San Francisco, CA vs Pensacola, FL
Moving from San Francisco to Pensacola? Here's what changes — from your equivalent salary to housing ($1,149,215 → $310,470 median home) and taxes.
San Francisco vs Pensacola 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 $81,538 in Pensacola, FL (−$18,462).
Livability — San Francisco, CA: 35 · Pensacola, FL: 70 (0–100).
What your home budget buys
A $500,000 home budget gets you about 653 sqft in San Francisco vs 2,980 sqft in Pensacola ($766 vs $168 per sqft).
Annual cost breakdown (at $100,000)
| Category | San Francisco, CA | Pensacola, FL | Difference |
|---|---|---|---|
| Housing | $39,096 | $21,180 | −$17,916 |
| Groceries | $5,761 | $4,813 | −$947 |
| Transportation | $5,125 | $4,800 | −$325 |
| Utilities | $3,804 | $1,656 | −$2,148 |
| Insurance | $1,500 | $4,200 | +$2,700 |
| Taxes | $24,108 | $3,897 | −$20,211 |
| Total | $79,394 | $40,546 | −$38,847 |
Side by side
| Metric | San Francisco, CA | Pensacola, FL |
|---|---|---|
| Cost-of-living index | 117.6 | 95.8 |
| Unemployment rate | 5.22% | 5.65% |
| Population growth (5-yr) | 1.1% | 7.0% |
| Air quality (median AQI) | 53 | 46 |
| Big Mac price (est.) | $6.69 | $5.45 |
| Median home price | $1,149,215 | $310,470 |
| Home price ÷ income | 8.9× | 4.5× |
| 1-yr home appreciation | -0.8% | 0.7% |
| Price per square foot | $766 | $168 |
| Median rent | $3,258 | $1,765 |
| Total tax burden (% income) | 13.5% | 9.1% |
| Combined sales tax | 8.82% | 7.02% |
| Capital gains tax | 13.30% | None |
| Property tax rate | 0.72% | 0.62% |
| Healthcare (annual) | $7,200 | $7,500 |
| Childcare (annual, infant) | $19,000 | $10,000 |
| Vehicle property tax | 0.65% | None |
| Avg commute (min) | 33 | 26 |
| Home insurance / yr | $1,500 | $4,200 |
| Auto insurance / yr | $2,400 | $2,900 |
| Flood insurance / yr | $750 | $1,400 |
| Earthquake insurance / yr | $950 | $100 |
| Electricity ¢/kWh | 35.3 | 15.4 |
| Gas $/gal | 4.85 | 3.35 |
| Violent crime /100k | 500 | 380 |
| Avg summer high °F | 84 | 91 |
| Avg winter low °F | 45 | 52 |
| Permit difficulty (1–5) | 5 | 3 |