San Francisco, CA vs Miami, FL: cost of living compared
Price levels from BEA (2024); rent and home values from Zillow (September 2026).
The short answer
- Overall, Miami, FL is 1.3% less expensive than San Francisco, CA (BEA, 2024).
- To keep the same standard of living, $75,000 in San Francisco works out to about $74,100 in Miami, before taxes.
- Most of the difference is housing, which costs 20.1% less in Miami. Goods are 4.5% lower and other services 2.7% higher.
- Utility prices (electricity, gas, water) are 43.7% lower in Miami.
- Typical asking rent is $2,654 a month in Miami and $3,445 in San Francisco, $9,492 a year less in Miami (Zillow, September 2026).
- A typical home is valued at about $477,000 in Miami and $1,120,000 in San Francisco.
- The gap has narrowed since 2019, when Miami was 9.3% less expensive than San Francisco.
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: 20.1% lower in Miami than in San Francisco
Price level by category, 2024. US average = 100.
- San Francisco, CA
- Miami, FL
All items San Francisco, CA: 115.6 Miami, FL: 114.2
Goods San Francisco, CA: 108.5 Miami, FL: 103.6
Housing (rents) San Francisco, CA: 194.7 Miami, FL: 155.6
Utilities San Francisco, CA: 172.6 Miami, FL: 97.2
Other services San Francisco, CA: 106.2 Miami, FL: 109.1
Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).
Show the numbers
| San Francisco, CA | Miami, FL | |
|---|---|---|
| All items | 115.6 | 114.2 |
| Goods | 108.5 | 103.6 |
| Housing (rents) | 194.7 | 155.6 |
| Utilities | 172.6 | 97.2 |
| Other services | 106.2 | 109.1 |
| Category | San Francisco | Miami | Miami vs San Francisco |
|---|---|---|---|
| All items | 115.6 | 114.2 | −1.3% |
| Goods | 108.5 | 103.6 | −4.5% |
| Housing (rents) | 194.7 | 155.6 | −20.1% |
| Utilities | 172.6 | 97.2 | −43.7% |
| Other services | 106.2 | 109.1 | +2.7% |
| Typical asking rent | $3,445 | $2,654 | −23.0% |
| Typical home value | $1,120,000 | $477,000 | −57.4% |
| Salary to match $75,000 in San Francisco | $75,000 | $74,100 | −1.3% |
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 Miami has narrowed since 2008: 12.6 points then, 1.5 now
Overall price level each year, 2008–2024. US average = 100.
- San Francisco, CA
- Miami, FL
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 | Miami, FL | |
|---|---|---|
| 2008 | 119.1 | 106.5 |
| 2009 | 115.2 | 106.0 |
| 2010 | 113.9 | 105.3 |
| 2011 | 112.4 | 106.7 |
| 2012 | 112.5 | 107.5 |
| 2013 | 112.9 | 106.7 |
| 2014 | 114.0 | 105.9 |
| 2015 | 115.8 | 107.3 |
| 2016 | 116.4 | 107.9 |
| 2017 | 121.6 | 108.3 |
| 2018 | 122.3 | 109.5 |
| 2019 | 119.7 | 108.6 |
| 2020 | 119.6 | 109.5 |
| 2021 | 120.0 | 110.0 |
| 2022 | 118.0 | 111.9 |
| 2023 | 117.6 | 112.1 |
| 2024 | 115.6 | 114.2 |
Goods
- San Francisco, CA
- Miami, FL
US = 100
Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).
Show the numbers
| San Francisco, CA | Miami, FL | |
|---|---|---|
| 2008 | 117.8 | 100.1 |
| 2009 | 110.0 | 97.9 |
| 2010 | 107.0 | 96.8 |
| 2011 | 105.5 | 97.9 |
| 2012 | 108.0 | 99.6 |
| 2013 | 109.9 | 101.5 |
| 2014 | 108.8 | 100.3 |
| 2015 | 111.4 | 99.6 |
| 2016 | 111.2 | 100.5 |
| 2017 | 114.0 | 103.2 |
| 2018 | 116.2 | 104.4 |
| 2019 | 113.8 | 99.8 |
| 2020 | 113.0 | 100.3 |
| 2021 | 113.8 | 105.3 |
| 2022 | 114.4 | 104.8 |
| 2023 | 115.2 | 101.8 |
| 2024 | 108.5 | 103.6 |
Housing (rents)
- San Francisco, CA
- Miami, FL
US = 100
Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).
