San Francisco, CA vs Memphis, TN
Moving from San Francisco to Memphis? Here's what changes — from your equivalent salary to housing ($1,149,215 → $247,229 median home) and taxes.
San Francisco vs Memphis 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 $78,219 in Memphis, TN (−$21,781).
Livability — San Francisco, CA: 35 · Memphis, TN: 70 (0–100).
What your home budget buys
A $500,000 home budget gets you about 653 sqft in San Francisco vs 4,045 sqft in Memphis ($766 vs $124 per sqft).
Annual cost breakdown (at $100,000)
| Category | San Francisco, CA | Memphis, TN | Difference |
|---|---|---|---|
| Housing | $39,096 | $17,292 | −$21,804 |
| Groceries | $5,761 | $4,715 | −$1,046 |
| Transportation | $5,125 | $3,130 | −$1,995 |
| Utilities | $3,804 | $1,608 | −$2,196 |
| Insurance | $1,500 | $2,200 | +$700 |
| Taxes | $24,108 | $5,158 | −$18,950 |
| Total | $79,394 | $34,103 | −$45,291 |
Side by side
| Metric | San Francisco, CA | Memphis, TN |
|---|---|---|
| Cost-of-living index | 117.6 | 91.9 |
| Unemployment rate | 5.22% | 6.84% |
| Population growth (5-yr) | 1.1% | -0.6% |
| Air quality (median AQI) | 53 | 56 |
| Big Mac price (est.) | $6.69 | $5.23 |
| Median home price | $1,149,215 | $247,229 |
| Home price ÷ income | 8.9× | 4.0× |
| 1-yr home appreciation | -0.8% | 0.1% |
| Price per square foot | $766 | $124 |
| Median rent | $3,258 | $1,441 |
| Total tax burden (% income) | 13.5% | 7.6% |
| Combined sales tax | 8.82% | 9.55% |
| Capital gains tax | 13.30% | None |
| Property tax rate | 0.72% | 0.87% |
| Healthcare (annual) | $7,200 | $6,300 |
| Childcare (annual, infant) | $19,000 | $9,000 |
| Vehicle property tax | 0.65% | None |
| Avg commute (min) | 33 | 24 |
| Home insurance / yr | $1,500 | $2,200 |
| Auto insurance / yr | $2,400 | $1,600 |
| Flood insurance / yr | $750 | $700 |
| Earthquake insurance / yr | $950 | $350 |
| Electricity ¢/kWh | 35.3 | 14.9 |
| Gas $/gal | 4.85 | 2.95 |
| Violent crime /100k | 500 | 600 |
| Avg summer high °F | 84 | 89 |
| Avg winter low °F | 45 | 30 |
| Permit difficulty (1–5) | 5 | 2 |