San Francisco vs Modesto

Category-by-Category Breakdown

Index values shown. National average = 100. Lower is cheaper.

💰 Salary Equivalence

To maintain the same standard of living:

See exact take-home pay: California salaries · California salaries

Living in San Francisco vs Modesto

Housing is typically the biggest factor in any cost-of-living comparison. San Francisco has a housing index of 327 while Modesto sits at 121 (national average = 100). The median home in San Francisco costs $1,200,000 compared to $380,000 in Modesto, a difference of $820,000. Monthly rent follows a similar pattern: $3,400 in San Francisco versus $1,400 in Modesto.

Groceries and everyday expenses show a notable difference: San Francisco scores 112 while Modesto scores 100.

Healthcare costs in San Francisco (113) are higher than Modesto (100).

Median household income in San Francisco is $119,136 compared to $55,138 in Modesto. When adjusted for cost of living, income goes further in Modesto.

Relocating: San Francisco vs Modesto

If you are considering a move between San Francisco (index: 190) and Modesto (index: 112), the 41% cost difference has real implications for your budget. Modesto is the more affordable option, but the right choice depends on your income, career opportunities, and lifestyle priorities.

Housing budget reality: Using the 28% rule (spending no more than 28% of gross income on housing), the median household in San Francisco can afford $2,780/month, while the median household in Modesto can afford $1,287/month. With median homes at $1,200,000 in San Francisco versus $380,000 in Modesto, the higher-cost city presents significant affordability challenges.

Renting vs buying: At $3,400/month in San Francisco and $1,400/month in Modesto, renters save significantly in Modesto. The rent-to-own ratio in each city determines whether renting or buying offers better value for your situation.

Income adjustment: A $75,000 salary goes significantly further in Modesto. Before accepting a job in either city, use the salary equivalence data above to understand what you would need to earn to maintain your current standard of living.

Reading These Numbers: San Francisco (190) vs Modesto (112)

The cost of living index uses 100 as the national average. San Francisco at 190 is 90% above the US average, while Modesto at 112 is 12% above average. There is a meaningful cost gap between these two cities that affects day-to-day budgeting.

The overall index is a weighted average of housing (the largest component), groceries, utilities, transportation, and healthcare. Housing typically drives the biggest differences between cities. Even when two cities have similar overall indices, their category-level costs can vary significantly — one city might have expensive housing but cheap groceries, while another is the reverse. Check the category breakdown above for the full picture.

For renters: With median rents of $3,400/month in San Francisco and $1,400/month in Modesto, the annual rent difference is approximately $24,000. Over a 5-year period, that compounds to $120,000 in savings by choosing the more affordable city.

For homebuyers: The $820,000 difference in median home prices between San Francisco and Modesto translates to roughly $49,200 per month in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.

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