$90,000 in St. Louis ≈ $109,401 in San Francisco (+21.6% cost of living)
$109,401
Target salary in San Francisco for the same standard of living.
Cost of living target · prices +21.6% vs St. Louis.
Cost & tax landscape
Housing drives most of this move’s price gap : The biggest everyday cost difference when moving from St. Louis to San Francisco is housing & rent, which runs about 146.5% more expensive in San Francisco.
Move metrics
How price levels, target salary, and state tax line up for St. Louis → San Francisco.
| Metric | St. Louis | San Francisco | Delta |
|---|---|---|---|
| Cost of living index | 95.1 | 115.6 | +21.6% overall |
| Groceries & goods | 100.0 | 108.5 | +8.5% |
| Housing & rent | 79.0 | 194.7 | +146.5% |
| Everyday services | 98.6 | 106.2 | +7.7% |
| Base / COL target | $90,000 | $109,401 COL target | +$19,401 (+21.6%) |
| State income tax (single) | ~$3,293 | ~$4,396 | +$1,103 tax drag |
| Tax parity target | $90,000 | $91,103 Tax match | +$1,103 (+1.2%) |
COL target is purchasing-power equivalence. Tax parity target matches after-state-tax dollars only, not cost of living. State tax is approximate single-filer.
Tax take-home
Two different questions. Don’t mix them with the cost-of-living headline above.
- Cost of living target
- $109,401
- Tax parity target
- $91,103
Gross needed in San Francisco for the same purchasing power as your $90,000 in St. Louis, before taxes.
Gross needed in San Francisco to keep the same after-tax dollar amount of about $86,707 (without accounting for the higher cost of living) .
On $90,000 in St. Louis, you keep about $86,707 after Missouri tax. Matching that take-home under California tax is the tax parity target above (roughly $1,103 more gross) .
- Money in pocket (est.)
- $86,707
- MO state tax
- $3,293
- CA state tax on match
- $4,396
- Tax parity vs origin gross
- +$1,103
Approximate single-filer state income tax only (Tax year 2026 (approximate single-filer schedules)). No federal tax, FICA, local city tax, or credits. Multi-state metros use the primary state code. Not tax advice.
Rate sources: Tax Foundation: State Individual Income Tax Rates and Brackets (2026); Federation of Tax Administrators: State Individual Income Taxes . Details in methodology and disclaimer.
Career & jobs
Local salary guide
only when local median ≥ your cost-of-living target ( $109,401). Below-target roles show no badge.
| Occupation | San Francisco | Gap |
|---|---|---|
| Software Developers | $186,640
Beats target
| +44.6% |
| Office Clerks, General | $52,000
Beats target
| +15.6% |
| Accountants and Auditors | $110,730
Beats target
| +40.4% |
| Computer and Information Systems Managers | $232,890
Beats target
| +39.3% |
| Management Analysts | $126,730
Beats target
| +25.4% |
| Business Operations Specialists, All Other | $104,500
Beats target
| +9.5% |
| Project Management Specialists | $135,040
Beats target
| +34.4% |
| Secretaries and Administrative Assistants, Except Legal, Medical, and Executive | $62,110
Beats target
| +34.4% |
Local salary guide May 2025. Gaps over 50% omitted. Sorted by local jobs in field.
Find Software Developers jobs in San Francisco
- Software Developers
- Office Clerks, General
- Accountants and Auditors
- Computer and Information Systems Managers
- Management Analysts
- Business Operations Specialists, All Other
- Project Management Specialists
- Secretaries and Administrative Assistants, Except Legal, Medical, and Executive
- First-Line Supervisors of Office and Administrative Support Workers
- Maintenance and Repair Workers, General
- Lawyers
- Bookkeeping, Accounting, and Auditing Clerks
- Sales Managers
- Financial Managers
- Computer Occupations, All Other
- Heavy and Tractor-Trailer Truck Drivers
- Human Resources Specialists
- Medical Assistants
- Carpenters
- Medical Secretaries and Administrative Assistants
- Sales Representatives, Wholesale and Manufacturing, Except Technical and Scientific Products
- First-Line Supervisors of Retail Sales Workers
- Construction Laborers
- Computer Systems Analysts
- Civil Engineers
- Computer User Support Specialists
- Self-Enrichment Teachers
- Securities, Commodities, and Financial Services Sales Agents
- Financial and Investment Analysts
- First-Line Supervisors of Construction Trades and Extraction Workers
- Substance Abuse, Behavioral Disorder, and Mental Health Counselors
- Electricians
- Licensed Practical and Licensed Vocational Nurses
- Social and Human Service Assistants
- Shipping, Receiving, and Inventory Clerks
- Property, Real Estate, and Community Association Managers
- Paralegals and Legal Assistants
- Dental Assistants
- Industrial Truck and Tractor Operators
- First-Line Supervisors of Transportation and Material Moving Workers, Except Aircraft Cargo Handling
- Automotive Service Technicians and Mechanics
- Production, Planning, and Expediting Clerks
- Inspectors, Testers, Sorters, Samplers, and Weighers
- Buyers and Purchasing Agents
- First-Line Supervisors of Mechanics, Installers, and Repairers
- Software Quality Assurance Analysts and Testers
- Child, Family, and School Social Workers
- Plumbers, Pipefitters, and Steamfitters
- Industrial Engineers
- Coaches and Scouts
- Chefs and Head Cooks
- Painters, Construction and Maintenance
- Clinical Laboratory Technologists and Technicians
- Chief Executives
- Construction Managers