Show the numbers
| San Francisco, CA | Miami, FL | |
|---|---|---|
| 2008 | 191.0 | 147.0 |
| 2009 | 192.1 | 138.6 |
| 2010 | 189.2 | 138.1 |
| 2011 | 191.9 | 138.5 |
| 2012 | 189.0 | 140.7 |
| 2013 | 190.7 | 137.7 |
| 2014 | 198.1 | 138.9 |
| 2015 | 204.5 | 143.6 |
| 2016 | 210.4 | 141.3 |
| 2017 | 215.2 | 142.1 |
| 2018 | 219.7 | 142.2 |
| 2019 | 213.0 | 143.8 |
| 2020 | 227.1 | 144.0 |
| 2021 | 213.5 | 143.7 |
| 2022 | 206.3 | 147.2 |
| 2023 | 200.1 | 156.6 |
| 2024 | 194.7 | 155.6 |
Utilities
- San Francisco, CA
- Miami, FL
US = 100
Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).
Show the numbers
| San Francisco, CA | Miami, FL | |
|---|---|---|
| 2008 | 115.6 | 104.6 |
| 2009 | 115.7 | 109.0 |
| 2010 | 118.5 | 98.8 |
| 2011 | 113.2 | 100.6 |
| 2012 | 110.3 | 98.3 |
| 2013 | 130.1 | 97.7 |
| 2014 | 135.1 | 96.9 |
| 2015 | 142.5 | 94.0 |
| 2016 | 145.5 | 93.5 |
| 2017 | 152.4 | 86.3 |
| 2018 | 158.4 | 95.3 |
| 2019 | 162.8 | 103.1 |
| 2020 | 161.3 | 96.2 |
| 2021 | 167.0 | 97.0 |
| 2022 | 170.4 | 106.4 |
| 2023 | 162.2 | 98.0 |
| 2024 | 172.6 | 97.2 |
Other services
- San Francisco, CA
- Miami, FL
US = 100
Source: U.S. Bureau of Economic Analysis, Regional Price Parities by metropolitan area, 2024 (US = 100).
Show the numbers
| San Francisco, CA | Miami, FL | |
|---|---|---|
| 2008 | 107.0 | 98.6 |
| 2009 | 104.0 | 100.7 |
| 2010 | 104.1 | 101.0 |
| 2011 | 102.7 | 102.9 |
| 2012 | 102.2 | 103.1 |
| 2013 | 101.6 | 101.1 |
| 2014 | 103.2 | 100.3 |
| 2015 | 104.3 | 102.7 |
| 2016 | 104.9 | 103.8 |
| 2017 | 111.0 | 103.0 |
| 2018 | 110.8 | 104.0 |
| 2019 | 108.6 | 104.6 |
| 2020 | 105.2 | 105.6 |
| 2021 | 108.2 | 103.9 |
| 2022 | 105.9 | 106.7 |
| 2023 | 105.4 | 106.7 |
| 2024 | 106.2 | 109.1 |
Rent and home values
Typical asking rent: $2,654 in Miami vs $3,445 in San Francisco
Typical asking rent for a new lease, dollars per month. Quarterly.
- San Francisco, CA
- Miami, FL
- 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 | Miami, FL | United States | |
|---|---|---|---|
| Mar 2015 | $2,247 | $1,463 | $1,145 |
| Jun 2015 | $2,348 | $1,486 | $1,170 |
| Sep 2015 | $2,413 | $1,513 | $1,181 |
| Dec 2015 | $2,413 | $1,532 | $1,182 |
| Mar 2016 | $2,448 | $1,539 | $1,195 |
| Jun 2016 | $2,505 | $1,542 | $1,219 |
| Sep 2016 | $2,507 | $1,551 | $1,225 |
| Dec 2016 | $2,467 | $1,555 | $1,222 |
| Mar 2017 | $2,518 | $1,572 | $1,245 |
| Jun 2017 | $2,570 | $1,579 | $1,270 |
| Sep 2017 | $2,597 | $1,598 | $1,276 |
| Dec 2017 | $2,583 | $1,605 | $1,275 |
| Mar 2018 | $2,614 | $1,613 | $1,296 |
| Jun 2018 | $2,663 | $1,626 | $1,320 |
| Sep 2018 | $2,687 | $1,643 | $1,327 |
| Dec 2018 | $2,675 | $1,661 | $1,329 |
| Mar 2019 | $2,703 | $1,659 | $1,349 |
| Jun 2019 | $2,742 | $1,671 | $1,376 |
| Sep 2019 | $2,761 | $1,686 | $1,383 |
| Dec 2019 | $2,744 | $1,712 | $1,381 |
| Mar 2020 | $2,768 | $1,717 | $1,402 |
| Jun 2020 | $2,732 | $1,702 | $1,406 |
| Sep 2020 | $2,618 | $1,717 | $1,410 |
| Dec 2020 | $2,520 | $1,763 | $1,407 |
| Mar 2021 | $2,549 | $1,829 | $1,443 |
