Is Minneapolis, MN cheaper than San Francisco, CA?

Based on cost of living data, Minneapolis, MN is 45.2% cheaper than San Francisco, CA. This translates to saving $3388 per month.

What salary do I need in Minneapolis, MN to live like I do in San Francisco, CA?

If you earn $150,000 in San Francisco, CA, you'd need approximately $109,340.102 in Minneapolis, MN to maintain the same standard of living.

How does housing cost compare between San Francisco, CA and Minneapolis, MN?

Housing in Minneapolis, MN is 71.3% cheaper than in San Francisco, CA. For a two-bedroom apartment, rent is $1,700/month in Minneapolis, MN compared to $3,570/month in San Francisco, CA.

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

Moving from San Francisco, CA to Minneapolis, MN could save you approximately $3388 per month, or $40660 per year, based on a $150,000 salary.

MoveNumbers

San Francisco, CA

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Minneapolis, MN

Cost of Living Comparison 2026

Current salary in San Francisco, CA

Numbers update automatically as you type

You'd save $3.4K/month moving to Minneapolis, MN

$150.0K in your current city equals $109.3K in Minneapolis, MN

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

Overall Cost

↓ 45.2%

Less expensive

Monthly Impact

$3,388

Savings

Annual Impact

$40.7K

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

Minneapolis, MN

Population:430K

Cost Index:55

Median Home:$308K

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

Minneapolis, MN

The North Star State

430K

Population

State Tax

Yes

Located in Minnesota, this city has a population of 430K residents.

Cost Breakdown by Category

Annual spending: San Francisco, CA vs Minneapolis, MN

Category	San Francisco, CA	Minneapolis, MN	Difference	Change
🏠Housing	$9,771/mo	$2,807/mo	↓ $6,965less	71.3%
🚗Transportation	$2,158/mo	$1,380/mo	↓ $779less	36.1%
🛒Groceries	$1,159/mo	$1,029/mo	↓ $130less	11.2%
📦Other	$1,875/mo	$1,774/mo	↓ $100less	5.4%
⚡All Utilities	$448/mo	$508/mo	↑ $60.11more	13.4%
🏥Healthcare	$706/mo	$756/mo	↑ $49.57more	7.0%

🏠Housing

↓ 71.3%

San Francisco, CA

$9,771

Minneapolis, MN

$2,807

Difference

$6,965

less

🚗Transportation

↓ 36.1%

San Francisco, CA

$2,158

Minneapolis, MN

$1,380

Difference

$779

less

🛒Groceries

↓ 11.2%

San Francisco, CA

$1,159

Minneapolis, MN

$1,029

Difference

$130

less

📦Other

↓ 5.4%

San Francisco, CA

$1,875

Minneapolis, MN

$1,774

Difference

$100

less

⚡All Utilities

↑ 13.4%

San Francisco, CA

$448

Minneapolis, MN

$508

Difference

$60.11

🏥Healthcare

↑ 7.0%

San Francisco, CA

$706

Minneapolis, MN

$756

Difference

$49.57

🏠Rent Comparison

Studio

From$2,460

To$1,240

↓ $1,220

1 Bed

From$2,950

To$1,400

↓ $1,550

2 Bed

From$3,570

To$1,700

↓ $1,870

3 Bed

From$4,560

To$2,250

↓ $2,310

San Francisco, CAZIP-level data

1BR range: $2,510–$3,910/mo

Minneapolis, MNZIP-level data

1BR range: $1,250–$2,100/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

$8,254

Monthly in Minneapolis, MN

$7,864

Difference

Home Values

San Francisco

Minneapolis

$1.25M

Median Value

$308K

↑ +3.7%

YoY Change

↑ +1%

↓ -7.5%

5-Year Change

↑ +8.2%

$693K - $2.12M

Price Range

$152K - $469K

Homes in Minneapolis are 75% less expensive than San Francisco

Calculate payment - San Francisco Calculate payment - Minneapolis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $195

Per year

Monthly Difference

$16.22

More take-home

Effective Rate Diff

0.1%

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

Minneapolis, MN

Federal Income Tax

Effective: 18.9%

$25.5K

Minnesota State Tax

Effective: 7.0%

$10.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.6%

$47.4K

Take-Home Pay

$8,546/month

$102.6K

Additional Tax Information

San Francisco, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

Minneapolis, MN Tax Rates

Sales Tax:8.0%

Property Tax:1.1%

💡 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.