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Cost of Living in San Francisco

San Francisco is one of the US cities known for its high cost of living and with a cost of living index that is at least 87% higher than the US average.

Cost of Living in San Francisco – ExpatFinder Articles


Expatriates who find themselves in this city are usually doctors, nurses or IT professionals who enjoy attractive remuneration packages.   


Due to the geographical makeup of the city where the area is concentrated in a limited city center, little room has been left for individual houses which are most expensive and hardest to find. A more affordable option comes in one or two-bedroom apartments which cost anywhere from $1,200 to $4,000 a month. For singles or smaller households, one can get studio apartment for at least $ 1000.  

Buying a Property 

The margin between the upper and lower scale houses in San Francisco is widening and while both are expected to be on an uptrend, the current median price for a two-bedroom Bay Area home is from $656,700 to $711,000. The most expensive neighborhoods in San Francisco include Russian Hill, Marina, Pacific Heights, Nob Hill, Mission Bay, Noe Valley, South Beach and South of Market where houses can cost up to $ 800,000 while the cheapest areas can be found around Sunset District, Vayview and Visitation Valley. Due to differences and overlaps between state and federal real estate laws, it is important for an expatriate to consult a local real estate agent in San Francisco before buying any properties to prevent legal complications.    


Utility costs in San Francisco consist of phone, internet, water, electricity, cable and natural gas consumptions. A landline costs about $30 a month, provided it is not used for long-distance calls, while a DSL connection can run about $32 per month or around $8 per week. Cable will cost about $15 per week while the two major utilities, electricity, and gas, can get quite costly, especially during the hotter months and can run up to several hundred dollars a month. Water, which is often included in rent, can cost about $45.00 to $60.00 monthly when paid separately.       


San Francisco is known for its multinational cuisine from Chinese to Western and also for its high-end restaurant prices. A three-course meal that  includes an appetizer, main course and desert can cost anywhere from $25 - 100 plus per head while those who cook at home spend much less with an average monthly food budget of about $200 - 300 a week.    


The San Francisco Municipal Railroad or MUNI is the city's main public transit system where a basic fare of $ 1.50 covers about a 90-minute ride or $.50 for seniors and the disabled. Cable car rides cost $5 each and $1.00 between 9pm to 7am for seniors and disabled passengers. The Muni Fast Pass costs about $45 per month and $10 for seniors and those with youth passes. Weekly passes are good for $15 with a $1 surcharge for a ride on the cable car.  

As a global city, San Francisco is recognized for its linkages that bear direct and significant socio-economic influences on the international community. For this reason and more, people understand why the cost of life in the city is nothing ordinary.


Photo: Justin Brown



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ExpatFinder.com is a website designed to bring support to people and families living abroad or planning to move overseas. It provides the user with information to help make informed decisions when looking for International health insurance with global cover around the world. Expat life insurance are explained for review at the same time as a choice of selected International medical insurance companies are displayed and free quote by direct contact available. Other sections of the website include online broker and offshore banking reviews including a choice of offshore savings accounts to make the most of your expat money. Users can also transfer money abroad and learn more about QROPS and overseas foreign currency exchange. The one stop place to answer all your needs will bring you information on expat health insurance and US Expat Tax. Should you be preparing to move abroad or living overseas you might be looking for a room for rent or else expat often start with an extended stay in serviced apartments

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