Median rent is 19% lower in Jersey City ($2,007/mo vs $2,476/mo). Buying is cheaper in Jersey City, where the median home runs $566,900 versus $1,394,500. Households earn more in San Francisco ($140,970 vs $97,710 a year). Taken together, Jersey City is the more affordable choice with a cost index of 112.6 against 117.6 — about 4% lower overall prices. After adjusting income for local prices, a typical paycheck stretches further in San Francisco, CA.
Cost of living verdict
Jersey City is 4% cheaper overall
Cost of Living Index: 112.6 in Jersey City vs 117.6 in San Francisco (US national average = 100)
City A
Jersey City, NJ
City B
San Francisco, CA
How much would you need to earn in San Francisco, CA to maintain your standard of living from Jersey City, NJ?
Equivalent salary in San Francisco, CA
$78,266
You'd need $3,266 more (4% higher).
Based on BEA Regional Price Parity (cost index) for each metro area. This estimates overall purchasing power; it does not account for taxes or take-home pay differences.
Metric
Jersey City
New Jersey
San Francisco
California
Population
Median Household Income
Annual
Median Gross Rent
Per month
Median Home Value
Cost of Living Index
US avg = 100
1BR Fair Market Rent
HUD FMR
2BR Fair Market Rent
HUD FMR
3BR Fair Market Rent
HUD FMR
Air Quality Index
Lower = cleaner
Top State Income Tax
Top marginal rate
State Sales Tax
Statewide base rate
Median Age
Years
✓ = better value · Sources: Census ACS, BEA, HUD Fair Market Rents, EPA AirNow, Tax Foundation
Median rent is modestly lower in Jersey City at $2,007/mo compared to $2,476/mo in San Francisco (19% gap). Home buyers face a steeper market in San Francisco: the median home is $1,394,500 versus $566,900 in Jersey City — 59% more expensive.
1BR Fair Market Rent
2BR Fair Market Rent
BLS OEWS 2023 — metro-level data
State tax data is not yet available for these cities.
Jersey City
Income tax: N/A
Sales tax: N/A
San Francisco
Income tax: N/A
Sales tax: N/A
Air quality data is available for Jersey City (avg AQI 46.0) but not yet for San Francisco.
Pick Jersey City if you prioritize lower overall cost of living (index 112.6 vs 117.6).
Pick San Francisco if you prioritize higher median household income ($140,970/yr).
Pick Jersey City if you prioritize cheaper rent ($2,007/mo median).
Is Jersey City cheaper than San Francisco?
Jersey City is cheaper overall, with a cost of living index of 112.6 versus 117.6 (US average = 100). That means prices run about 4% lower in Jersey City.
How much is rent in Jersey City vs San Francisco?
Median rent is $2,007/mo in Jersey City, NJ and $2,476/mo in San Francisco, CA. Jersey City, NJ has the lower rent by about 19%.
Which has higher salaries — Jersey City or San Francisco?
Median household income is $97,710 in Jersey City, NJ and $140,970 in San Francisco, CA. San Francisco, CA has the higher median income. Note that BLS occupational wages in the table above show wages for specific jobs.
Which city has better air quality?
Air quality data is not yet available for one or both cities.
Which has lower taxes — Jersey City or San Francisco?
State tax data is not yet available for one or both cities.
What salary do I need in San Francisco to match my Jersey City income?
To maintain the same purchasing power, a salary of $100,000 in Jersey City, NJ is equivalent to roughly $104,355 in San Francisco, CA (using the BEA Regional Price Parity ratio). Use the salary calculator above for any income amount.
Data last updated: December 1, 2026 · Sources: US Census ACS, BEA RPP, BLS OEWS, HUD FMR, EPA AirNow, Tax Foundation · Methodology
