San Francisco, CA vs Cincinnati, OH
Moving from San Francisco to Cincinnati? Here's what changes — from your equivalent salary to housing ($1,149,215 → $311,270 median home) and taxes.
San Francisco vs Cincinnati 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 San Francisco, CA, you'd need about $80,156 in Cincinnati, OH (−$19,844).
Livability — San Francisco, CA: 35 · Cincinnati, OH: 70 (0–100).
What your home budget buys
A $500,000 home budget gets you about 653 sqft in San Francisco vs 2,651 sqft in Cincinnati ($766 vs $189 per sqft).
Annual cost breakdown (at $100,000)
| Category | San Francisco, CA | Cincinnati, OH | Difference |
|---|---|---|---|
| Housing | $39,096 | $18,900 | −$20,196 |
| Groceries | $5,761 | $4,718 | −$1,043 |
| Transportation | $5,125 | $3,025 | −$2,100 |
| Utilities | $3,804 | $2,100 | −$1,704 |
| Insurance | $1,500 | $1,300 | −$200 |
| Taxes | $24,108 | $8,820 | −$15,288 |
| Total | $79,394 | $38,863 | −$40,531 |
Side by side
| Metric | San Francisco, CA | Cincinnati, OH |
|---|---|---|
| Cost-of-living index | 117.6 | 94.2 |
| Unemployment rate | 5.22% | 4.37% |
| Population growth (5-yr) | 1.1% | 4.5% |
| Air quality (median AQI) | 42 | 42 |
| Big Mac price (est.) | $6.69 | $5.36 |
| Median home price | $1,149,215 | $311,270 |
| Home price ÷ income | 8.9× | 4.1× |
| 1-yr home appreciation | -0.8% | 2.5% |
| Price per square foot | $766 | $189 |
| Median rent | $3,258 | $1,575 |
| Total tax burden (% income) | 13.5% | 10.0% |
| Combined sales tax | 8.82% | 7.24% |
| Capital gains tax | 13.30% | 3.50% |
| Property tax rate | 0.72% | 1.26% |
| Healthcare (annual) | $7,200 | $6,400 |
| Childcare (annual, infant) | $19,000 | $10,000 |
| Vehicle property tax | 0.65% | None |
| Avg commute (min) | 33 | 25 |
| Home insurance / yr | $1,500 | $1,300 |
| Auto insurance / yr | $2,400 | $1,300 |
| Flood insurance / yr | $750 | $600 |
| Earthquake insurance / yr | $950 | $100 |
| Electricity ¢/kWh | 35.3 | 19.5 |
| Gas $/gal | 4.85 | 3.25 |
| Natural gas / mo | $72 | $78 |
| Water & sewer / mo | $138 | $104 |
| Home internet / mo | $83 | $76 |
| Violent crime /100k | 500 | 300 |
| Avg summer high °F | 84 | 85 |
| Avg winter low °F | 45 | 20 |
| Annual precipitation (in) | 22.9 | 45.3 |
| Annual snowfall (in) | 0.0 | 23.3 |
| Sunshine (% possible) | 66% | 50% |
| Permit difficulty (1–5) | 5 | 2 |