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

Based on cost of living data, Colorado Springs, CO is 47.7% cheaper than San Francisco, CA. This translates to saving $3579 per month.

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

If you earn $150,000 in San Francisco, CA, you'd need approximately $107,055.838 in Colorado Springs, CO to maintain the same standard of living.

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

Housing in Colorado Springs, CO is 70.7% cheaper than in San Francisco, CA. For a two-bedroom apartment, rent is $1,800/month in Colorado Springs, CO compared to $3,570/month in San Francisco, CA.

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

Moving from San Francisco, CA to Colorado Springs, CO could save you approximately $3579 per month, or $42944 per year, based on a $150,000 salary.

MoveNumbers

San Francisco, CA

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Colorado Springs, CO

Cost of Living Comparison 2026

Current salary in San Francisco, CA

Numbers update automatically as you type

You'd save $3.6K/month moving to Colorado Springs, CO

$150.0K in your current city equals $107.1K in Colorado Springs, CO

Rent data from HUD ZIP-level estimates · COL index from San Francisco-Oakland-Berkeley, CA area

Overall Cost

↓ 47.7%

Less expensive

Monthly Impact

$3,579

Savings

Annual Impact

$42.9K

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

Median Home:$1.25M

Colorado Springs, CO

Population:479K

Cost Index:52

Median Home:$415K

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

Colorado Springs, CO

The Centennial State

479K

Population

State Tax

Yes

Located in Colorado, this city has a population of 479K residents.

Cost Breakdown by Category

Annual spending: San Francisco, CA vs Colorado Springs, CO

Category	San Francisco, CA	Colorado Springs, CO	Difference	Change
🏠Housing	$9,771/mo	$2,859/mo	↓ $6,913less	70.7%
🚗Transportation	$2,158/mo	$1,270/mo	↓ $888less	41.1%
🛒Groceries	$1,159/mo	$999/mo	↓ $160less	13.8%
📦Other	$1,875/mo	$1,791/mo	↓ $83.70less	4.5%
🏥Healthcare	$706/mo	$626/mo	↓ $80.54less	11.4%
⚡All Utilities	$448/mo	$454/mo	↑ $5.46more	1.2%

🏠Housing

↓ 70.7%

San Francisco, CA

$9,771

Colorado Springs, CO

$2,859

Difference

$6,913

less

🚗Transportation

↓ 41.1%

San Francisco, CA

$2,158

Colorado Springs, CO

$1,270

Difference

$888

less

🛒Groceries

↓ 13.8%

San Francisco, CA

$1,159

Colorado Springs, CO

$999

Difference

$160

less

📦Other

↓ 4.5%

San Francisco, CA

$1,875

Colorado Springs, CO

$1,791

Difference

$83.70

less

🏥Healthcare

↓ 11.4%

San Francisco, CA

$706

Colorado Springs, CO

$626

Difference

$80.54

less

⚡All Utilities

↑ 1.2%

San Francisco, CA

$448

Colorado Springs, CO

$454

Difference

$5.46

🏠Rent Comparison

Studio

From$2,460

To$1,240

↓ $1,220

1 Bed

From$2,950

To$1,520

↓ $1,430

2 Bed

From$3,570

To$1,800

↓ $1,770

3 Bed

From$4,560

To$2,505

↓ $2,055

San Francisco, CAZIP-level data

1BR range: $2,510–$3,910/mo

Colorado Springs, COZIP-level data

1BR range: $1,210–$2,050/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

$7,999

Monthly in Colorado Springs, CO

$8,119

Difference

Home Values

San Francisco

Colorado Springs

$1.25M

Median Value

$415K

↑ +3.7%

YoY Change

↓ -2.2%

↓ -7.5%

5-Year Change

↑ +22.4%

$693K - $2.12M

Price Range

$314K - $709K

Homes in Colorado Springs are 67% less expensive than San Francisco

Calculate payment - San Francisco Calculate payment - Colorado Springs

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $4.0K

Per year

Monthly Difference

$336

More take-home

Effective Rate Diff

2.7%

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

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

Additional Tax Information

San Francisco, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

Colorado Springs, CO Tax Rates

Sales Tax:7.8%

Property Tax:0.5%

💡 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.