San Francisco vs Billings

Category-by-Category Breakdown

Index values shown. National average = 100. Lower is cheaper.

💰 Salary Equivalence

To maintain the same standard of living:

See exact take-home pay: California salaries · Montana salaries

Living in San Francisco vs Billings

Housing is typically the biggest factor in any cost-of-living comparison. San Francisco has a housing index of 327 while Billings sits at 93 (national average = 100). The median home in San Francisco costs $1,200,000 compared to $310,000 in Billings, a difference of $890,000. Monthly rent follows a similar pattern: $3,400 in San Francisco versus $1,200 in Billings.

Groceries and everyday expenses show a notable difference: San Francisco scores 112 while Billings scores 99.

Healthcare costs in San Francisco (113) are higher than Billings (102).

Median household income in San Francisco is $119,136 compared to $55,438 in Billings. When adjusted for cost of living, income goes further in Billings.

Relocating: San Francisco vs Billings

If you are considering a move between San Francisco (index: 190) and Billings (index: 98), the 48% cost difference has real implications for your budget. Billings is the more affordable option, but the right choice depends on your income, career opportunities, and lifestyle priorities.

Housing budget reality: Using the 28% rule (spending no more than 28% of gross income on housing), the median household in San Francisco can afford $2,780/month, while the median household in Billings can afford $1,294/month. With median homes at $1,200,000 in San Francisco versus $310,000 in Billings, the higher-cost city presents significant affordability challenges.

Renting vs buying: At $3,400/month in San Francisco and $1,200/month in Billings, renters save significantly in Billings. The rent-to-own ratio in each city determines whether renting or buying offers better value for your situation.

Income adjustment: A $75,000 salary goes further in Billings where costs are 2% below the national average. Before accepting a job in either city, use the salary equivalence data above to understand what you would need to earn to maintain your current standard of living.

Reading These Numbers: San Francisco (190) vs Billings (98)

The cost of living index uses 100 as the national average. San Francisco at 190 is 90% above the US average, while Billings at 98 is 2% below average. There is a meaningful cost gap between these two cities that affects day-to-day budgeting.

The 92-point spread between San Francisco (190) and Billings (98) is large enough to reshape a household budget entirely, especially for single-income families. The biggest category divergence is housing, where San Francisco scores 327 and Billings scores 93. That 234-point gap is the primary driver of the overall cost difference between these two metros. Housing, the largest line item for most households, favors Billings with indices of 93 versus 327. Median home prices of $1,200,000 in San Francisco and $310,000 in Billings underscore this gap.

For renters: With median rents of $3,400/month in San Francisco and $1,200/month in Billings, the annual rent difference is approximately $26,400. Over a 5-year period, that compounds to $132,000 in savings by choosing the more affordable city.

For homebuyers: The $890,000 difference in median home prices between San Francisco and Billings translates to roughly $53,400 per month in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.

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