City comparison
Fort Wayne, IN vs San Francisco, CA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in San Francisco, CA are 24.9% higher than in Fort Wayne, IN. Someone earning $100,000 in Fort Wayne, IN would need about $124,900 in San Francisco, CA to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $2,977 a month in San Francisco, CA versus $916 in Fort Wayne, IN. On $100,000, that's 48% of take-home pay in San Francisco, CA and 14% in Fort Wayne, IN.
- On $100,000, estimated state income tax is about $2,150 a year higher in San Francisco, CA than in Fort Wayne, IN.
- For federal employees, locality pay changes a GS-13 step 1 salary by +25.0% moving from Fort Wayne, IN to San Francisco, CA ($106,437 → $133,060), while prices change by +24.9%. Net effect of the transfer: +0.1% in real buying power.
- Fort Wayne, IN: price level 92.6 (cheaper)
- San Francisco, CA: price level 115.6 (much pricier)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Fort Wayne, IN | San Francisco, CA | |
|---|---|---|
| Price level (U.S. = 100)2 | 92.6 | 115.6 |
| $100,000 is worth, in the other city2 | $124,890 in San Francisco | $80,071 in Fort Wayne |
| Typical 1-bedroom rent3 | $916/mo | $2,977/mo |
| Take-home on $100,00014,15,8 | $76,260 | $74,110 |
| State income tax on $100,000 (estimate)8 | $2,921 (IN) | $5,070 (CA) |
| Rent burden on $100,000 | 14% | 48% |
| Median pay, all jobs4 | $47,700 | $74,260 |
| Federal locality pay area7 | Rest of U.S. | San Jose-San Francisco-Oakland, CA |
Rent areas: Fort Wayne, IN HUD Metro FMR Area and San Francisco, CA HUD Metro FMR Area. Metro areas: Fort Wayne, IN and San Francisco-Oakland-Fremont, CA.
What costs more or less
| Price level (U.S. = 100) | Fort Wayne | San Francisco |
|---|---|---|
| Housing (rent) | 72.3 | 194.7 |
| Goods | 94.3 | 108.5 |
| Utilities | 86.2 | 172.6 |
| Other services | 99.1 | 106.2 |
| Overall | 92.6 | 115.6 |
Moving with the same $100,000 salary
Fort Wayne, IN → San Francisco, CA
Same pay buys less
Buying power −19.9%; rent takes 48% of take-home; state tax +$2,150/yr.
3 Weak offer
San Francisco, CA → Fort Wayne, IN
Same pay goes further
Buying power +24.9%; rent takes 14% of take-home; state tax −$2,150/yr.
100 Strong offer
On the GS pay scale?
Fort Wayne, IN is in the Rest of U.S. pay area; San Francisco, CA is in San Jose-San Francisco-Oakland, CA. The last column shows what a transfer from Fort Wayne, IN to San Francisco, CA at the same grade and step does to real buying power.
| Grade5,2 | Fort Wayne, IN | San Francisco, CA | Real change, Fort Wayne → San Francisco |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $77,161 | +0.1% |
| GS-11 step 1 | $74,678 | $93,358 | +0.1% |
| GS-12 step 1 | $89,508 | $111,896 | +0.1% |
| GS-13 step 1 | $106,437 | $133,060 | +0.1% |
| GS-14 step 1 | $125,776 | $157,236 | +0.1% |
Pay for common jobs
| Median annual pay4 | Fort Wayne, IN | San Francisco, CA | San Francisco pay in Fort Wayne dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $59,800 | $101,860 | $81,560 (+36.4%) |
| Software Developers | $101,560 | $186,640 | $149,444 (+47.1%) |
| Accountants and Auditors | $75,250 | $110,730 | $88,662 (+17.8%) |
| Registered Nurses | $79,630 | $186,610 | $149,420 (+87.6%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.