Santa Cruz, CA vs San Francisco, CA
Moving from Santa Cruz to San Francisco? Here's what changes — from your equivalent salary to housing ($1,157,157 → $1,149,215 median home) and taxes.
Santa Cruz 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 Santa Cruz, CA, you'd need about $104,236 in San Francisco, CA (+$4,236).
Livability — Santa Cruz, CA: 38 · San Francisco, CA: 35 (0–100).
What your home budget buys
A $500,000 home budget gets you about 648 sqft in Santa Cruz vs 653 sqft in San Francisco ($771 vs $766 per sqft).
Annual cost breakdown (at $100,000)
| Category | Santa Cruz, CA | San Francisco, CA | Difference |
|---|---|---|---|
| Housing | $43,188 | $39,096 | −$4,092 |
| 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 | $22,398 | $24,108 | +$1,710 |
| Total | $81,262 | $79,394 | −$1,868 |
Side by side
| Metric | Santa Cruz, CA | San Francisco, CA |
|---|---|---|
| Cost-of-living index | 112.8 | 117.6 |
| Unemployment rate | 5.94% | 5.22% |
| Population growth (5-yr) | -1.7% | 1.1% |
| Air quality (median AQI) | 42 | 42 |
| Big Mac price (est.) | $6.42 | $6.69 |
| Median home price | $1,157,157 | $1,149,215 |
| Home price ÷ income | 11.1× | 8.9× |
| 1-yr home appreciation | 2.9% | -0.8% |
| Price per square foot | $771 | $766 |
| Median rent | $3,599 | $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 | 0.63% | 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) | 27 | 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) | 22.9 | 22.9 |
| Annual snowfall (in) | 0.0 | 0.0 |
| Sunshine (% possible) | 68% | 66% |
| Permit difficulty (1–5) | 5 | 5 |