San Francisco, CA vs Houston, TX: cost of living compared
Price levels from BEA (2024); rent and home values from Zillow (September 2026).
The short answer
- Overall, Houston, TX is 14.7% less expensive than San Francisco, CA (BEA, 2024).
- To keep the same standard of living, $75,000 in San Francisco works out to about $64,000 in Houston, before taxes.
- Most of the difference is housing, which costs 46.3% less in Houston. Goods are 7.2% lower and other services 10.0% lower.
- Utility prices (electricity, gas, water) are 44.8% lower in Houston.
- Typical asking rent is $1,638 a month in Houston and $3,445 in San Francisco, $21,684 a year less in Houston (Zillow, September 2026).
- A typical home is valued at about $303,000 in Houston and $1,120,000 in San Francisco.
- The gap is about where it was in 2019 (15.3%).
derived Calculated from BEA Regional Price Parities (2024) and Zillow data. Based on an average household's spending; taxes not included. How we calculate.
Category by category
Both cities against the US average (100). The gap in each row is what matters for a move.
Housing drives the gap: 46.3% lower in Houston than in San Francisco
Price level by category, 2024. US average = 100.
- San Francisco, CA
- Houston, TX
All items San Francisco, CA: 115.6 Houston, TX: 98.6
Goods San Francisco, CA: 108.5 Houston, TX: 100.6
Housing (rents) San Francisco, CA: 194.7 Houston, TX: 104.5
Utilities San Francisco, CA: 172.6 Houston, TX: 95.3
Other services San Francisco, CA: 106.2 Houston, TX: 95.6
Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).
Show the numbers
| San Francisco, CA | Houston, TX | |
|---|---|---|
| All items | 115.6 | 98.6 |
| Goods | 108.5 | 100.6 |
| Housing (rents) | 194.7 | 104.5 |
| Utilities | 172.6 | 95.3 |
| Other services | 106.2 | 95.6 |
| Category | San Francisco | Houston | Houston vs San Francisco |
|---|---|---|---|
| All items | 115.6 | 98.6 | −14.7% |
| Goods | 108.5 | 100.6 | −7.2% |
| Housing (rents) | 194.7 | 104.5 | −46.3% |
| Utilities | 172.6 | 95.3 | −44.8% |
| Other services | 106.2 | 95.6 | −10.0% |
| Typical asking rent | $3,445 | $1,638 | −52.5% |
| Typical home value | $1,120,000 | $303,000 | −73.0% |
| Salary to match $75,000 in San Francisco | $75,000 | $64,000 | −14.7% |
Index values: BEA, 2024, US = 100. Rent and home values: Data Provided by Zillow Group, September 2026.
How the gap has changed since 2008
The price gap between San Francisco and Houston has narrowed since 2008: 19.6 points then, 17.0 now
Overall price level each year, 2008–2024. US average = 100.
- San Francisco, CA
- Houston, TX
US average = 100
Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).
Show the numbers
| San Francisco, CA | Houston, TX | |
|---|---|---|
| 2008 | 119.1 | 99.4 |
| 2009 | 115.2 | 100.6 |
| 2010 | 113.9 | 101.0 |
| 2011 | 112.4 | 98.7 |
| 2012 | 112.5 | 100.1 |
| 2013 | 112.9 | 101.1 |
| 2014 | 114.0 | 102.2 |
| 2015 | 115.8 | 103.1 |
| 2016 | 116.4 | 102.4 |
| 2017 | 121.6 | 100.0 |
| 2018 | 122.3 | 101.9 |
| 2019 | 119.7 | 101.4 |
| 2020 | 119.6 | 100.0 |
| 2021 | 120.0 | 99.7 |
| 2022 | 118.0 | 98.8 |
| 2023 | 117.6 | 99.7 |
| 2024 | 115.6 | 98.6 |
Goods
- San Francisco, CA
- Houston, TX
US = 100
Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).
Show the numbers
| San Francisco, CA | Houston, TX | |
|---|---|---|
| 2008 | 117.8 | 95.9 |
| 2009 | 110.0 | 98.0 |
| 2010 | 107.0 | 99.6 |
| 2011 | 105.5 | 97.6 |
| 2012 | 108.0 | 99.0 |
| 2013 | 109.9 | 97.7 |
| 2014 | 108.8 | 98.9 |
| 2015 | 111.4 | 98.9 |
| 2016 | 111.2 | 97.7 |
| 2017 | 114.0 | 96.3 |
| 2018 | 116.2 | 99.0 |
| 2019 | 113.8 | 98.3 |
| 2020 | 113.0 | 96.7 |
| 2021 | 113.8 | 97.7 |
| 2022 | 114.4 | 98.1 |
| 2023 | 115.2 | 101.7 |
| 2024 | 108.5 | 100.6 |
Housing (rents)
- San Francisco, CA
- Houston, TX
US = 100
Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).
