City comparison
San Francisco, CA vs San Luis Obispo, CA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in San Francisco, CA are 6.5% higher than in San Luis Obispo, CA. Someone earning $100,000 in San Luis Obispo, CA would need about $106,500 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 $1,914 in San Luis Obispo, CA. On $100,000, that's 48% of take-home pay in San Francisco, CA and 31% in San Luis Obispo, CA.
- Both are in CA, so estimated state income tax is the same: $5,070 a year on $100,000.
- For federal employees, locality pay changes a GS-13 step 1 salary by −6.7% moving from San Francisco, CA to San Luis Obispo, CA ($133,060 → $124,085), while prices change by −6.1%. Net effect of the transfer: −0.7% in real buying power.
- San Francisco, CA: price level 115.6 (much pricier)
- San Luis Obispo, CA: price level 108.6 (much pricier)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| San Francisco, CA | San Luis Obispo, CA | |
|---|---|---|
| Price level (U.S. = 100)2 | 115.6 | 108.6 |
| $100,000 is worth, in the other city2 | $93,931 in San Luis Obispo | $106,462 in San Francisco |
| Typical 1-bedroom rent3 | $2,977/mo | $1,914/mo |
| Take-home on $100,00014,15,8 | $74,110 | $74,110 |
| State income tax on $100,000 (estimate)8 | $5,070 (CA) | $5,070 (CA) |
| Rent burden on $100,000 | 48% | 31% |
| Median pay, all jobs4 | $74,260 | $50,770 |
| Federal locality pay area7 | San Jose-San Francisco-Oakland, CA | Los Angeles-Long Beach, CA |
Rent areas: San Francisco, CA HUD Metro FMR Area and San Luis Obispo-Paso Robles, CA MSA. Metro areas: San Francisco-Oakland-Fremont, CA and San Luis Obispo-Paso Robles, CA.
What costs more or less
| Price level (U.S. = 100) | San Francisco | San Luis Obispo |
|---|---|---|
| Housing (rent) | 194.7 | 144.4 |
| Goods | 108.5 | 105.2 |
| Utilities | 172.6 | 147.8 |
| Other services | 106.2 | 100.3 |
| Overall | 115.6 | 108.6 |
Moving with the same $100,000 salary
San Francisco, CA → San Luis Obispo, CA
Same pay goes further
Buying power +6.5%; rent takes 31% of take-home; state tax +$0/yr.
80 Strong offer
San Luis Obispo, CA → San Francisco, CA
Same pay buys less
Buying power −6.1%; rent takes 48% of take-home; state tax +$0/yr.
15 Weak offer
On the GS pay scale?
San Francisco, CA is in the San Jose-San Francisco-Oakland, CA pay area; San Luis Obispo, CA is in Los Angeles-Long Beach, CA. The last column shows what a transfer from San Francisco, CA to San Luis Obispo, CA at the same grade and step does to real buying power.
| Grade5,2 | San Francisco, CA | San Luis Obispo, CA | Real change, San Francisco → San Luis Obispo |
|---|---|---|---|
| GS-9 step 1 | $77,161 | $71,957 | −0.7% |
| GS-11 step 1 | $93,358 | $87,061 | −0.7% |
| GS-12 step 1 | $111,896 | $104,349 | −0.7% |
| GS-13 step 1 | $133,060 | $124,085 | −0.7% |
| GS-14 step 1 | $157,236 | $146,632 | −0.7% |
Pay for common jobs
| Median annual pay4 | San Francisco, CA | San Luis Obispo, CA | San Luis Obispo pay in San Francisco dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $101,860 | $97,620 | $103,928 (+2.0%) |
| Software Developers | $186,640 | $135,020 | $143,744 (−23.0%) |
| Accountants and Auditors | $110,730 | $88,160 | $93,857 (−15.2%) |
| Registered Nurses | $186,610 | $138,820 | $147,790 (−20.8%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.