New York NY vs San Francisco CA — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
New York, NY
New York · Population: 8,516,202
- Median HH Income$79,713
- Median Home Price$816,078
- Unemployment7.7%
- Bachelor's+41.0%
San Francisco, CA
California · Population: 836,321
- Median HH Income$141,446
- Median Home Price$1,369,171
- Unemployment5.6%
- Bachelor's+60.1%
Detailed Comparison
Demographics
Population
New York
8,516,202
New York +
San Francisco
836,321
Pop. Density / sq mi
Lower = more space
New York
N/A
San Francisco
N/A
Median Age
New York
38.0
New York +
San Francisco
39.7
Foreign Born
New York
36.5%
New York +
San Francisco
34.2%
White
New York
35.9%
San Francisco
40.5%
San Francisco +
Black
New York
22.7%
New York +
San Francisco
5.1%
Asian
New York
14.6%
San Francisco
35.0%
San Francisco +
Hispanic
New York
28.4%
New York +
San Francisco
15.9%
Spanish at Home
New York
N/A
San Francisco
N/A
| Metric | New York, NY | San Francisco, CA | Better |
|---|---|---|---|
| Population | 8,516,202 | 836,321 | New York + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 38.0 | 39.7 | New York + |
| Foreign Born | 36.5% | 34.2% | New York + |
| White | 35.9% | 40.5% | San Francisco + |
| Black | 22.7% | 5.1% | New York + |
| Asian | 14.6% | 35.0% | San Francisco + |
| Hispanic | 28.4% | 15.9% | New York + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
New York
$79,713
San Francisco
$141,446
San Francisco +
Per Capita Income
New York
$50,776
San Francisco
$90,285
San Francisco +
Per Capita Personal Income (MSA)
BEA MSA-level
New York
$77,425
New York +
San Francisco
$77,230
Unemployment Rate
New York
7.7%
San Francisco
5.6%
San Francisco +
Poverty Rate
New York
17.4%
San Francisco
10.6%
San Francisco +
Bachelor's Degree+
New York
41.0%
San Francisco
60.1%
San Francisco +
| Metric | New York, NY | San Francisco, CA | Better |
|---|---|---|---|
| Median HH Income | $79,713 | $141,446 | San Francisco + |
| Per Capita Income | $50,776 | $90,285 | San Francisco + |
| Per Capita Personal Income (MSA)BEA MSA-level | $77,425 | $77,230 | New York + |
| Unemployment Rate | 7.7% | 5.6% | San Francisco + |
| Poverty Rate | 17.4% | 10.6% | San Francisco + |
| Bachelor's Degree+ | 41.0% | 60.1% | San Francisco + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
New York
$816,078
New York +
San Francisco
$1,369,171
Homeownership Rate
New York
32.8%
San Francisco
38.5%
San Francisco +
| Metric | New York, NY | San Francisco, CA | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $816,078 | $1,369,171 | New York + |
| Homeownership Rate | 32.8% | 38.5% | San Francisco + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
New York
434
New York +
San Francisco
503
Property Crime / 100K
FBI CDE (state-level est.)
New York
1736
New York +
San Francisco
2388
| Metric | New York, NY | San Francisco, CA | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 434 | 503 | New York + |
| Property Crime / 100KFBI CDE (state-level est.) | 1736 | 2388 | New York + |
Health
Obesity Rate
CDC PLACES
New York
25.1%
San Francisco
17.5%
San Francisco +
Diabetes Rate
CDC PLACES
New York
11.9%
San Francisco
9.7%
San Francisco +
Poor Mental Health
CDC PLACES — 14+ days/month
New York
15.4%
San Francisco
14.5%
San Francisco +
No Health Insurance
CDC PLACES
New York
10.6%
San Francisco
6.6%
San Francisco +
Binge Drinking
CDC PLACES
New York
16.9%
New York +
San Francisco
19.6%
Current Smokers
CDC PLACES
New York
11.4%
San Francisco
9.1%
San Francisco +
| Metric | New York, NY | San Francisco, CA | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 25.1% | 17.5% | San Francisco + |
| Diabetes RateCDC PLACES | 11.9% | 9.7% | San Francisco + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 15.4% | 14.5% | San Francisco + |
| No Health InsuranceCDC PLACES | 10.6% | 6.6% | San Francisco + |
| Binge DrinkingCDC PLACES | 16.9% | 19.6% | New York + |
| Current SmokersCDC PLACES | 11.4% | 9.1% | San Francisco + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
New York
55.4°F
San Francisco
55.3°F
San Francisco +
Annual Precipitation
NOAA 1991–2020 normal
New York
46.6 in
San Francisco
20.7 in
San Francisco +
| Metric | New York, NY | San Francisco, CA | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 55.4°F | 55.3°F | San Francisco + |
| Annual PrecipitationNOAA 1991–2020 normal | 46.6 in | 20.7 in | San Francisco + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
New York
8.1 µg/m³
San Francisco
7.9 µg/m³
San Francisco +
Good Air Days
AQI ≤ 50
New York
75.0%
San Francisco
75.0%
Tie
| Metric | New York, NY | San Francisco, CA | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 8.1 µg/m³ | 7.9 µg/m³ | San Francisco + |
| Good Air DaysAQI ≤ 50 | 75.0% | 75.0% | Tie |
Commute
Mean Commute Time
Census ACS
New York
44.2 min
San Francisco
33.9 min
San Francisco +
| Metric | New York, NY | San Francisco, CA | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 44.2 min | 33.9 min | San Francisco + |
Which City is Right for You?
San Francisco leads in median household income at $141,446, while new York offers more affordable housing with a median home price of $816,078. On public safety, New York is safer with a violent crime rate of 434 per 100,000 residents, compared to 503 in San Francisco. San Francisco has a lower unemployment rate at 5.6%, and San Francisco has cleaner air (PM2.5 avg 7.9 µg/m³). For overall health outcomes, San Francisco scores better with a lower obesity rate of 17.5%.
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