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San Francisco
#5 of 124
North America

San Francisco

CA, United States

Salary & Cost of Living

View purchasing power ranking
Median Salary
$274,900
Based on 12624 data points from levels.fyi
Net Salary
$174,012
Tax Rate: 37%
Cost of Living
Same as San Francisco
View detailed cost breakdown on Numbeo

Top Paying Companies in San Francisco

Anthropic logo
Anthropic
OpenAI logo
OpenAI
xAI logo
xAI

Community Insights

New
8/10

San Francisco is still one of the strongest places in the world to be a software engineer, but the Reddit sentiment is much more nuanced than the old “move to Silicon Valley and make it” dream. The data shows extremely strong take-home pay and purchasing power for software engineers, but also one of the highest cost-of-living profiles among major tech cities. In practice, residents say the math can work very well if you are young, single, frugal, senior, or dual-income — but becomes much harder when you want multiple bedrooms, a house, kids, or long-term stability.

The biggest Reddit warning is do not move without a strong job offer, especially in the current market. Commenters mention layoffs, intense competition, and the risk that junior candidates or people without local experience will struggle. The Bay Area can still be a career accelerant, but it is no longer a casual “show up and get hired” market.

Quality of life divides people less than internet headlines suggest. Long-term residents acknowledge homelessness, crime, drugs, closed storefronts, and a downtown still recovering from COVID, but many also say the worst areas are avoidable and that everyday life in neighborhoods can be beautiful, safe enough, social, and deeply rewarding. People rave about Golden Gate Park, Ocean Beach sunsets, restaurants, music venues, walkability, public transit, neighborhood identity, and the feeling that SF lets you be yourself.

Overall, SF is excellent but unforgiving for software engineers: career upside is enormous, lifestyle can be magical, and many people who leave miss it intensely. But it demands a high salary, strong employment footing, tolerance for urban problems, and careful neighborhood selection. For the right engineer with sponsorship and a serious offer, it is still worth considering; for someone hoping to arrive first and figure it out later, it is risky.

Living Environment

Weather•Safety•Pollution•Events

Rankings

Community Events

Top 1%

#1

of 124 cities

62 events on luma

Current value

Net Income

Top 2%

#2

of 124 cities

$174,012/yr

Current value

Purchasing Power

Top 4%

#5

of 124 cities

Housing Affordability

View affordability ranking
Avg. Property Price
$9,909 / m²
View detailed property prices on Numbeo

The Good

  • Top-tier tech compensation and career upside: the data puts SF near the very top for net income and purchasing power among global tech cities, and Redditors still see the Bay Area as financially worthwhile for strong engineers.
  • Unmatched density of tech employers and ambitious peers: commenters acknowledge far more job prospects than most places, with rapid promotion and wealth-building possible for exceptional Senior/Staff-level engineers.
  • People genuinely fall in love with the city: many residents say they left and missed it every day, came back, or never planned to stay but did because of the beauty, people, views, and sense of freedom.
  • Neighborhood life, walkability, parks, and access are major draws: locals praise being close to restaurants, concerts, shops, playgrounds, Golden Gate Park, Ocean Beach, and daily experiences without needing a car for everything.
  • Great lifestyle if you choose the right neighborhood: residents describe Outer Sunset, Cole Valley, North Beach, Potrero Hill, Inner Richmond, and other areas as having distinct charm, with many saying the scary online narrative does not match day-to-day life in most neighborhoods.
  • Mild climate and outdoor access: Redditors repeatedly mention the fog, ocean, parks, hiking-adjacent lifestyle, and beauty of the Bay, while the data supports SF as sunny, temperate, and not especially rainy compared with many global cities.

The Bad

  • Brutal cost of living and housing tradeoffs: Redditors repeatedly warn that SF/Bay Area works best when renting as a young, single, high-earning engineer, but buying a family-sized home or a single-family house can feel unrealistic unless you are very highly paid or dual-income.
  • Hiring is competitive and currently rougher than the dream suggests: commenters advise not moving first and job-hunting later, especially as a junior or inexperienced engineer, because layoffs and a crowded market can put newcomers at the back of the line.
  • Tech career pressure and layoff anxiety are real: residents describe working hard, worrying about rapid industry changes, and feeling exposed when both their job and their home value depend on the tech economy.

Moving Here

Hard

Relocating to San Francisco as a foreign software engineer is high-reward but administratively hard. The United States has no broad digital-nomad visa, and most engineers need employer sponsorship such as an H-1B, L-1 transfer, O-1, or other specialized route. The H-1B lottery and timing can be a major constraint, so the Reddit advice to get a job that pays to move you before arriving is especially important.

Once authorized to work, daily life is relatively easy for English speakers: English dominates workplaces and social life, the expat and immigrant tech community is large, and SF is culturally open and used to newcomers. The harder parts are immigration uncertainty, healthcare complexity, taxes, expensive deposits/rent, and fierce competition for jobs and housing.

Who Is This City For?

Best for experienced or high-potential software engineers with a strong offer in hand, especially those who want dense urban life, elite tech networks, walkability, food, parks, culture, and access to Bay Area career upside. Avoid it if you need a large home soon, are moving without a job, dislike visible urban disorder, want low stress, or are early-career without a standout profile.

Updated 6/24/2026

Weather8.7/10
Safety40
Pollution49
Events62

Weather snapshot

Average High
19°C
Average Low
12°C
Sunshine Hours
3,062h/yr
Hottest Month High
22°C
Coldest Month Low
8°C
Rainy Days
49/yr
Muggy Days
0/yr
Cloud Cover
34%

Community & Quality

San Francisco community pulse

San Francisco has 62 Luma events listed.

Comfortable Weather

Top 10%

#12

of 124 cities

87/100 weather score

Current value

Home Affordability

Top 25%

#31

of 124 cities

≈4.6 yrs to buy 80m²

Current value

Pollution Score

Middle of the pack

#67

of 124 cities

49/100

Current value (lower is better)

Tax Rate

Bottom 23%

#97

of 124 cities

37%

Current value (lower is better)

Safety Index

Bottom 15%

#107

of 124 cities

39.5/100

Current value

Cost of Living

Bottom 3%

#121

of 124 cities

90/100

Current value (lower is better)

SWE Affordability
4.6 years
Visible homelessness, drugs, crime, and struggling downtown areas: locals say the worst problems are concentrated and avoidable in many neighborhoods, but they also acknowledge COVID-era decline, more homelessness, closed storefronts, and safety issues that “suck.”
  • SF is not the same as Silicon Valley: Redditors stress that San Francisco is a compact city with nightlife and neighborhoods, while Silicon Valley is more suburban corporate campuses; choosing the wrong location can mean boredom or long commutes.
  • Family logistics can be expensive and complicated: people like SF for kids and parks, but mention the unusual school lottery, high space costs, and the fact that many families eventually leave because it is so expensive.