San Francisco vs Yuma
Cost of Living Comparison · 2026 Data
San Francisco
Yuma
💡 The Verdict
Yuma is 50% cheaper than San Francisco overall. A $75,000 salary in San Francisco is equivalent to $37,500 in Yuma.
Category-by-Category Breakdown
Index values for San Francisco (left) vs Yuma (right). National average = 100.
Detailed Price Comparison
Estimated item-level prices in San Francisco versus Yuma. Differences shown from San Francisco perspective.
| Item | San Francisco | Yuma | Difference |
|---|---|---|---|
| 1-Bed Rent | $2,370/mo | $1,140/mo | +$1230.00 |
| 2-Bed Rent | $3,400/mo | $1,670/mo | +$1730.00 |
| 3-Bed Rent | $4,530/mo | $2,100/mo | +$2430.00 |
| Bread (loaf) | $3.13 | $2.83 | +$0.30 |
| Milk (gallon) | $4.60 | $3.55 | +$1.05 |
| Eggs (dozen) | $3.50 | $3.15 | +$0.35 |
| Coffee (latte) | $6.26 | $5.59 | +$0.67 |
| Gas (gallon) | $3.66 | $3.17 | +$0.49 |
| Restaurant Meal | $26.09 | $17.40 | +$8.69 |
💰 Salary Equivalence
A $75,000 salary in San Francisco has the same purchasing power as $37,500 in Yuma.
Conversely, $75,000 in Yuma equals $150,000 in San Francisco.
💼 Take-Home Pay Comparison
Estimated annual take-home pay on a $75,000 salary after federal, FICA, and state income taxes.
The $2775 difference is driven by California having a higher state income tax rate. California details → · Arizona details →
Reading These Numbers: San Francisco (190) vs Yuma (95)
San Francisco at 190 is 90% above the US average, while Yuma at 95 is 5% below average. There is a meaningful cost gap between these two cities that affects day-to-day budgeting.
In San Francisco, the composite index of 190 reflects a weighted calculation where housing carries the most influence at 327, followed by groceries (112), utilities (126), transportation (113), and healthcare (113). Housing is the primary cost driver here.
For renters: With median rents of $3,400/mo in San Francisco and $1,670/mo in Yuma, the annual rent difference is approximately $20,760.0. Over a 5-year period, that compounds to $103,800.0 in savings by choosing the more affordable city.
For homebuyers: The $747,000.0 difference in median home prices between San Francisco and Yuma 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: San Francisco vs Yuma
Choosing between San Francisco and Yuma 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.
Long-term affordability in San Francisco versus Yuma depends partly on cost trajectory. Cities experiencing rapid population growth tend to see costs rise faster than established metros where supply has caught up with demand. While our index captures current conditions, consider whether the city trending cheaper today might converge toward average over the next five to ten years as more people discover it. Our quarterly updates help track these shifts over time.