San Mateo, CA vs San Francisco, CA: Cost of Living
Which city costs less?
San Francisco, CA has a modeled overall cost index 23.3% higher than San Mateo, CA.
- San Mateo, CA · modeled 2BR rent
- $4,480 / 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 ↓Cost of Living Comparison 2026
Compare San Mateo, CA 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
Estimated extra cost: $2,443/month in San Francisco, CA
$150,000 in your current city has a modeled equivalent of $179,311 in San Francisco, CA
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.
San Mateo, CA
San Francisco, CA
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Plan my move with the free checklistSan Mateo, CA
The Golden State
Located in California, this city has a population of 101K residents.
San Francisco, CA
The Golden State
Notable Facts
- •Global technology hub
- •Historic cable cars
- •Major startup ecosystem
Major Industries
Cost Breakdown by Category
Estimated monthly spending: San Mateo, CA 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 | San Mateo, CA | San Francisco, CA | Difference | Change |
|---|---|---|---|---|
Housing | $3,687/mo | $6,028/mo | ↑ $2,340more | 63.5% |
Transportation | $1,289/mo | $1,331/mo | ↑ $42.49more | 3.3% |
Other | $1,120/mo | $1,157/mo | ↑ $36.92more | 3.3% |
Groceries | $704/mo | $715/mo | ↑ $11.50more | 1.6% |
Healthcare | $429/mo | $436/mo | ↑ $7.01more | 1.6% |
All Utilities | $272/mo | $276/mo | ↑ $4.45more | 1.6% |
🏠Rent Comparison
1BR range: $3,670–$3,730/mo
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.
Home Values
Homes in San Francisco are 38% less expensive than San Mateo
Source: Zillow Home Value Index (ZHVI), January 2026
Tax Comparison
Annual tax burden comparison at $150.0K salary
San Mateo, CA
San Francisco, CA
Additional Tax Information
San Mateo, CA Tax Rates
San Francisco, CA Tax Rates
💡 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
Environment
Before moving from San Mateo, CA 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 San Mateo, CA. 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 San Mateo 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: San Mateo, CA vs San Francisco, CA
How do the cost estimates for San Mateo, CA and San Francisco, CA compare?
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What rent estimates are available for San Mateo, CA and San Francisco, CA?
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