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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd save $3.5K/month moving to Boise City, ID

$150.0K in your current city equals $108.4K in Boise City, ID

Rent data from HUD ZIP-level estimates · COL index from San Francisco-Oakland-Berkeley, CA area
Overall Cost
46.2%
Less expensive
Monthly Impact
$3,464
Savings
Annual Impact
$41.6K
Per year

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

San Francisco, CA

Population:874K
Cost Index:
100
100 = national average
Median Home:$1.25M

Boise City, ID

Population:235K
Cost Index:
54
(46% below avg)
Median Home:$504K

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

Boise City, ID

The Gem State

235K
Population
State Tax
Yes

Located in Idaho, this city has a population of 235K residents.

Cost Breakdown by Category

Annual spending: San Francisco, CA vs Boise City, ID

Housing
69.4%
San Francisco, CA
$9,771
Boise City, ID
$2,989
Difference
$6,783
less
Transportation
38.6%
San Francisco, CA
$2,158
Boise City, ID
$1,325
Difference
$833
less
Groceries
15.5%
San Francisco, CA
$1,159
Boise City, ID
$979
Difference
$180
less
Other
5.4%
San Francisco, CA
$1,875
Boise City, ID
$1,774
Difference
$100
less
Healthcare
8.8%
San Francisco, CA
$706
Boise City, ID
$644
Difference
$61.96
less
All Utilities
8.5%
San Francisco, CA
$448
Boise City, ID
$486
Difference
$38.25
more

🏠Rent Comparison

Studio
From$2,460
To$950
$1,510
1 Bed
From$2,950
To$1,100
$1,850
2 Bed
From$3,570
To$1,400
$2,170
3 Bed
From$4,560
To$1,950
$2,610
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.

$16,118
Monthly in San Francisco, CA
$8,198
Monthly in Boise City, ID
$7,920
Difference

Home Values

San Francisco
Boise City
$1.25M
Median Value
-
↑ +3.7%
YoY Change
-
↓ -7.5%
5-Year Change
-
$693K - $2.12M
Price Range
-

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$5.6K
More taxes
Monthly Difference
$468
Less take-home
Effective Rate Diff
3.7%
Rate difference

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

Boise City, ID

Federal Income Tax
Effective: 18.9%
$25.5K
Idaho State Tax
Effective: 10.8%
$16.2K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 35.5%
$53.3K
Take-Home Pay
$8,062/month
$96.7K

Additional Tax Information

San Francisco, CA Tax Rates

Sales Tax:10.5%
Property Tax:0.8%

Boise City, ID Tax Rates

Sales Tax:6.3%
Property Tax:0.7%

💡 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

San Francisco
Boise City
33 Good
Air Quality
44 Good
76%
Good Air Days
62.8%
100 Very High
Climate Risk
88 Moderate
🌊🫨
Top Hazards
🔥💨
+2.0°F
2050 Outlook
+3.3°F
1 days
Heat Days >95°F
49 days
+2.0°F
2050 Outlook
+3.3°F
1 days
Heat Days >95°F
49 days

What to Consider When Moving from San Francisco, CA to Boise City, ID

Relocating from San Francisco, CA to Boise City, ID involves more than just comparing rent prices. While the overall cost of living is about 46% lower in Boise City, ID, 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 Boise City, ID is 69% cheaper than in San Francisco, CA. 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 Boise City, ID 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 Boise City, ID to match your current standard of living in San Francisco, CA.

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 Boise City, ID for a week before making a final decision — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: San Francisco, CA vs Boise City, ID

Is Boise City, ID cheaper than San Francisco, CA?

Yes, Boise City, ID is about 46.2% cheaper than San Francisco, CA. You could save approximately $3,464/month on a $150,000 salary. Housing costs are 69% lower in Boise City, ID.

What salary do I need in Boise City, ID to match my lifestyle in San Francisco, CA?

If you currently earn $150,000 in San Francisco, CA, you would need approximately $108,426 in Boise City, ID 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 San Francisco, CA and Boise City, ID?

A two-bedroom apartment averages $3,570/month in San Francisco, CA compared to $1,400/month in Boise City, ID. One-bedroom apartments are $2,950/month in San Francisco, CA vs $1,100/month in Boise City, ID. 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 San Francisco, CA or Boise City, ID?

Groceries are about 16% cheaper in Boise City, ID than in San Francisco, CA, saving a typical household roughly $180/month on food.

What is the best time to move from San Francisco, CA to Boise City, ID?

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 California and Idaho on TaxTakeHome.com

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