Is Miami, FL cheaper than San Francisco, CA?

Based on cost of living data, Miami, FL is 37.6% cheaper than San Francisco, CA. This translates to saving $2817 per month.

What salary do I need in Miami, FL to live like I do in San Francisco, CA?

If you earn $150,000 in San Francisco, CA, you'd need approximately $116,192.893 in Miami, FL to maintain the same standard of living.

How does housing cost compare between San Francisco, CA and Miami, FL?

Housing in Miami, FL is 62.2% cheaper than in San Francisco, CA. For a two-bedroom apartment, rent is $2,660/month in Miami, FL compared to $3,570/month in San Francisco, CA.

How much can I save per month by moving from San Francisco, CA to Miami, FL?

Moving from San Francisco, CA to Miami, FL could save you approximately $2817 per month, or $33807 per year, based on a $150,000 salary.

MoveNumbers

San Francisco, CA

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Miami, FL

Cost of Living Comparison 2026

Current salary in San Francisco, CA

Numbers update automatically as you type

You'd save $2.8K/month moving to Miami, FL

$150.0K in your current city equals $116.2K in Miami, FL

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

Overall Cost

↓ 37.6%

Less expensive

Monthly Impact

$2,817

Savings

Annual Impact

$33.8K

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

Miami, FL

Population:442K

Cost Index:62

Median Home:$510K

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

Miami, FL

The Sunshine State

442K

Population

State Tax

No Income Tax

Climate

Tropical

Notable Facts

•Gateway to Latin America
•Major cruise port
•International business hub

Major Industries

International TradeTourismFinanceReal Estate

Cost Breakdown by Category

Annual spending: San Francisco, CA vs Miami, FL

Category	San Francisco, CA	Miami, FL	Difference	Change
🏠Housing	$9,771/mo	$3,690/mo	↓ $6,081less	62.2%
🚗Transportation	$2,158/mo	$1,462/mo	↓ $697less	32.3%
📦Other	$1,875/mo	$2,093/mo	↑ $218more	11.6%
🏥Healthcare	$706/mo	$589/mo	↓ $118less	16.7%
🛒Groceries	$1,159/mo	$1,079/mo	↓ $79.94less	6.9%
⚡All Utilities	$448/mo	$519/mo	↑ $71.03more	15.9%

🏠Housing

↓ 62.2%

San Francisco, CA

$9,771

Miami, FL

$3,690

Difference

$6,081

less

🚗Transportation

↓ 32.3%

San Francisco, CA

$2,158

Miami, FL

$1,462

Difference

$697

less

📦Other

↑ 11.6%

San Francisco, CA

$1,875

Miami, FL

$2,093

Difference

$218

🏥Healthcare

↓ 16.7%

San Francisco, CA

$706

Miami, FL

$589

Difference

$118

less

🛒Groceries

↓ 6.9%

San Francisco, CA

$1,159

Miami, FL

$1,079

Difference

$79.94

less

⚡All Utilities

↑ 15.9%

San Francisco, CA

$448

Miami, FL

$519

Difference

$71.03

🏠Rent Comparison

Studio

From$2,460

To$1,995

↓ $465

1 Bed

From$2,950

To$2,180

↓ $770

2 Bed

From$3,570

To$2,660

↓ $910

3 Bed

From$4,560

To$3,415

↓ $1,145

San Francisco, CAZIP-level data

1BR range: $2,510–$3,910/mo

Miami, FLZIP-level data

1BR range: $1,550–$2,990/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

$9,431

Monthly in Miami, FL

$6,687

Difference

Home Values

San Francisco

Miami

$1.25M

Median Value

$510K

↑ +3.7%

YoY Change

↓ -3.6%

↓ -7.5%

5-Year Change

↑ +49.4%

$693K - $2.12M

Price Range

$278K - $1.53M

Homes in Miami are 59% less expensive than San Francisco

Calculate payment - San Francisco Calculate payment - Miami

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $10.6K

Per year

Monthly Difference

$886

More take-home

Effective Rate Diff

7.1%

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

Miami, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Additional Tax Information

San Francisco, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

Miami, FL Tax Rates

Sales Tax:7.2%

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.