City comparison
Eugene, OR vs San Francisco, CA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in San Francisco, CA are 13.8% higher than in Eugene, OR. Someone earning $100,000 in Eugene, OR would need about $113,800 in San Francisco, CA to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $2,977 a month in San Francisco, CA versus $1,286 in Eugene, OR. On $100,000, that's 48% of take-home pay in San Francisco, CA and 22% in Eugene, OR.
- On $100,000, estimated state income tax is about $2,850 a year higher in Eugene, OR than in San Francisco, CA.
- For federal employees, locality pay changes a GS-13 step 1 salary by +25.0% moving from Eugene, OR to San Francisco, CA ($106,437 → $133,060), while prices change by +13.8%. Net effect of the transfer: +9.8% in real buying power.
- Eugene, OR: price level 101.6 (about average)
- San Francisco, CA: price level 115.6 (much pricier)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Eugene, OR | San Francisco, CA | |
|---|---|---|
| Price level (U.S. = 100)2 | 101.6 | 115.6 |
| $100,000 is worth, in the other city2 | $113,828 in San Francisco | $87,852 in Eugene |
| Typical 1-bedroom rent3 | $1,286/mo | $2,977/mo |
| Take-home on $100,00014,15,8 | $71,260 | $74,110 |
| State income tax on $100,000 (estimate)8 | $7,920 (OR) | $5,070 (CA) |
| Rent burden on $100,000 | 22% | 48% |
| Median pay, all jobs4 | $49,680 | $74,260 |
| Federal locality pay area7 | Rest of U.S. | San Jose-San Francisco-Oakland, CA |
Rent areas: Eugene-Springfield, OR MSA and San Francisco, CA HUD Metro FMR Area. Metro areas: Eugene-Springfield, OR and San Francisco-Oakland-Fremont, CA.
What costs more or less
| Price level (U.S. = 100) | Eugene | San Francisco |
|---|---|---|
| Housing (rent) | 98.3 | 194.7 |
| Goods | 105.3 | 108.5 |
| Utilities | 102.5 | 172.6 |
| Other services | 100.3 | 106.2 |
| Overall | 101.6 | 115.6 |
Moving with the same $100,000 salary
Eugene, OR → San Francisco, CA
Same pay buys less
Buying power −12.1%; rent takes 48% of take-home; state tax −$2,850/yr.
3 Weak offer
San Francisco, CA → Eugene, OR
Same pay goes further
Buying power +13.8%; rent takes 22% of take-home; state tax +$2,850/yr.
100 Strong offer
On the GS pay scale?
Eugene, OR is in the Rest of U.S. pay area; San Francisco, CA is in San Jose-San Francisco-Oakland, CA. The last column shows what a transfer from Eugene, OR to San Francisco, CA at the same grade and step does to real buying power.
| Grade5,2 | Eugene, OR | San Francisco, CA | Real change, Eugene → San Francisco |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $77,161 | +9.8% |
| GS-11 step 1 | $74,678 | $93,358 | +9.8% |
| GS-12 step 1 | $89,508 | $111,896 | +9.8% |
| GS-13 step 1 | $106,437 | $133,060 | +9.8% |
| GS-14 step 1 | $125,776 | $157,236 | +9.8% |
Pay for common jobs
| Median annual pay4 | Eugene, OR | San Francisco, CA | San Francisco pay in Eugene dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $64,260 | $101,860 | $89,486 (+39.3%) |
| Software Developers | $121,050 | $186,640 | $163,966 (+35.5%) |
| Accountants and Auditors | $79,930 | $110,730 | $97,278 (+21.7%) |
| Registered Nurses | $113,720 | $186,610 | $163,940 (+44.2%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.