Laredo vs San Francisco
Cost of Living (2026)

Laredo is 195% less expensive than San Francisco. Plus, Texas has no state income tax vs California's 9.3%.

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At a glance

Laredo, TX

COL index76 ✓
State income taxNone ✓
Avg 1BR rent$720/mo ✓
Median home price$160K ✓
VS

San Francisco, CA

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

Cost breakdown by category

CategoryLaredo indexSan Francisco indexDifference
Housing98 ✓297+199%
Groceries73 ✓209+136%
Transportation75 ✓205+130%
Healthcare74 ✓215+141%
Utilities77 ✓193+116%

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

Salary equivalency: Laredo → San Francisco

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

Salary in LaredoEquivalent in San FranciscoDifference
$60,000$204,000+$144,000
$80,000$272,000+$192,000
$100,000$340,000+$240,000
$130,000$442,000+$312,000
$150,000$509,000+$359,000
$200,000$679,000+$479,000

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

When comparing the cost of living between Laredo, TX and San Francisco, CA, Laredo comes out significantly more affordable with a COL index of 76 versus 224 for San Francisco — a difference of approximately 195%.

State income tax impact

Texas has no state income tax, giving Laredo 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 Laredo is $160,000, compared to $1,350,000 in San Francisco. Average 1-bedroom rent is $720/month in Laredo versus $3,600/month in San Francisco.

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