| Jun 2021 | $2,647 | $1,948 | $1,512 |
| Sep 2021 | $2,739 | $2,130 | $1,590 |
| Dec 2021 | $2,732 | $2,258 | $1,622 |
| Mar 2022 | $2,797 | $2,366 | $1,661 |
| Jun 2022 | $2,863 | $2,473 | $1,721 |
| Sep 2022 | $2,887 | $2,507 | $1,748 |
| Dec 2022 | $2,830 | $2,519 | $1,735 |
| Mar 2023 | $2,859 | $2,526 | $1,757 |
| Jun 2023 | $2,874 | $2,540 | $1,785 |
| Sep 2023 | $2,878 | $2,551 | $1,797 |
| Dec 2023 | $2,831 | $2,555 | $1,786 |
| Mar 2024 | $2,869 | $2,569 | $1,807 |
| Jun 2024 | $2,913 | $2,581 | $1,837 |
| Sep 2024 | $2,926 | $2,594 | $1,845 |
| Dec 2024 | $2,915 | $2,595 | $1,836 |
| Mar 2025 | $2,975 | $2,606 | $1,860 |
| Jun 2025 | $3,041 | $2,608 | $1,880 |
| Sep 2025 | $3,082 | $2,606 | $1,881 |
| Dec 2025 | $3,084 | $2,608 | $1,873 |
| Mar 2026 | $3,161 | $2,622 | $1,894 |
| Jun 2026 | $3,291 | $2,637 | $1,921 |
| Sep 2026 | $3,445 | $2,654 | $1,932 |
Typical home value: $477,000 in Miami vs $1,120,000 in San Francisco
Typical home value, dollars. Quarterly.
- San Francisco, CA
- Miami, FL
- 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 | Miami, FL | United States | |
|---|---|---|---|
| Mar 2015 | $669K | $219K | $189K |
| Jun 2015 | $693K | $224K | $192K |
| Sep 2015 | $715K | $230K | $195K |
| Dec 2015 | $739K | $236K | $199K |
| Mar 2016 | $765K | $241K | $202K |
| Jun 2016 | $770K | $246K | $204K |
| Sep 2016 | $765K | $251K | $206K |
| Dec 2016 | $774K | $256K | $209K |
| Mar 2017 | $794K | $261K | $213K |
| Jun 2017 | $809K | $266K | $216K |
| Sep 2017 | $821K | $271K | $219K |
| Dec 2017 | $848K | $276K | $223K |
| Mar 2018 | $881K | $281K | $227K |
| Jun 2018 | $905K | $284K | $230K |
| Sep 2018 | $912K | $289K | $234K |
| Dec 2018 | $914K | $294K | $236K |
| Mar 2019 | $905K | $297K | $239K |
| Jun 2019 | $901K | $297K | $242K |
| Sep 2019 | $906K | $298K | $244K |
| Dec 2019 | $912K | $303K | $247K |
| Mar 2020 | $926K | $310K | $252K |
| Jun 2020 | $926K | $310K | $255K |
| Sep 2020 | $934K | $314K | $260K |
| Dec 2020 | $972K | $326K | $271K |
| Mar 2021 | $1.01M | $338K | $282K |
| Jun 2021 | $1.06M | $353K | $296K |
| Sep 2021 | $1.09M | $370K | $306K |
| Dec 2021 | $1.11M | $385K | $314K |
| Mar 2022 | $1.18M | $412K | $330K |
| Jun 2022 | $1.22M | $443K | $346K |
| Sep 2022 | $1.16M | $456K | $348K |
| Dec 2022 | $1.11M | $459K | $345K |
| Mar 2023 | $1.07M | $461K | $343K |
| Jun 2023 | $1.08M | $469K | $347K |
| Sep 2023 | $1.1M | $479K | $352K |
| Dec 2023 | $1.1M | $488K | $354K |
| Mar 2024 | $1.1M | $494K | $357K |
| Jun 2024 | $1.13M | $499K | $361K |
| Sep 2024 | $1.13M | $499K | $361K |
| Dec 2024 | $1.13M | $497K | $363K |
| Mar 2025 | $1.12M | $493K | $364K |
| Jun 2025 | $1.1M | $484K | $362K |
| Sep 2025 | $1.09M | $476K | $362K |
| Dec 2025 | $1.1M | $473K | $364K |
| Mar 2026 | $1.1M | $474K | $366K |
| Jun 2026 | $1.11M | $473K | $365K |
| Sep 2026 | $1.12M | $477K | $366K |
More about each city
- Cost of living in San Francisco, CA
- Cost of living in Miami, FL
- Reverse: moving from Miami 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.