Show the numbers
| San Francisco, CA | Houston, TX | |
|---|---|---|
| 2008 | 191.0 | 99.9 |
| 2009 | 192.1 | 101.9 |
| 2010 | 189.2 | 103.5 |
| 2011 | 191.9 | 99.4 |
| 2012 | 189.0 | 103.4 |
| 2013 | 190.7 | 104.1 |
| 2014 | 198.1 | 107.6 |
| 2015 | 204.5 | 108.6 |
| 2016 | 210.4 | 110.0 |
| 2017 | 215.2 | 108.5 |
| 2018 | 219.7 | 108.0 |
| 2019 | 213.0 | 107.4 |
| 2020 | 227.1 | 107.5 |
| 2021 | 213.5 | 105.6 |
| 2022 | 206.3 | 107.8 |
| 2023 | 200.1 | 106.3 |
| 2024 | 194.7 | 104.5 |
Utilities
- San Francisco, CA
- Houston, TX
US = 100
Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).
Show the numbers
| San Francisco, CA | Houston, TX | |
|---|---|---|
| 2008 | 115.6 | 101.4 |
| 2009 | 115.7 | 95.3 |
| 2010 | 118.5 | 97.6 |
| 2011 | 113.2 | 97.4 |
| 2012 | 110.3 | 95.1 |
| 2013 | 130.1 | 95.8 |
| 2014 | 135.1 | 94.5 |
| 2015 | 142.5 | 83.8 |
| 2016 | 145.5 | 92.5 |
| 2017 | 152.4 | 85.7 |
| 2018 | 158.4 | 83.1 |
| 2019 | 162.8 | 91.2 |
| 2020 | 161.3 | 86.4 |
| 2021 | 167.0 | 89.1 |
| 2022 | 170.4 | 92.3 |
| 2023 | 162.2 | 94.9 |
| 2024 | 172.6 | 95.3 |
Other services
- San Francisco, CA
- Houston, TX
US = 100
Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).
Show the numbers
| San Francisco, CA | Houston, TX | |
|---|---|---|
| 2008 | 107.0 | 102.1 |
| 2009 | 104.0 | 102.4 |
| 2010 | 104.1 | 101.4 |
| 2011 | 102.7 | 99.3 |
| 2012 | 102.2 | 100.2 |
| 2013 | 101.6 | 103.3 |
| 2014 | 103.2 | 103.7 |
| 2015 | 104.3 | 106.0 |
| 2016 | 104.9 | 104.3 |
| 2017 | 111.0 | 101.2 |
| 2018 | 110.8 | 103.4 |
| 2019 | 108.6 | 102.5 |
| 2020 | 105.2 | 100.9 |
| 2021 | 108.2 | 100.2 |
| 2022 | 105.9 | 97.0 |
| 2023 | 105.4 | 96.6 |
| 2024 | 106.2 | 95.6 |
Rent and home values
Typical asking rent: $1,638 in Houston vs $3,445 in San Francisco
Typical asking rent for a new lease, dollars per month. Quarterly.
- San Francisco, CA
- Houston, TX
- United States
Source: Zillow Observed Rent Index (typical asking rent, all homes, smoothed), through September 2026. Data Provided by Zillow Group.
Show the numbers
| San Francisco, CA | Houston, TX | United States | |
|---|---|---|---|
| Mar 2015 | $2,247 | $1,210 | $1,145 |
| Jun 2015 | $2,348 | $1,239 | $1,170 |
| Sep 2015 | $2,413 | $1,239 | $1,181 |
| Dec 2015 | $2,413 | $1,229 | $1,182 |
| Mar 2016 | $2,448 | $1,237 | $1,195 |
| Jun 2016 | $2,505 | $1,247 | $1,219 |
| Sep 2016 | $2,507 | $1,237 | $1,225 |
| Dec 2016 | $2,467 | $1,226 | $1,222 |
| Mar 2017 | $2,518 | $1,242 | $1,245 |
| Jun 2017 | $2,570 | $1,257 | $1,270 |
| Sep 2017 | $2,597 | $1,259 | $1,276 |
| Dec 2017 | $2,583 | $1,282 | $1,275 |
| Mar 2018 | $2,614 | $1,294 | $1,296 |
| Jun 2018 | $2,663 | $1,308 | $1,320 |
| Sep 2018 | $2,687 | $1,303 | $1,327 |
| Dec 2018 | $2,675 | $1,305 | $1,329 |
| Mar 2019 | $2,703 | $1,311 | $1,349 |
| Jun 2019 | $2,742 | $1,330 | $1,376 |
| Sep 2019 | $2,761 | $1,330 | $1,383 |
| Dec 2019 | $2,744 | $1,331 | $1,381 |
| Mar 2020 | $2,768 | $1,345 | $1,402 |
| Jun 2020 | $2,732 | $1,334 | $1,406 |
| Sep 2020 | $2,618 | $1,343 | $1,410 |
| Dec 2020 | $2,520 | $1,346 | $1,407 |
| Mar 2021 | $2,549 | $1,365 | $1,443 |
| Jun 2021 | $2,647 | $1,424 | $1,512 |
| Sep 2021 | $2,739 | $1,483 | $1,590 |
| Dec 2021 | $2,732 | $1,497 | $1,622 |
| Mar 2022 | $2,797 | $1,523 | $1,661 |
| Jun 2022 | $2,863 | $1,564 | $1,721 |
| Sep 2022 | $2,887 | $1,577 | $1,748 |
| Dec 2022 | $2,830 | $1,561 | $1,735 |
| Mar 2023 | $2,859 | $1,583 | $1,757 |
| Jun 2023 | $2,874 | $1,605 | $1,785 |
| Sep 2023 | $2,878 | $1,608 | $1,797 |
| Dec 2023 | $2,831 | $1,594 | $1,786 |
| Mar 2024 | $2,869 | $1,604 | $1,807 |
| Jun 2024 | $2,913 | $1,627 | $1,837 |
| Sep 2024 | $2,926 | $1,635 | $1,845 |
| Dec 2024 | $2,915 | $1,623 | $1,836 |
| Mar 2025 | $2,975 | $1,635 | $1,860 |
| Jun 2025 | $3,041 | $1,639 | $1,880 |
| Sep 2025 | $3,082 | $1,636 | $1,881 |
| Dec 2025 | $3,084 | $1,623 | $1,873 |
| Mar 2026 | $3,161 | $1,620 | $1,894 |
| Jun 2026 | $3,291 | $1,636 | $1,921 |
| Sep 2026 | $3,445 | $1,638 | $1,932 |
Typical home value: $303,000 in Houston vs $1,120,000 in San Francisco
Typical home value, dollars. Quarterly.
