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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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Numbers update automatically as you type

You'd spend $5.9K/month more in San Francisco, CA

$150.0K in your current city equals $221.2K in San Francisco, CA

Rent data from HUD ZIP-level estimates · COL index from Denver-Aurora-Lakewood, CO area
Overall Cost
79.1%
More expensive
Monthly Impact
$5,932
Extra cost
Annual Impact
$71.2K
Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Aurora, CO

Population:395K
Cost Index:
100
100 = national average
Median Home:$431K

San Francisco, CA

Population:874K
Cost Index:
179
(79% above avg)
Median Home:$1.25M

Aurora, CO

The Centennial State

395K
Population
State Tax
Yes

Located in Colorado, this city has a population of 395K residents.

San Francisco, CA

The Golden State

874K
Population
State Tax
Yes
Climate
Mediterranean

Notable Facts

  • Global technology hub
  • Historic cable cars
  • Major startup ecosystem

Major Industries

TechnologyFinanceTourismBiotechnology

Cost Breakdown by Category

Annual spending: Aurora, CO vs San Francisco, CA

Housing
200.8%
Aurora, CO
$3,248
San Francisco, CA
$9,771
Difference
$6,523
more
Transportation
47.7%
Aurora, CO
$1,462
San Francisco, CA
$2,158
Difference
$697
more
Groceries
12.6%
Aurora, CO
$1,029
San Francisco, CA
$1,159
Difference
$130
more
Other
5.7%
Aurora, CO
$1,774
San Francisco, CA
$1,875
Difference
$100
more
Healthcare
11.8%
Aurora, CO
$632
San Francisco, CA
$706
Difference
$74.35
more
All Utilities
13.7%
Aurora, CO
$519
San Francisco, CA
$448
Difference
$71.03
less

🏛️ Local Income Taxes

Aurora, CO: Aurora Head Tax ($2/mo, negligible)$24.00/yr (0.0%)

San Francisco, CA has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio
From$1,685
To$2,460
$775
1 Bed
From$1,795
To$2,950
$1,155
2 Bed
From$2,140
To$3,570
$1,430
3 Bed
From$2,805
To$4,560
$1,755
Aurora, COZIP-level data

1BR range: $1,620$2,270/mo

San Francisco, CAZIP-level data

1BR range: $2,510$3,910/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$8,665
Monthly in Aurora, CO
$16,118
Monthly in San Francisco, CA
$7,453
Difference

Home Values

Aurora
San Francisco
$431K
Median Value
$1.25M
↓ -4.2%
YoY Change
↑ +3.7%
↑ +18.4%
5-Year Change
↓ -7.5%
$353K - $728K
Price Range
$693K - $2.12M

Homes in San Francisco are 189% more expensive than Aurora

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$4.0K
More taxes
Monthly Difference
$336
Less take-home
Effective Rate Diff
2.7%
Rate difference

Aurora, CO

Federal Income Tax
Effective: 18.9%
$25.5K
Colorado State Tax
Effective: 4.4%
$6.6K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.1%
$43.6K
Take-Home Pay
$8,866/month
$106.4K

San Francisco, CA

Federal Income Tax
Effective: 18.9%
$25.5K
California State Tax
Effective: 7.1%
$10.6K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.8%
$47.6K
Take-Home Pay
$8,530/month
$102.4K

Additional Tax Information

Aurora, CO Tax Rates

Sales Tax:7.8%
Property Tax:0.5%

San Francisco, CA Tax Rates

Sales Tax:10.5%
Property Tax:0.8%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Aurora
San Francisco
55 Moderate
Air Quality
33 Good
35.2%
Good Air Days
76%
95 High
Climate Risk
100 Very High
🌊🌪💨
Top Hazards
🌊🫨
+3.3°F
2050 Outlook
+2.0°F
28 days
Heat Days >95°F
1 days
+3.3°F
2050 Outlook
+2.0°F
28 days
Heat Days >95°F
1 days

What to Consider When Moving from Aurora, CO to San Francisco, CA

Relocating from Aurora, CO to San Francisco, CA involves more than just comparing rent prices. While the overall cost of living is roughly 79% higher in San Francisco, CA, your actual experience will depend on your lifestyle, job situation, and priorities. Here are the key factors to weigh before making the move.

Housing & Rent

Housing is typically the largest line item in any budget, and it’s where the biggest differences show up between cities. In this comparison, housing in San Francisco, CA is 201% more expensive than in Aurora, CO. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas — not just city averages — before signing a lease. If you’re buying, factor in property tax rates, which vary significantly by county and state.

Job Market & Salary Adjustments

A lower cost of living doesn’t help if your salary drops proportionally. Before committing to a move, research whether employers in San Francisco, CA pay comparable wages for your role. Remote workers may keep their current salary, but some companies adjust pay based on location. Use the salary calculator above to see what you’d need to earn in San Francisco, CA to match your current standard of living in Aurora, CO.

Taxes & Take-Home Pay

State income tax, property tax, and sales tax all affect how far your paycheck stretches. Some states have no income tax but make up for it with higher property or sales taxes. The tax comparison section above breaks down how your take-home pay would change. Don’t forget about vehicle registration fees, tolls, and other state-specific costs that add up over a year.

Quality of Life & Lifestyle Fit

Numbers only tell part of the story. Consider climate preferences, commute times, proximity to family, school quality if you have children, healthcare access, and the general “feel” of a city. A place that’s 15% cheaper might not be worth it if it means a longer commute or fewer amenities you value. If possible, visit San Francisco, CA for a week before making a final decision — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Aurora, CO vs San Francisco, CA

Is San Francisco, CA cheaper than Aurora, CO?

San Francisco, CA is approximately 79.1% more expensive than Aurora, CO overall. On a $150,000 salary, that translates to roughly $5,932/month in additional expenses. Housing is the biggest factor, costing 201% more in San Francisco, CA.

What salary do I need in San Francisco, CA to match my lifestyle in Aurora, CO?

If you currently earn $150,000 in Aurora, CO, you would need approximately $221,182 in San Francisco, CA to maintain the same standard of living. This accounts for differences in housing, groceries, transportation, utilities, healthcare, and other typical expenses. Use the salary input above to adjust this based on your actual income.

How does rent compare between Aurora, CO and San Francisco, CA?

A two-bedroom apartment averages $2,140/month in Aurora, CO compared to $3,570/month in San Francisco, CA. One-bedroom apartments are $1,795/month in Aurora, CO vs $2,950/month in San Francisco, CA. These are area-wide medians — specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in Aurora, CO or San Francisco, CA?

Groceries are about 13% more expensive in San Francisco, CA than in Aurora, CO, which adds roughly $130/month to a typical household budget. This covers common items like produce, dairy, meat, and pantry staples based on BLS consumer expenditure data.

What is the best time to move from Aurora, CO to San Francisco, CA?

Most people find that moving during the off-season (October through March) results in lower moving costs, since demand for movers and rental trucks drops. If you're renting, you may also find more negotiable lease terms during winter months. However, if you have school-age children, summer moves allow for a smoother school transition. For the best combination of availability and price, consider moving in early fall or late spring.

💰 See how taxes change too — compare take-home pay between Colorado and California on TaxTakeHome.com

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