Cost of Living: Chicago vs San Francisco (2026)

Chicago vs San Francisco cost of living compared: rent, home prices, and what your salary is really worth. San Francisco is about 12% more expensive than Chicago overall — $100,000 in Chicago is worth about $111,601 in San Francisco.

San Francisco is about 12% more expensive than Chicago overall — $100,000 in Chicago is worth about $111,601 in San Francisco.

Chicago vs San Francisco: the numbers

MetricChicagoSan FranciscoDifference
Cost-of-living index (US=100)104116+12%
Median rent$1,380$2,419+75%
Median home value$315,200$1,380,500+338%
Median household income$75,134$141,446+88%

Cost of living = BEA Regional Price Parities (US average = 100). Rent, home value, and income from the U.S. Census ACS. See our methodology.

What your salary is worth

A $100,000 salary in Chicago has the same buying power as about $111,601 in San Francisco. Going the other way, $100,000 in San Francisco is like $89,605 in Chicago.

Use the calculator below to compare any salary between Chicago and San Francisco.

Compare any salary: Chicago vs San Francisco

What you earn (or want to compare)

Frequently Asked Questions

San Francisco is more expensive. Its cost-of-living index is 116 vs 104 — a 12% difference. Your money goes further in Chicago.

About $111,601 — that's what you'd need in San Francisco to maintain the same purchasing power as $100,000 in Chicago.