Side-by-side cost of living comparison for 2026
44% cheaper
Tempe is 44% more affordable than San Francisco. A $75,000 salary in San Francisco is equivalent to $41,842 in Tempe.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: California salaries · Arizona salaries
Housing is typically the biggest factor in any cost-of-living comparison. San Francisco has a housing index of 327 while Tempe sits at 114 (national average = 100). The median home in San Francisco costs $1,200,000 compared to $400,000 in Tempe, a difference of $800,000. Monthly rent follows a similar pattern: $3,400 in San Francisco versus $1,600 in Tempe.
Groceries and everyday expenses show a notable difference: San Francisco scores 112 while Tempe scores 100.
Healthcare costs in San Francisco (113) are higher than Tempe (95).
Median household income in San Francisco is $119,136 compared to $56,068 in Tempe. When adjusted for cost of living, income goes further in Tempe.
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