San Francisco, CA vs Urban Honolulu, HI
Moving from San Francisco to Urban Honolulu? Here's what changes — from your equivalent salary to housing ($1,149,215 → $851,163 median home) and taxes.
San Francisco vs Urban Honolulu 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 $94,788 in Urban Honolulu, HI (−$5,212).
Livability — San Francisco, CA: 35 · Urban Honolulu, HI: 48 (0–100).
What your home budget buys
A $500,000 home budget gets you about 653 sqft in San Francisco vs 881 sqft in Urban Honolulu ($766 vs $567 per sqft).
Annual cost breakdown (at $100,000)
| Category | San Francisco, CA | Urban Honolulu, HI | Difference |
|---|---|---|---|
| Housing | $39,096 | $35,760 | −$3,336 |
| Groceries | $5,761 | $5,517 | −$244 |
| Transportation | $5,125 | $3,900 | −$1,225 |
| Utilities | $3,804 | $5,040 | +$1,236 |
| Insurance | $1,500 | $1,100 | −$400 |
| Taxes | $24,108 | $14,943 | −$9,165 |
| Total | $79,394 | $66,260 | −$13,134 |
Side by side
| Metric | San Francisco, CA | Urban Honolulu, HI |
|---|---|---|
| Cost-of-living index | 117.6 | 111.4 |
| Unemployment rate | 5.22% | 4.79% |
| Population growth (5-yr) | 1.1% | 2.0% |
| Air quality (median AQI) | 53 | 31 |
| Big Mac price (est.) | $6.69 | $6.34 |
| Median home price | $1,149,215 | $851,163 |
| Home price ÷ income | 8.9× | 8.5× |
| 1-yr home appreciation | -0.8% | 0.6% |
| Price per square foot | $766 | $567 |
| Median rent | $3,258 | $2,980 |
| Total tax burden (% income) | 13.5% | 14.1% |
| Combined sales tax | 8.82% | 4.50% |
| Capital gains tax | 13.30% | 11.00% |
| Property tax rate | 0.72% | 0.28% |
| Healthcare (annual) | $7,200 | $5,800 |
| Childcare (annual, infant) | $19,000 | $15,000 |
| Vehicle property tax | 0.65% | None |
| Avg commute (min) | 33 | 27 |
| Home insurance / yr | $1,500 | $1,100 |
| Auto insurance / yr | $2,400 | $1,400 |
| Flood insurance / yr | $750 | $800 |
| Earthquake insurance / yr | $950 | $550 |
| Electricity ¢/kWh | 35.3 | 46.6 |
| Gas $/gal | 4.85 | 4.70 |
| Violent crime /100k | 500 | 260 |
| Avg summer high °F | 84 | 85 |
| Avg winter low °F | 45 | 66 |
| Permit difficulty (1–5) | 5 | 5 |