Memphis, TN vs San Francisco, CA
Moving from Memphis to San Francisco? Here's what changes — from your equivalent salary to housing ($247,229 → $1,149,215 median home) and taxes.
Memphis 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 Memphis, TN, you'd need about $127,846 in San Francisco, CA (+$27,846).
Livability — Memphis, TN: 70 · San Francisco, CA: 35 (0–100).
What your home budget buys
A $500,000 home budget gets you about 4,045 sqft in Memphis vs 653 sqft in San Francisco ($124 vs $766 per sqft).
Annual cost breakdown (at $100,000)
| Category | Memphis, TN | San Francisco, CA | Difference |
|---|---|---|---|
| Housing | $17,292 | $39,096 | +$21,804 |
| Groceries | $4,715 | $5,761 | +$1,046 |
| Transportation | $3,130 | $5,125 | +$1,995 |
| Utilities | $1,608 | $3,804 | +$2,196 |
| Insurance | $2,200 | $1,500 | −$700 |
| Taxes | $5,158 | $24,108 | +$18,951 |
| Total | $34,103 | $79,394 | +$45,291 |
Side by side
| Metric | Memphis, TN | San Francisco, CA |
|---|---|---|
| Cost-of-living index | 91.9 | 117.6 |
| Unemployment rate | 6.84% | 5.22% |
| Population growth (5-yr) | -0.6% | 1.1% |
| Air quality (median AQI) | 56 | 53 |
| Big Mac price (est.) | $5.23 | $6.69 |
| Median home price | $247,229 | $1,149,215 |
| Home price ÷ income | 4.0× | 8.9× |
| 1-yr home appreciation | 0.1% | -0.8% |
| Price per square foot | $124 | $766 |
| Median rent | $1,441 | $3,258 |
| Total tax burden (% income) | 7.6% | 13.5% |
| Combined sales tax | 9.55% | 8.82% |
| Capital gains tax | None | 13.30% |
| Property tax rate | 0.87% | 0.72% |
| Healthcare (annual) | $6,300 | $7,200 |
| Childcare (annual, infant) | $9,000 | $19,000 |
| Vehicle property tax | None | 0.65% |
| Avg commute (min) | 24 | 33 |
| Home insurance / yr | $2,200 | $1,500 |
| Auto insurance / yr | $1,600 | $2,400 |
| Flood insurance / yr | $700 | $750 |
| Earthquake insurance / yr | $350 | $950 |
| Electricity ¢/kWh | 14.9 | 35.3 |
| Gas $/gal | 2.95 | 4.85 |
| Violent crime /100k | 600 | 500 |
| Avg summer high °F | 89 | 84 |
| Avg winter low °F | 30 | 45 |
| Permit difficulty (1–5) | 2 | 5 |