Albany, NY vs San Francisco, CA
Moving from Albany to San Francisco? Here's what changes — from your equivalent salary to housing ($370,533 → $1,149,215 median home) and taxes.
Albany vs San Francisco at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Albany, NY, you'd need about $119,734 in San Francisco, CA (+$19,734).
Livability — Albany, NY: 58 · San Francisco, CA: 35 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,159 sqft in Albany vs 653 sqft in San Francisco ($232 vs $766 per sqft).
Annual cost breakdown (at $100,000)
| Category | Albany, NY | San Francisco, CA | Difference |
|---|---|---|---|
| Housing | $20,172 | $39,096 | +$18,924 |
| Groceries | $4,868 | $5,761 | +$893 |
| Transportation | $3,895 | $5,125 | +$1,230 |
| Utilities | $3,180 | $3,804 | +$624 |
| Insurance | $1,600 | $1,500 | −$100 |
| Taxes | $18,849 | $24,108 | +$5,259 |
| Total | $52,564 | $79,394 | +$26,830 |
Side by side
| Metric | Albany, NY | San Francisco, CA |
|---|---|---|
| Cost-of-living index | 98.2 | 117.6 |
| Unemployment rate | 4.97% | 5.22% |
| Population growth (5-yr) | 2.3% | 1.1% |
| Air quality (median AQI) | 42 | 42 |
| Big Mac price (est.) | $5.59 | $6.69 |
| Median home price | $370,533 | $1,149,215 |
| Home price ÷ income | 4.4× | 8.9× |
| 1-yr home appreciation | 5.5% | -0.8% |
| Price per square foot | $232 | $766 |
| Median rent | $1,681 | $3,258 |
| Total tax burden (% income) | 15.9% | 13.5% |
| Combined sales tax | 8.52% | 8.82% |
| Capital gains tax | 10.90% | 13.30% |
| Property tax rate | 1.95% | 0.72% |
| Healthcare (annual) | $7,800 | $7,200 |
| Childcare (annual, infant) | $17,000 | $19,000 |
| Vehicle property tax | None | 0.65% |
| Avg commute (min) | 23 | 33 |
| Home insurance / yr | $1,600 | $1,500 |
| Auto insurance / yr | $2,100 | $2,400 |
| Flood insurance / yr | $800 | $750 |
| Earthquake insurance / yr | $100 | $950 |
| Electricity ¢/kWh | 29.4 | 35.3 |
| Gas $/gal | 3.45 | 4.85 |
| Natural gas / mo | $98 | $72 |
| Water & sewer / mo | $87 | $138 |
| Home internet / mo | $76 | $83 |
| Violent crime /100k | 350 | 500 |
| Avg summer high °F | 83 | 84 |
| Avg winter low °F | 16 | 45 |
| Annual precipitation (in) | 40.0 | 22.9 |
| Annual snowfall (in) | 48.0 | 0.0 |
| Sunshine (% possible) | 50% | 66% |
| Permit difficulty (1–5) | 5 | 5 |