Median rent is 31% lower in Virginia Beach ($1,714/mo vs $2,476/mo). Buying is cheaper in Virginia Beach, where the median home runs $382,500 versus $1,394,500. Households earn more in San Francisco ($140,970 vs $92,968 a year). Taken together, Virginia Beach is the more affordable choice with a cost index of 97.7 against 117.6 — about 17% lower overall prices. After adjusting income for local prices, a typical paycheck stretches further in San Francisco, CA.
Cost of living verdict
Virginia Beach is 17% cheaper overall
Cost of Living Index: 97.7 in Virginia Beach vs 117.6 in San Francisco (US national average = 100)
City A
San Francisco, CA
City B
Virginia Beach, VA
How much would you need to earn in Virginia Beach, VA to maintain your standard of living from San Francisco, CA?
Equivalent salary in Virginia Beach, VA
$62,349
You could earn $12,651 less (17% lower) and break even.
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
San Francisco
California
Virginia Beach
Virginia
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
Renters will find significantly cheaper housing in Virginia Beach — median rent of $1,714/mo versus $2,476/mo in San Francisco, a 31% difference. Home buyers face a steeper market in San Francisco: the median home is $1,394,500 versus $382,500 in Virginia Beach — 73% 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.
San Francisco
Income tax: N/A
Sales tax: N/A
Virginia Beach
Income tax: N/A
Sales tax: N/A
Air quality data is available for Virginia Beach (avg AQI 45.0) but not yet for San Francisco.
Pick Virginia Beach if you prioritize lower overall cost of living (index 97.7 vs 117.6).
Pick San Francisco if you prioritize higher median household income ($140,970/yr).
Pick Virginia Beach if you prioritize cheaper rent ($1,714/mo median).
Is San Francisco cheaper than Virginia Beach?
Virginia Beach is cheaper overall, with a cost of living index of 97.7 versus 117.6 (US average = 100). That means prices run about 17% lower in Virginia Beach.
How much is rent in San Francisco vs Virginia Beach?
Median rent is $2,476/mo in San Francisco, CA and $1,714/mo in Virginia Beach, VA. Virginia Beach, VA has the lower rent by about 31%.
Which has higher salaries — San Francisco or Virginia Beach?
Median household income is $140,970 in San Francisco, CA and $92,968 in Virginia Beach, VA. 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 — San Francisco or Virginia Beach?
State tax data is not yet available for one or both cities.
What salary do I need in Virginia Beach to match my San Francisco income?
To maintain the same purchasing power, a salary of $100,000 in San Francisco, CA is equivalent to roughly $83,132 in Virginia Beach, VA (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