- Social and Community Service Managers
- First-Line Supervisors of Production and Operating Workers
- Architectural and Engineering Managers
- Food Service Managers
- Administrative Services Managers
- Billing and Posting Clerks
- Logisticians
- Electrical, Electronic, and Electromechanical Assemblers, Except Coil Winders, Tapers, and Finishers
- Middle School Teachers, Except Special and Career/Technical Education
- Pharmacy Technicians
- Heating, Air Conditioning, and Refrigeration Mechanics and Installers
- Sales Representatives, Wholesale and Manufacturing, Technical and Scientific Products
- Network and Computer Systems Administrators
- Transportation, Storage, and Distribution Managers
- Pharmacists
- Physicians, All Other
- Education Administrators, Kindergarten through Secondary
- Claims Adjusters, Examiners, and Investigators
- Loan Officers
- Cost Estimators
- Physical Therapists
- Facilities Managers
- Health Technologists and Technicians, All Other
- Dispatchers, Except Police, Fire, and Ambulance
- Industrial Production Managers
- Office and Administrative Support Workers, All Other
- First-Line Supervisors of Housekeeping and Janitorial Workers
- Installation, Maintenance, and Repair Workers, All Other
- First-Line Supervisors of Non-Retail Sales Workers
- Cement Masons and Concrete Finishers
- Insurance Claims and Policy Processing Clerks
- Mobile Heavy Equipment Mechanics, Except Engines
- Instructional Coordinators
- Payroll and Timekeeping Clerks
- Welders, Cutters, Solderers, and Brazers
- Computer Numerically Controlled Tool Operators
- Medical Records Specialists
- Physician Assistants
- Bus and Truck Mechanics and Diesel Engine Specialists
- Education Administrators, Postsecondary
- Loan Interviewers and Clerks
- Machinists
- Occupational Therapists
- Bill and Account Collectors
- Coating, Painting, and Spraying Machine Setters, Operators, and Tenders
- Highway Maintenance Workers
- Psychiatric Technicians
- Cutting, Punching, and Press Machine Setters, Operators, and Tenders, Metal and Plastic
Type to filter, e.g. Software, Accountant
$129,030 in St. Louis → $186,640 in San Francisco (+44.6%)
See current openings for Software Developers in San Francisco.
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Counter-offer letter
Turn your cost-of-living target into a one-click negotiation draft you can edit and send.
Template only. Not legal or career advice. Cite your own offer details before sending.
Target salary ladder in San Francisco
| In St. Louis | In San Francisco |
|---|---|
| $60,000 | $72,934 |
| $90,000 | $109,401 |
| $150,000 | $182,334 |
Target salary keeps the same standard of living.
FAQ
- What salary do I need in San Francisco to match $90,000 in St. Louis?
- About $109,401, your target salary for the same standard of living, based on cost of living indexes of 95.1 and 115.6 (2024). Not financial advice.
- Why is San Francisco more expensive than St. Louis?
- The biggest everyday cost difference when moving from St. Louis to San Francisco is housing & rent, which runs about 146.5% more expensive in San Francisco. Overall cost of living index is 95.1 in St. Louis vs 115.6 in San Francisco (2024, US average = 100).
- How do published wages compare for a move from St. Louis to San Francisco?
- Among jobs with published local salary medians in both metros (excluding gaps over 50%), Software Developers is among the highest-employment matches: $129,030 in St. Louis vs $186,640 in San Francisco (+44.6%; about 69,030 local jobs in the field at the destination). The table below lists other high-employment occupations.
- How do state income taxes change take-home from St. Louis to San Francisco?
- Two different targets: the cost of living target is about $109,401 (gross for the same purchasing power). Separately, the tax parity target is about $91,103, the gross you’d need in San Francisco to keep the same after-tax dollars (~$86,707) you keep after Missouri tax on $90,000 in St. Louis, without adjusting for cost of living. Approximate single-filer state schedules (Tax Foundation 2026). Not tax advice.
- What is not included in this comparison?
- Local city taxes, federal tax, FICA, childcare, healthcare premiums, leave benefits, and job openings are not modeled. Approximate state income tax take-home is shown separately where schedules are available. Use these figures as a starting point, not advice.
What this St. Louis → San Francisco move covers
The biggest everyday cost difference when moving from St. Louis to San Francisco is housing & rent, which runs about 146.5% more expensive in San Francisco. Cost of living index 2024; local salary guide May 2025.
Includes
- Cost of living index for everyday expenses (housing, groceries & goods, services)
- Local salary guide: median pay, typical pay range, and jobs in the field where published
- Target salary math so you keep the same standard of living after a move
- Approximate single-filer state income tax take-home on compare pages (see rate sources on the page)
Does not include
- Local city taxes, credits, filing-status variants, or tax advice
- Childcare, healthcare premiums, or leave benefits
- Job openings. “Local jobs in field” is how many people work in the role, not hiring demand
Technical source names (RPP, OEWS) and formulas live on the methodology page.
See methodology and disclaimer.