Irving vs San Francisco
Cost of Living (2026)

Irving is 131% less expensive than San Francisco. Plus, Texas has no state income tax vs California's 9.3%.

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At a glance

Irving, TX

COL index97 ✓
State income taxNone ✓
Avg 1BR rent$1,350/mo ✓
Median home price$360K ✓
VS

San Francisco, CA

COL index224
State income tax9.3%
Avg 1BR rent$3,600/mo
Median home price$1350K

Cost breakdown by category

CategoryIrving indexSan Francisco indexDifference
Housing126 ✓297+171%
Groceries92 ✓209+117%
Transportation93 ✓205+112%
Healthcare94 ✓215+121%
Utilities94 ✓193+99%

Source: C2ER Cost of Living Index 2026. Index = 100 is US average. ✓ indicates lower cost.

Salary equivalency: Irving → San Francisco

What salary in San Francisco gives you the same purchasing power as your Irving salary?

Salary in IrvingEquivalent in San FranciscoDifference
$60,000$160,000+$100,000
$80,000$213,000+$133,000
$100,000$266,000+$166,000
$130,000$346,000+$216,000
$150,000$399,000+$249,000
$200,000$532,000+$332,000

Irving vs San Francisco: Full Cost of Living Comparison (2026)

When comparing the cost of living between Irving, TX and San Francisco, CA, Irving comes out significantly more affordable with a COL index of 97 versus 224 for San Francisco — a difference of approximately 131%.

State income tax impact

Texas has no state income tax, giving Irving workers an immediate 9.3% take-home pay advantage over San Francisco workers who pay California's 9.3% state income tax.

Housing costs

The median home price in Irving is $360,000, compared to $1,350,000 in San Francisco. Average 1-bedroom rent is $1,350/month in Irving versus $3,600/month in San Francisco.

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