How much do you need to earn in San Francisco, CA to maintain the same standard of living as someone earning $100,000 in Boston, MA?
$100,000 in Boston, MA is equivalent to $86,000 in San Francisco, CA — that's $14,000 less per year to maintain the same disposable income.
Based on Census Bureau housing data, BLS Consumer Expenditure Survey, BEA Regional Price Parities, EIA energy costs, and 2024 federal/state tax brackets.
| Category | Boston, MA | San Francisco, CA | Change |
|---|---|---|---|
| Housing | $3,970 | $3,030 | -23.7% |
| Utilities | $218 | $162 | -25.7% |
| Food & Groceries | $512 | $525 | +2.6% |
| Transportation | $478 | $514 | +7.6% |
| Healthcare | $398 | $408 | +2.6% |
| Federal Income Tax | $1,421 | $1,162 | -18.3% |
| State Income Tax | $417 | $395 | -5.3% |
| Local Income Tax | $0 | $0 | NaN% |
| Sales Tax | $100 | $138 | +37.3% |
| Total Monthly Expenses | $7,514 | $6,334 | -15.7% |
This comparison uses real cost data for Boston, MA (ZIP 02116) and San Francisco, CA (ZIP 94110). Housing reflects median monthly costs from the US Census Bureau. Sales tax is applied to non-housing expenses at the combined state and average local rate. Transportation costs vary by state fuel prices, registration fees, and access to public transit.
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