Cost of Living in San Rafael, CA
2026 data for San Rafael, CA • Population: 61,450
+55% more expensive than the US average (100)
1-Bedroom Rent
Average monthly rent for a one-bedroom apartment
2-Bedroom Rent
Average monthly rent for a two-bedroom apartment
Median Income
Median household income in San Rafael
Population
Estimated population of San Rafael
How Far Does Your Salary Go?
A salary in San Rafael has different purchasing power than the national average. Use the equivalence below to understand what your salary is worth compared to the US average.
Formula: Your salary in San Rafael ÷ COL index × 100 = equivalent national salary. A $32,258 national salary gives you the same purchasing power as $50,000 in San Rafael.
Housing Affordability Analysis
Rent as % of Income
For a 1-bedroom apartment at median income. Experts suggest under 30% is affordable.
Monthly Rent to Income
Ratio of monthly income to monthly 1-bedroom rent.
What is a Cost of Living Index?
A cost of living index measures the relative cost of goods and services in a city compared to a national baseline (set at 100). An index of 150 means the city is 50% more expensive than average. An index of 80 means it's 20% cheaper than average.
The index typically includes housing, groceries, utilities, transportation, and healthcare—the major expense categories for households.
Compare with Other Cities
See how San Rafael's cost of living stacks up against nearby and similar cities.
Financial Tools to Explore
Use these Pulsafi calculators to plan your finances based on San Rafael's cost of living.
Salary Breakdown Calculator
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Rent vs Buy Calculator
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Budget Calculator
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Mortgage Calculator
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Cost of Living Guide for San Rafael, CA
Overview
San Rafael has a cost of living index of 155, making it 55% more expensive than the national average. With a population of 61,450 and a median household income of $82,234, understanding the true cost of living here is essential for financial planning.
Housing Market
The housing market in San Rafael reflects its cost of living index. A one-bedroom apartment averages $2,200 per month, while a two-bedroom apartment costs approximately $2,800 per month. For renters, this typically consumes 32.1% of the median household income—above the recommended 30% threshold.
Income and Affordability
With a median household income of $82,234, San Rafael residents earn slightly above the national median. When factoring in the local cost of living, a salary of $48,387in San Rafael provides the same purchasing power as $75,000 nationally.
Moving to San Rafael
Whether you're relocating for work or considering a move, understanding the cost of living in San Rafael is crucial. Use our calculators to determine if your salary can support your desired lifestyle here. Consider not just rent, but also food, utilities, transportation, and healthcare when budgeting.
Saving and Investing
Once you understand your cost of living in San Rafael, you can better plan your savings and investment strategy. Our financial tools help you determine how much you can realistically save each month and optimize your financial goals.
Frequently Asked Questions About Cost of Living in San Rafael
How does the cost of living in San Rafael compare to the national average?
San Rafael has a cost of living index of 155, which means it's 55% more expensive than the US average of 100. This affects everything from housing to groceries and utilities.
Is a $48,387 salary good for San Rafael?
A salary in San Rafael has different purchasing power than elsewhere. A $48,387 salary in San Rafael provides the same purchasing power as $75,000 nationally. Compare your salary to the median income of $82,234 to gauge your earning potential.
Can you afford to rent in San Rafael?
With a median household income of $82,234, a one-bedroom apartment averaging $2,200 per month consumes 32.1% of income. Financial experts recommend keeping rent under 30% of gross income—this is above that threshold.
Related Data for San Rafael, CA
Explore take-home pay, affordability, mortgages, and retirement benchmarks around San Rafael's median income.
Take-home pay on $80,000 in California
Federal tax, state tax, Social Security, and Medicare breakdown.
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Tax brackets on $80,000 in California
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Monthly payment, property tax, and total interest at typical rates.
Retirement at 30 earning $80,000
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Emergency fund target for $80,000
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