Modesto, CA vs San Francisco, CA
Moving from Modesto to San Francisco? Here's what changes — from your equivalent salary to housing ($468,302 → $1,149,215 median home) and taxes.
Modesto 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 Modesto, CA, you'd need about $111,818 in San Francisco, CA (+$11,818).
Livability — Modesto, CA: 52 · San Francisco, CA: 35 (0–100).
What your home budget buys
A $500,000 home budget gets you about 1,602 sqft in Modesto vs 653 sqft in San Francisco ($312 vs $766 per sqft).
Annual cost breakdown (at $100,000)
| Category | Modesto, CA | San Francisco, CA | Difference |
|---|---|---|---|
| Housing | $24,624 | $39,096 | +$14,472 |
| Groceries | $5,247 | $5,761 | +$514 |
| Transportation | $5,125 | $5,125 | +$0 |
| Utilities | $3,804 | $3,804 | +$0 |
| Insurance | $1,500 | $1,500 | +$0 |
| Taxes | $19,239 | $24,108 | +$4,869 |
| Total | $59,539 | $79,394 | +$19,855 |
Side by side
| Metric | Modesto, CA | San Francisco, CA |
|---|---|---|
| Cost-of-living index | 105.1 | 117.6 |
| Unemployment rate | 8.16% | 5.22% |
| Population growth (5-yr) | 3.1% | 1.1% |
| Air quality (median AQI) | 42 | 42 |
| Big Mac price (est.) | $5.98 | $6.69 |
| Median home price | $468,302 | $1,149,215 |
| Home price ÷ income | 6.3× | 8.9× |
| 1-yr home appreciation | -0.8% | -0.8% |
| Price per square foot | $312 | $766 |
| Median rent | $2,052 | $3,258 |
| Total tax burden (% income) | 13.5% | 13.5% |
| Combined sales tax | 8.82% | 8.82% |
| Capital gains tax | 13.30% | 13.30% |
| Property tax rate | 0.73% | 0.72% |
| Healthcare (annual) | $7,200 | $7,200 |
| Childcare (annual, infant) | $19,000 | $19,000 |
| Vehicle property tax | 0.65% | 0.65% |
| Avg commute (min) | 31 | 33 |
| Home insurance / yr | $1,500 | $1,500 |
| Auto insurance / yr | $2,400 | $2,400 |
| Flood insurance / yr | $750 | $750 |
| Earthquake insurance / yr | $950 | $950 |
| Electricity ¢/kWh | 35.3 | 35.3 |
| Gas $/gal | 4.85 | 4.85 |
| Natural gas / mo | $72 | $72 |
| Water & sewer / mo | $138 | $138 |
| Home internet / mo | $83 | $83 |
| Violent crime /100k | 500 | 500 |
| Avg summer high °F | 84 | 84 |
| Avg winter low °F | 45 | 45 |
| Annual precipitation (in) | 13.5 | 22.9 |
| Annual snowfall (in) | 0.0 | 0.0 |
| Sunshine (% possible) | 75% | 66% |
| Permit difficulty (1–5) | 5 | 5 |