Ann Arbor, MI vs San Francisco, CA
Moving from Ann Arbor to San Francisco? Here's what changes — from your equivalent salary to housing ($422,945 → $1,149,215 median home) and taxes.
Ann Arbor 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 Ann Arbor, MI, you'd need about $119,767 in San Francisco, CA (+$19,767).
Livability — Ann Arbor, MI: 61 · San Francisco, CA: 35 (0–100).
What your home budget buys
A $500,000 home budget gets you about 1,951 sqft in Ann Arbor vs 653 sqft in San Francisco ($256 vs $766 per sqft).
Annual cost breakdown (at $100,000)
| Category | Ann Arbor, MI | San Francisco, CA | Difference |
|---|---|---|---|
| Housing | $24,816 | $39,096 | +$14,280 |
| Groceries | $4,703 | $5,761 | +$1,058 |
| Transportation | $4,575 | $5,125 | +$550 |
| Utilities | $2,316 | $3,804 | +$1,488 |
| Insurance | $1,300 | $1,500 | +$200 |
| Taxes | $11,605 | $24,108 | +$12,503 |
| Total | $49,315 | $79,394 | +$30,079 |
Side by side
| Metric | Ann Arbor, MI | San Francisco, CA |
|---|---|---|
| Cost-of-living index | 98.2 | 117.6 |
| Unemployment rate | 4.69% | 5.22% |
| Population growth (5-yr) | 2.4% | 1.1% |
| Air quality (median AQI) | 43 | 53 |
| Big Mac price (est.) | $5.58 | $6.69 |
| Median home price | $422,945 | $1,149,215 |
| Home price ÷ income | 5.0× | 8.9× |
| 1-yr home appreciation | 2.5% | -0.8% |
| Price per square foot | $256 | $766 |
| Median rent | $2,068 | $3,258 |
| Total tax burden (% income) | 10.0% | 13.5% |
| Combined sales tax | 6.00% | 8.82% |
| Capital gains tax | 4.25% | 13.30% |
| Property tax rate | 1.56% | 0.72% |
| Healthcare (annual) | $6,500 | $7,200 |
| Childcare (annual, infant) | $11,000 | $19,000 |
| Vehicle property tax | 0.61% | 0.65% |
| Avg commute (min) | 24 | 33 |
| Home insurance / yr | $1,300 | $1,500 |
| Auto insurance / yr | $2,700 | $2,400 |
| Flood insurance / yr | $600 | $750 |
| Earthquake insurance / yr | $100 | $950 |
| Electricity ¢/kWh | 21.4 | 35.3 |
| Gas $/gal | 3.35 | 4.85 |
| Violent crime /100k | 460 | 500 |
| Avg summer high °F | 83 | 84 |
| Avg winter low °F | 16 | 45 |
| Permit difficulty (1–5) | 3 | 5 |