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Philadelphia vs San Francisco: Cost of Living Compared

A side-by-side comparison of rent, daily expenses, and quality-of-life factors in Philadelphia (U.S.A.) and San Francisco (U.S.A.). Data sourced from official government statistics, updated 2026.

CategoryPhiladelphiaSan Francisco
CountryU.S.A.U.S.A.
CurrencyUSD ($)USD ($)
1BR Rent Range$1,700 - $2,400Cheaper$2,400 - $4,600
2BR Rent Range$2,100 - $2,900Cheaper$3,100 - $5,900
Groceries / mo$470Cheaper$675
Transport Pass / mo$99$98Cheaper
Dining Out / mo$290Cheaper$405
English Level5/5 (Excellent)5/5 (Excellent)
Neighborhoods Tracked69
Healthcare SystemPrivate (employer-based)Private (employer-based)

Verdict

Overall, Philadelphia tends to be more affordable when comparing rent, groceries, transport, and dining costs. However, the two cities use the same currency, so exchange rates and local salary levels also play a significant role. Use our calculator to see what your specific salary means in each city.

Explore Philadelphia

6 neighborhoods, rent data, and full cost breakdown in U.S.A.

View Philadelphia details

Explore San Francisco

9 neighborhoods, rent data, and full cost breakdown in U.S.A.

View San Francisco details

Calculate your salary in both cities

Enter your gross salary to see net pay, rent affordability, and savings potential in Philadelphia and San Francisco.

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Frequently Asked Questions

Is Philadelphia or San Francisco cheaper to live in?

Based on our data, Philadelphia is generally cheaper to live in when comparing rent, groceries, transport, and dining costs. However, costs vary significantly by neighborhood and lifestyle.

What is rent like in Philadelphia vs San Francisco?

In Philadelphia, 1-bedroom rents range from $1,700 to $2,400 per month across 6 neighborhoods. In San Francisco, 1-bedroom rents range from $2,400 to $4,600 per month across 9 neighborhoods.

How do transport costs compare in Philadelphia vs San Francisco?

A monthly public transport pass costs $99 in Philadelphia and $98 in San Francisco. Both cities have well-developed public transit systems.

Which city is better for expats, Philadelphia or San Francisco?

Philadelphia has an English proficiency rating of 5/5 (Excellent) and San Francisco rates 5/5 (Excellent). Philadelphia uses Private (employer-based) healthcare, while San Francisco uses Private (employer-based). Both factors are important for expats considering a move.

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Updated Mar 2026

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© 2026 AffordWhere. Estimates only, not financial advice.

2026 tax rules • Mar 2026 rent data