City Comparison · 2026
San Francisco vs Phoenix
Salary, rent, taxes, and purchasing power compared
Purchasing Power
$100k in San Francisco = $52k in Phoenix
Metric
San Francisco
Phoenix
COL Index
2.14
✓1.12
1BR Monthly Rent
$3,200/mo
✓$1,450/mo
2BR Monthly Rent
$4,200/mo
✓$1,820/mo
State Income Tax
CA
AZ
$100k Take-Home
$73,198
✓$76,236
$100k Effective Rate
26.8%
✓23.76%
$100k Savings Potential
$34,798
✓$58,836
After-Tax Income by Salary
| Gross Salary | San Francisco CA | Phoenix AZ |
|---|---|---|
| $60,000 | $48,276 $4,023/mo · 19.54% eff. | $48,748 $4,062/mo · 18.75% eff. |
| $100,000 | $73,198 $6,100/mo · 26.8% eff. | $76,236 $6,353/mo · 23.76% eff. |
| $150,000 | $103,090 $8,591/mo · 31.27% eff. | $109,528 $9,127/mo · 26.98% eff. |
Frequently Asked Questions
Is San Francisco or Phoenix cheaper to live in?
San Francisco has a cost-of-living index of 2.14 while Phoenix is 1.12 (1.00 = US average). Phoenix is cheaper overall. 1BR rent in San Francisco is $3,200/month vs $1,450/month in Phoenix.
How much more do you need to earn in San Francisco vs Phoenix?
$100k in San Francisco = $52k in Phoenix. Cost of living in Phoenix is lower by 47.7%.
Which city has better after-tax income — San Francisco or Phoenix?
On a $100,000 salary, you take home $73,198 in CA (San Francisco) and $76,236 in AZ (Phoenix). After accounting for rent, your annual savings potential is $34,798 in San Francisco vs $58,836 in Phoenix.
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