City Comparison · 2026
Phoenix vs San Francisco
Salary, rent, taxes, and purchasing power compared
Purchasing Power
$100k in Phoenix = $191k in San Francisco
Metric
Phoenix
San Francisco
COL Index
✓1.12
2.14
1BR Monthly Rent
✓$1,450/mo
$3,200/mo
2BR Monthly Rent
✓$1,820/mo
$4,200/mo
State Income Tax
AZ
CA
$100k Take-Home
✓$76,236
$73,198
$100k Effective Rate
✓23.76%
26.8%
$100k Savings Potential
✓$58,836
$34,798
After-Tax Income by Salary
| Gross Salary | Phoenix AZ | San Francisco CA |
|---|---|---|
| $60,000 | $48,748 $4,062/mo · 18.75% eff. | $48,276 $4,023/mo · 19.54% eff. |
| $100,000 | $76,236 $6,353/mo · 23.76% eff. | $73,198 $6,100/mo · 26.8% eff. |
| $150,000 | $109,528 $9,127/mo · 26.98% eff. | $103,090 $8,591/mo · 31.27% eff. |
Frequently Asked Questions
Is Phoenix or San Francisco cheaper to live in?
Phoenix has a cost-of-living index of 1.12 while San Francisco is 2.14 (1.00 = US average). Phoenix is cheaper overall. 1BR rent in Phoenix is $1,450/month vs $3,200/month in San Francisco.
How much more do you need to earn in San Francisco vs Phoenix?
$100k in Phoenix = $191k in San Francisco. Cost of living in San Francisco is higher by 91.1%.
Which city has better after-tax income — Phoenix or San Francisco?
On a $100,000 salary, you take home $76,236 in AZ (Phoenix) and $73,198 in CA (San Francisco). After accounting for rent, your annual savings potential is $58,836 in Phoenix vs $34,798 in San Francisco.
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