- San Francisco, CA
- Houston, TX
- United States
Source: Zillow Home Value Index (typical home value, middle tier, smoothed, seasonally adjusted), through September 2026. Data Provided by Zillow Group.
Show the numbers
| San Francisco, CA | Houston, TX | United States | |
|---|---|---|---|
| Mar 2015 | $669K | $184K | $189K |
| Jun 2015 | $693K | $188K | $192K |
| Sep 2015 | $715K | $192K | $195K |
| Dec 2015 | $739K | $195K | $199K |
| Mar 2016 | $765K | $198K | $202K |
| Jun 2016 | $770K | $200K | $204K |
| Sep 2016 | $765K | $201K | $206K |
| Dec 2016 | $774K | $204K | $209K |
| Mar 2017 | $794K | $205K | $213K |
| Jun 2017 | $809K | $207K | $216K |
| Sep 2017 | $821K | $209K | $219K |
| Dec 2017 | $848K | $211K | $223K |
| Mar 2018 | $881K | $213K | $227K |
| Jun 2018 | $905K | $215K | $230K |
| Sep 2018 | $912K | $218K | $234K |
| Dec 2018 | $914K | $220K | $236K |
| Mar 2019 | $905K | $223K | $239K |
| Jun 2019 | $901K | $224K | $242K |
| Sep 2019 | $906K | $225K | $244K |
| Dec 2019 | $912K | $228K | $247K |
| Mar 2020 | $926K | $230K | $252K |
| Jun 2020 | $926K | $231K | $255K |
| Sep 2020 | $934K | $234K | $260K |
| Dec 2020 | $972K | $242K | $271K |
| Mar 2021 | $1.01M | $251K | $282K |
| Jun 2021 | $1.06M | $262K | $296K |
| Sep 2021 | $1.09M | $272K | $306K |
| Dec 2021 | $1.11M | $281K | $314K |
| Mar 2022 | $1.18M | $297K | $330K |
| Jun 2022 | $1.22M | $313K | $346K |
| Sep 2022 | $1.16M | $318K | $348K |
| Dec 2022 | $1.11M | $315K | $345K |
| Mar 2023 | $1.07M | $311K | $343K |
| Jun 2023 | $1.08M | $311K | $347K |
| Sep 2023 | $1.1M | $313K | $352K |
| Dec 2023 | $1.1M | $313K | $354K |
| Mar 2024 | $1.1M | $314K | $357K |
| Jun 2024 | $1.13M | $316K | $361K |
| Sep 2024 | $1.13M | $315K | $361K |
| Dec 2024 | $1.13M | $314K | $363K |
| Mar 2025 | $1.12M | $313K | $364K |
| Jun 2025 | $1.1M | $310K | $362K |
| Sep 2025 | $1.09M | $308K | $362K |
| Dec 2025 | $1.1M | $308K | $364K |
| Mar 2026 | $1.1M | $307K | $366K |
| Jun 2026 | $1.11M | $304K | $365K |
| Sep 2026 | $1.12M | $303K | $366K |
More about each city
- Cost of living in San Francisco, CA
- Cost of living in Houston, TX
- Reverse: moving from Houston to San Francisco
Related comparisons
What this comparison leaves out
- Taxes. State and local income, sales and property taxes can change the result a lot, especially between states.
- Neighborhoods. These are metro-wide averages; a city center and its outer suburbs can differ by more than two metros do.
- Your own spending mix. The default uses an average household. Use the housing slider above if rent is a bigger share of your budget.
- Timing. BEA price levels are for 2024; Zillow figures are monthly and newer.