Ogden vs San Francisco
Cost of Living Comparison · 2026 Data
Ogden
San Francisco
💡 The Verdict
Ogden is 52% cheaper than San Francisco overall. A $75,000 salary in Ogden is equivalent to $156,593 in San Francisco.
Category-by-Category Breakdown
Index values for Ogden (left) vs San Francisco (right). National average = 100.
Detailed Price Comparison
Estimated item-level prices in Ogden versus San Francisco. Differences shown from Ogden perspective.
| Item | Ogden | San Francisco | Difference |
|---|---|---|---|
| 1-Bed Rent | $1,060/mo | $2,370/mo | $-1310.00 |
| 2-Bed Rent | $1,420/mo | $3,400/mo | $-1980.00 |
| 3-Bed Rent | $1,950/mo | $4,530/mo | $-2580.00 |
| Bread (loaf) | $2.70 | $3.13 | $-0.43 |
| Milk (gallon) | $3.25 | $4.60 | $-1.35 |
| Eggs (dozen) | $2.74 | $3.50 | $-0.76 |
| Coffee (latte) | $5.08 | $6.26 | $-1.18 |
| Gas (gallon) | $3.08 | $3.66 | $-0.58 |
| Restaurant Meal | $12.76 | $26.09 | $-13.33 |
💰 Salary Equivalence
A $75,000 salary in Ogden has the same purchasing power as $156,593 in San Francisco.
Conversely, $75,000 in San Francisco equals $35,921 in Ogden.
💼 Take-Home Pay Comparison
Estimated annual take-home pay on a $75,000 salary after federal, FICA, and state income taxes.
The $1125 difference is driven by California having a higher state income tax rate. Utah details → · California details →
Reading These Numbers: Ogden (91) vs San Francisco (190)
Ogden at 91 is 9% below the US average, while San Francisco at 190 is 90% above average. There is a meaningful cost gap between these two cities that affects day-to-day budgeting.
In Ogden, the composite index of 91 reflects a weighted calculation where housing carries the most influence at 110, followed by groceries (92), utilities (94), transportation (92), and healthcare (86). Housing is the primary cost driver here.
For renters: With median rents of $1,420/mo in Ogden and $3,400/mo in San Francisco, the annual rent difference is approximately $23,760.0. Over a 5-year period, that compounds to $118,800.0 in savings by choosing the more affordable city.
For homebuyers: The $875,000.0 difference in median home prices between Ogden and San Francisco translates to meaningful differences 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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Making Your Decision: Ogden vs San Francisco
Choosing between Ogden and San Francisco involves more than just comparing index numbers. Consider how each category aligns with your personal spending patterns. If you work from home, transportation costs matter less than housing and utilities. If you eat out frequently, the groceries index may understate your actual food spending — look at the restaurant meal prices in the detailed comparison table above instead.
Beyond the numbers shown above, quality of life differences between Ogden and San Francisco can meaningfully affect your financial picture in ways the index does not capture. Commute time translates to fuel costs and vehicle depreciation. Climate affects utility bills seasonally. Access to public parks and free cultural venues reduces entertainment spending. Consider these secondary financial effects alongside the direct cost comparisons when making your final decision.