Is San Francisco, CA cheaper than Colorado Springs, CO?

Based on cost of living data, San Francisco, CA is 91.3% more expensive than Colorado Springs, CO. This translates to spending an extra $6845 per month.

What salary do I need in San Francisco, CA to live like I do in Colorado Springs, CO?

If you earn $150,000 in Colorado Springs, CO, you'd need approximately $232,135.922 in San Francisco, CA to maintain the same standard of living.

How does housing cost compare between Colorado Springs, CO and San Francisco, CA?

Housing in San Francisco, CA is 241.8% more expensive than in Colorado Springs, CO. For a two-bedroom apartment, rent is $3,570/month in San Francisco, CA compared to $1,800/month in Colorado Springs, CO.

How much can I save per month by moving from Colorado Springs, CO to San Francisco, CA?

Living in San Francisco, CA costs approximately $6845 more per month than Colorado Springs, CO, or $82136 more per year, based on a $150,000 salary.

MoveNumbers

Colorado Springs, CO

Tap to swap

San Francisco, CA

Cost of Living Comparison 2026

Current salary in Colorado Springs, CO

Numbers update automatically as you type

You'd spend $6.8K/month more in San Francisco, CA

$150.0K in your current city equals $232.1K in San Francisco, CA

Rent data from HUD ZIP-level estimates · COL index from Colorado Springs, CO area

Overall Cost

↑ 91.3%

More expensive

Monthly Impact

$6,845

Extra cost

Annual Impact

$82.1K

Per year

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

Colorado Springs, CO

Population:479K

Cost Index:100

Median Home:$415K

San Francisco, CA

Population:874K

Cost Index:191

Median Home:$1.25M

Colorado Springs, CO

The Centennial State

479K

Population

State Tax

Yes

Located in Colorado, this city has a population of 479K 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: Colorado Springs, CO vs San Francisco, CA

Category	Colorado Springs, CO	San Francisco, CA	Difference	Change
🏠Housing	$2,859/mo	$9,771/mo	↑ $6,913more	241.8%
🚗Transportation	$1,270/mo	$2,158/mo	↑ $888more	69.9%
🛒Groceries	$999/mo	$1,159/mo	↑ $160more	16.0%
📦Other	$1,791/mo	$1,875/mo	↑ $83.70more	4.7%
🏥Healthcare	$626/mo	$706/mo	↑ $80.54more	12.9%
⚡All Utilities	$454/mo	$448/mo	↓ $5.46less	1.2%

🏠Housing

↑ 241.8%

Colorado Springs, CO

$2,859

San Francisco, CA

$9,771

Difference

$6,913

🚗Transportation

↑ 69.9%

Colorado Springs, CO

$1,270

San Francisco, CA

$2,158

Difference

$888

🛒Groceries

↑ 16.0%

Colorado Springs, CO

$999

San Francisco, CA

$1,159

Difference

$160

📦Other

↑ 4.7%

Colorado Springs, CO

$1,791

San Francisco, CA

$1,875

Difference

$83.70

🏥Healthcare

↑ 12.9%

Colorado Springs, CO

$626

San Francisco, CA

$706

Difference

$80.54

⚡All Utilities

↓ 1.2%

Colorado Springs, CO

$454

San Francisco, CA

$448

Difference

$5.46

less

🏠Rent Comparison

Studio

From$1,240

To$2,460

↑ $1,220

1 Bed

From$1,520

To$2,950

↑ $1,430

2 Bed

From$1,800

To$3,570

↑ $1,770

3 Bed

From$2,505

To$4,560

↑ $2,055

Colorado Springs, COZIP-level data

1BR range: $1,210–$2,050/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.

$7,999

Monthly in Colorado Springs, CO

$16,118

Monthly in San Francisco, CA

$8,119

Difference

Home Values

Colorado Springs

San Francisco

$415K

Median Value

$1.25M

↓ -2.2%

YoY Change

↑ +3.7%

↑ +22.4%

5-Year Change

↓ -7.5%

$314K - $709K

Price Range

$693K - $2.12M

Homes in San Francisco are 200% more expensive than Colorado Springs

Calculate payment - Colorado Springs Calculate payment - San Francisco

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

Colorado Springs, 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

Colorado Springs, 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.