Newark, NJ vs San Francisco, CA: Cost of Living

Which city costs less?

San Francisco, CA has a modeled overall cost index 17.3% higher than Newark, NJ.

Newark, NJ · modeled 2BR rent: $1,930 / month
San Francisco, CA · modeled 2BR rent: $3,570 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

Adjust your income and compare the budget ↓

Tap to swap

Cost of Living Comparison 2026

Compare Newark, NJ and San Francisco, CA using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Newark, NJ

Numbers update automatically as you type

Estimated extra cost: $1,300/month in San Francisco, CA

$150,000 in your current city has a modeled equivalent of $165,598 in San Francisco, CA

Regional cost estimates: Newark, NJ uses New York-Newark-Jersey City, NY-NJ-PA Metropolitan Area. San Francisco, CA uses San Francisco-Oakland-Berkeley, CA Metropolitan Area. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 17.3%

More expensive

Monthly Impact

$1,300

Extra cost

Annual Impact

$15.6K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Newark, NJ

Population:312K

Cost Index:

168.0

100 = national average

Typical Home:$484K

San Francisco, CA

Population:874K

Cost Index:

197.0

100 = national average

Typical Home:$1.25M

Planning the move to San Francisco?

Organize packing, address changes, and moving-day tasks with a free checklist. Your progress saves in this browser. No account needed.

Plan my move with the free checklist

Newark, NJ

The Garden State

312K

Population

State Tax

Yes

Located in New Jersey, this city has a population of 312K 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

Estimated monthly spending: Newark, NJ vs San Francisco, CA

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Newark, NJ	San Francisco, CA	Difference	Change
Housing	$4,176/mo	$5,335/mo	↑ $1,159more	27.8%
Transportation	$875/mo	$1,178/mo	↑ $304more	34.7%
Other	$1,110/mo	$1,024/mo	↓ $86.83less	7.8%
All Utilities	$328/mo	$245/mo	↓ $82.93less	25.3%
Healthcare	$375/mo	$386/mo	↑ $10.15more	2.7%
Groceries	$636/mo	$633/mo	↓ $3.27less	0.5%

Housing

↑ 27.8%

Newark, NJ

$4,176

San Francisco, CA

$5,335

Difference

$1,159

Transportation

↑ 34.7%

Newark, NJ

$875

San Francisco, CA

$1,178

Difference

$304

Other

↓ 7.8%

Newark, NJ

$1,110

San Francisco, CA

$1,024

Difference

$86.83

less

All Utilities

↓ 25.3%

Newark, NJ

$328

San Francisco, CA

$245

Difference

$82.93

less

Healthcare

↑ 2.7%

Newark, NJ

$375

San Francisco, CA

$386

Difference

$10.15

Groceries

↓ 0.5%

Newark, NJ

$636

San Francisco, CA

$633

Difference

$3.27

less

🏛️ Local Income Taxes

Newark, NJ: Newark Payroll Tax$1,500/yr (1.0%)

San Francisco, CA has no local income tax recorded in this dataset.

Local taxes are shown separately and are not included in the living-cost totals. Coverage is incomplete; an absent entry does not establish that no tax applies.

🏠Rent Comparison

Studio

From$1,400

To$2,460

↑ $1,060

1 Bed

From$1,600

To$2,950

↑ $1,350

2 Bed

From$1,930

To$3,570

↑ $1,640

3 Bed

From$2,430

To$4,560

↑ $2,130

Newark, NJZIP-level data

1BR range: $1,600–$1,610/mo

San Francisco, CAZIP-level data

1BR range: $2,510–$3,910/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Newark, NJ

$8,800

Monthly in San Francisco, CA

$1,300

Difference

Home Values

Newark

San Francisco

$484K

Median Value

$1.25M

↓ -0.4%

YoY Change

↑ +3.7%

↑ +30.9%

5-Year Change

↓ -7.5%

$395K - $565K

Price Range

$693K - $2.12M

Homes in San Francisco are 157% more expensive than Newark

Calculate payment - Newark Calculate payment - San Francisco

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $3.2K

More taxes

Monthly Difference

$266

Less take-home

Effective Rate Diff

2.1%

Rate difference

Newark, NJ

Federal Income Tax

Effective: 18.9%

$25.5K

New Jersey State Tax

Effective: 5.0%

$7.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,796/month

$105.6K

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

Newark, NJ Tax Rates

Sales Tax:6.6%

Property Tax:2.5%

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.

🚶 Walkability

Modeled road attributes, not a safety assessment. Methodology and limitations

Newark, NJ

20/100

1.1% sidewalk tags · 3.2% cycling tags

San Francisco, CA

36/100

7.7% sidewalk tags · 6.5% cycling tags

Environment

Newark

San Francisco

N/A

Air Quality

33 Good

Good Air Days

76%

98 High

Climate Risk

100 Very High

🌊🌡🌪

Top Hazards

🌊🫨

▲+2.9°F

2050 Outlook

▲+2.0°F

15 days

Heat Days >95°F

1 days

▲+2.9°F

2050 Outlook

▲+2.0°F

15 days

Heat Days >95°F

1 days

Before moving from Newark, NJ to San Francisco, CA

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in San Francisco, CA for the same bedroom count and included utilities as your home in Newark, NJ. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Newark to San Francisco moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to San Francisco, CA by cost, housing, population and region.

Frequently Asked Questions: Newark, NJ vs San Francisco, CA

How do the cost estimates for Newark, NJ and San Francisco, CA compare?

San Francisco, CA has a modeled overall cost index 17.3% higher than Newark, NJ. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Newark, NJ, the model estimates $165,598 in San Francisco, CA. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Newark, NJ and San Francisco, CA?

The modeled two-bedroom rents are $1,930/month in Newark, NJ and $3,570/month in San Francisco, CA. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

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