Compare / San Francisco to Urban Honolulu
San Francisco, CA vs Urban Honolulu, HI
Simple answer
You'd likely save $1,155 a month in Urban Honolulu.
This is the HUD 2-bedroom fair-market rent for October 2026 through September 2027. It is not your lease.
The largest cost gap in this pair is Fair Market Rent. The 2-bedroom Fair Market Rent gap is $1,155: San Francisco is higher at $3,697 versus $2,542.
California taxes wages at rates up to 13.30%. Hawaii taxes wages at rates up to 11.00%. Combined sales tax differs by 4.5 percentage points, higher in California. The effective property tax gap is 0.43 percentage points, higher in California.
After a move from California to Hawaii, these benefit results change for a family of four at $40,000 and a single adult at $18,000: LIHEAP.
A $75,000 salary in San Francisco lines up with about $71,982 in Urban Honolulu on the 2024 all-items price parity. Census median gross rent and the commute figures are 2024. Fair Market Rents are fiscal year 2027.
San Francisco
San Francisco-Oakland-Fremont, CA
- 2-bedroom Fair Market Rent
- $3,697
- HUD area
- San Francisco, CA HUD Metro FMR Area
- Census median gross rent
- $2,435
- All-items price parity
- 115.6
- Goods price parity
- 108.5
- Utilities price parity
- 172.6
- Mean commute
- 32.7 min
- Median household income
- $135,590
Urban Honolulu
Urban Honolulu, HI
- 2-bedroom Fair Market Rent
- $2,542
- HUD area
- Urban Honolulu, HI MSA
- Census median gross rent
- $2,001
- All-items price parity
- 111.0
- Goods price parity
- 111.6
- Utilities price parity
- 187.3
- Mean commute
- 27.3 min
- Median household income
- $105,205
Equivalent salary
The first number keeps the same place in the national price level. The second also runs 2026 federal income tax, employee Social Security and Medicare, and a simplified state income tax. Groceries use the BEA goods price parity, not a grocery receipt.
$71,982
Salary in Urban Honolulu that matches the 2024 all-items regional price parity.
$73,432
Gross salary in Urban Honolulu whose after-tax pay buys the same basket, using price parities.
$51,569
Scales the salary by the ratio of HUD 2-bedroom Fair Market Rents. Rent is not the whole budget.
Taxes on the two sides of the move
| Tax | California | Hawaii |
|---|---|---|
| State income tax on wages | up to 13.30% | up to 11.00% |
| Combined sales tax, Jan 1, 2026 | 9.0% | 4.5% |
| Effective property tax, ACS 2024 median / median | 0.71% | 0.27% |
On a $400,000 home, the state median effective rate implies about $2,828 a year in California and $1,089 in Hawaii. That illustration is not a local bill. Childcare prices are not in the verified dataset for these metros.
Benefits if you land in Hawaii
Same household, $40,000 a year, scored once in California and once in Hawaii. This is an illustration, not your application.
Food stamps (SNAP)
San FranciscoLikely eligible
Urban HonoluluLikely eligible
Medicaid and CHIP
San FranciscoLikely eligible
Urban HonoluluLikely eligible
WIC
San FranciscoLikely eligible
Urban HonoluluLikely eligible
School meals
San FranciscoLikely eligible
Urban HonoluluLikely eligible
LIHEAP
San FranciscoMaybe
Urban HonoluluLikely eligible
Earned Income Tax Credit
San FranciscoLikely eligible
Urban HonoluluLikely eligible
Child Tax Credit
San FranciscoLikely eligible
Urban HonoluluLikely eligible
Marketplace premium tax credits
San FranciscoUnlikely
Urban HonoluluUnlikely
Lifeline phone and internet
San FranciscoLikely eligible
Urban HonoluluLikely eligible
SSI
San FranciscoUnlikely
Urban HonoluluUnlikely
| Program | San Francisco | Urban Honolulu |
|---|---|---|
| Food stamps (SNAP) | Likely eligible | Likely eligible |
| Medicaid and CHIP | Likely eligible | Likely eligible |
| WIC | Likely eligible | Likely eligible |
| School meals | Likely eligible | Likely eligible |
| LIHEAP | Maybe | Likely eligible |
| Earned Income Tax Credit | Likely eligible | Likely eligible |
| Child Tax Credit | Likely eligible | Likely eligible |
| Marketplace premium tax credits | Unlikely | Unlikely |
| Lifeline phone and internet | Likely eligible | Likely eligible |
| SSI | Unlikely | Unlikely |
LIHEAP changes. In San Francisco the result is “Maybe — the state picks the line inside the federal range.” In Urban Honolulu it is “Likely on the federal income floor.” Income is inside the federal floor, so an income-only denial should not apply.
Related comparisons
From San Francisco
The eight largest 2-bedroom Fair Market Rent gaps from San Francisco.
- San Francisco and McAllen · rent gap $2,680
- San Francisco and Wichita · rent gap $2,654
- San Francisco and Little Rock · rent gap $2,576
- San Francisco and Toledo · rent gap $2,552
- San Francisco and El Paso · rent gap $2,551
- San Francisco and Baton Rouge · rent gap $2,548
- San Francisco and Columbia · rent gap $2,471
- San Francisco and Tulsa · rent gap $2,468
Nearby metros
How the salary and tax math works · The reverse city order redirects to this address.