtime Matrix

Translating base hourly pay and 1.5× overtime into net take-home pay based on 2,080 annual work hours in San Francisco-Oakland-Fremont, CA.

Swipe horizontally to inspect full pay schedule
Schedule Total Hours/Wk Gross Annual Est. Taxes Net Take-Home Bi-Weekly Check
Standard (40 hrs)40 hrs$78,490-$16,994$56,786$2,184.09
+5h Overtime/Wk45 hrs$93,207-$22,546$65,068$2,502.63
+10h Overtime/Wk50 hrs$107,924-$28,193$73,255$2,817.50
+15h Overtime/Wk55 hrs$122,641-$33,841$81,442$3,132.37
+20h Overtime/Wk60 hrs$137,358-$39,634$89,482$3,441.62
Category 5 of 6

Interstate MSA Relocation & State Tax Migration Comparator

Calculate required compensation, cost-of-living differences, and annual state/local tax savings between two metropolitan areas.

Equivalent Salary in Austin, TX $83,505 Cost of Living Ratio: 69.6%
Annual State & Local Tax Delta +$8,331/yr Tax savings in Austin-Round Rock-San Marcos, TX
Annual Rent Difference (1BR) -$17,676/yr Based on HUD Fair Market Rents
Net Discretionary Cash Flow Impact

Combining state tax savings and annual rent variance when relocating from San Francisco-Oakland-Fremont, CA to Austin-Round Rock-San Marcos, TX.

+$26,007/year
Category 6 of 6 · Executive Economic Briefing
2026 Fiscal Intelligence

HVAC/R Technician in San Francisco-Oakland-Fremont, CA: Compensation & Purchasing Power Briefing (2026)

Estimates compiled from BLS OEWS wages, IRS 2026 withholding rules, HUD Fair Market Rents, and California tax codes.

Market Baseline
$78,490/yr
$37.74/hr · SOC 49-9021
Statutory Tax Drag
21.65% Effective
-$16,994 in Total Taxes
HUD 1BR Shelter Ratio
63% Net Pay
⚠️ Exceeds 30% HUD Rule
Monthly Discretionary
+$1,729/mo
Post-$3,003/mo 1BR Rent

Key Economic & Compensation Takeaways

Statutory Withholding Architecture

Frequently Asked Questions

Verified Government Data Sources & Statutory Attribution

Wages sourced from US Bureau of Labor Statistics (BLS OEWS). Rents calibrated to HUD Fair Market Rents. Tax schedules calibrated to IRS IRC Title 26, IRS Pub 15-T, and state statutory revenue codes.

BLS OEWS May 2025 HUD FY2027 FMR IRS 15-T
Metro Pay Comparison SOC 49-9021
2026 Statutory Thresholds
  • Federal Standard Deduction (Single) $16,100
  • FICA OASDI Wage Base Cap $184,500
  • Pre-Tax 401(k) Elective Deferral $24,500
  • HSA Individual Annual Limit $4,400

HVAC/R Technician in San Francisco-Oakland-Fremont, CA: Market Snapshot

HVAC/R Technician roles in San Francisco-Oakland-Fremont, CA report a median annual wage of $78,490, 28.7% above the national median of $61,010. The 10th to 90th percentile band runs from $49,180 to $129,380, and HUD’s $3,003 monthly one-bedroom fair market rent equals 45.9% of that median gross pay. The single-adult living wage benchmark for the area is $39.91 per hour.

Highest-paying metropolitan areas for HVAC/R Technician

Metropolitan areaMedian annual wageVs this market
Fairbanks-College, AK$93,820+19.5%
Anchorage, AK$85,620+9.1%
Napa, CA$84,570+7.7%
San Jose-Sunnyvale-Santa Clara, CA$82,050+4.5%
Seattle-Tacoma-Bellevue, WA$80,100+2.1%
Santa Rosa-Petaluma, CA$79,510+1.3%
Peoria, IL$78,710+0.3%
Santa Maria-Santa Barbara, CA$78,640+0.2%
Boston-Cambridge-Newton, MA-NH$78,530+0.1%
Santa Cruz-Watsonville, CA$78,330-0.2%

Top-paying occupations benchmarked in San Francisco-Oakland-Fremont, CA

OccupationMedian annual wageMedian hourly
Chief Executives$288,690$138.79/hr
Computer and Information Systems Managers$232,890$111.97/hr
Natural Sciences Managers$225,230$108.28/hr
Architectural and Engineering Managers$221,580$106.53/hr
Marketing Managers$220,480$106.00/hr
Nurse Practitioner$219,080$105.33/hr
Financial Manager$216,150$103.92/hr
Human Resources Managers$209,340$100.64/hr
Public Relations Managers$192,720$92.65/hr
Compensation and Benefits Managers$188,850$90.79/hr

Wage data: U.S. Bureau of Labor Statistics OEWS May 2025, 389 metropolitan areas publishing this occupation; HUD FY2027 Fair Market Rents; EPI Family Budget Calculator. Taxes use 2026 federal and state rules. Data last updated .

Regional Labor Market & Career Mobility Network

Explore adjacent occupations and neighboring metropolitan wage benchmarks for peer compensation analysis.

HVAC/R Technician Salary in San Francisco-Oakland-Fremont, CA (2026) Overview

HVAC/R Technician median pay in San Francisco-Oakland-Fremont, CA is $78,490 a year ($37.74/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD. Official 2026 economic data for HVAC/R Technician in San Francisco-Oakland-Fremont, CA compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.

Quick answers
What is the median salary for a HVAC/R Technician in San Francisco-Oakland-Fremont, CA?

The median annual wage is $78,490 ($37.74 per hour). The middle 80% of earners make between $49,180 and $129,380. Source: BLS OEWS (May 2025).

What is the take-home pay for a HVAC/R Technician in San Francisco-Oakland-Fremont, CA after taxes?

On the median wage of $78,490, a single filer with no pre-tax deductions takes home about $60,083 a year ($5,007 a month) after $18,407 in federal, FICA, state and local taxes, an effective rate of 23.45%, using 2026 tax rules.