San Francisco Paycheck Calculator 2026
No personal income tax. San Francisco business taxes (gross receipts tax, Overpaid Executive Tax) are paid by businesses, not withheld from wages. A single filer earning $75,000 in San Francisco takes home about $57,952 a year (22.7% effective tax rate) — and a worker on the city's median full-time pay of $116,752 keeps about $6,915 a month.
Updated 2026-10-03 · Population 827,526 · Median household income $139,801 · Combined sales tax 8.625%
| Bi-weekly | Annual | |
|---|---|---|
| Gross pay | $2,307.69 | $60,000 |
| Federal income tax | -$193.08 | -$5,020 |
| Social Security (6.2%) | -$143.08 | -$3,720 |
| Medicare | -$33.46 | -$870 |
| California income tax | -$60.50 | -$1,573 |
| State Disability Insurance (SDI, incl. Paid Family Leave) | -$30.00 | -$780 |
| Take-home pay | $1,847.57 | $48,037 |
- Take-home $48,037 80.1%
- Federal income tax $5,020 8.4%
- Social Security $3,720 6.2%
- Medicare $870 1.5%
- State tax $2,353 3.9%
Take-home pay vs. taxes at every income level in San Francisco
- Take-home pay
- Total taxes
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2026 take-home pay in San Francisco at common salaries
Single filer, standard deduction, paid bi-weekly. “Worth nationally” adjusts for San Francisco-Oakland-Fremont, CA prices. “Rent share” is the median San Francisco rent ($2,448/month) as a share of take-home.
| Salary | Federal | FICA | State + local | Take-home / yr | Per paycheck | Worth nationally | Rent share |
|---|---|---|---|---|---|---|---|
| $30,000 | $1,420 | $2,295 | $599 | $25,686 | $988 | $22,217 | 114% |
| $50,000 | $3,820 | $3,825 | $1,623 | $40,732 | $1,567 | $35,231 | 72% |
| $75,000 | $7,670 | $5,738 | $3,640 | $57,952 | $2,229 | $50,126 | 51% |
| $100,000 | $13,170 | $7,650 | $6,211 | $72,969 | $2,807 | $63,115 | 40% |
| $150,000 | $24,734 | $11,475 | $11,511 | $102,280 | $3,934 | $88,468 | 29% |
| $250,000 | $51,304 | $15,514 | $22,111 | $161,071 | $6,195 | $139,319 | 18% |
Take-home pay on typical San Francisco incomes
What common local incomes leave after 2026 federal, California and payroll taxes.
| Income | Gross / yr | Taxes | Take-home / yr | Per month |
|---|---|---|---|---|
| Full-time minimum wage ($19.61/hr) | $40,789 | $6,945 | $33,844 | $2,820 |
| Median full-time worker | $116,752 | $33,774 | $82,978 | $6,915 |
| Median household (married, one earner) | $139,801 | $30,123 | $109,678 | $9,140 |
| Per-capita income (all residents) | $92,786 | Income per resident including children and retirees | ||
Housing costs vs take-home pay in San Francisco
- Rent: median gross rent is $2,448 a month ($29,376 a year) — 35% of a median full-time worker's take-home pay, above the common 30% affordability guideline. To keep rent at 30% of take-home you need about $126,725 gross a year.
- Home values: the median owner-occupied home is worth $1,314,700, 9.4× the median household income.
- Property tax: the median homeowner pays $10,001 a year, an effective rate of about 0.76% of home value — $833 a month on top of the mortgage.
What a San Francisco paycheck is worth
Prices in the San Francisco-Oakland-Fremont, CA area are 15.6% above the US average (BEA regional price parity 115.6, 2024; housing 194.7). Adjusting take-home pay for local prices:
| Salary | Take-home in San Francisco | Worth at US-average prices |
|---|---|---|
| $50,000 | $40,732 | $35,231 |
| $75,000 | $57,952 | $50,126 |
| $100,000 | $72,969 | $63,115 |
| $150,000 | $102,280 | $88,468 |
San Francisco vs other cities on $75,000
San Francisco next to the other California cities we cover and the five cities where $75,000 goes about as far once taxes and local prices are counted ($50,126 in national prices here).
| City | Local income tax | Sales tax | Take-home | Price-adjusted |
|---|---|---|---|---|
| San Francisco | None | 8.63% | $57,952 | $50,126 |
| Los Angeles, CA | None | 10.25% | $57,952 | $51,030 |
| San Diego, CA | None | 7.75% | $57,952 | $51,795 |
| San Jose, CA | None | 10.00% | $57,952 | $52,482 |
| Yonkers, NY | $578 | 8.88% | $57,206 | $50,821 |
| Honolulu, HI | None | 4.50% | $57,048 | $51,412 |
| New York City, NY | $2,472 | 8.88% | $55,312 | $49,139 |
Sales tax in San Francisco
San Francisco's combined rate of 8.625% is below the California average of 9.03%. A $1,000 purchase costs $1,086.25; if you spend $20,000 a year on taxable goods, that is about $1,725 in sales tax. California sales tax calculator.
California income tax rates for 2026
Single
| Taxable income over | Rate |
|---|---|
| $0 | 1.00% |
| $11,456 | 2.00% |
| $27,157 | 4.00% |
| $42,861 | 6.00% |
| $59,498 | 8.00% |
| $75,197 | 9.30% |
| $384,109 | 10.30% |
| $460,927 | 11.30% |
| $768,213 | 12.30% |
| $1,000,000 | 13.30% |
Standard deduction $5,900 · personal credit $158
Married filing jointly
| Taxable income over | Rate |
|---|---|
| $0 | 1.00% |
| $22,912 | 2.00% |
| $54,314 | 4.00% |
| $85,722 | 6.00% |
| $118,996 | 8.00% |
| $150,394 | 9.30% |
| $768,218 | 10.30% |
| $921,854 | 11.30% |
| $1,000,000 | 12.30% |
| $1,536,426 | 13.30% |
Standard deduction $11,800 · personal credit $316
Other California payroll deductions
- State Disability Insurance (SDI, incl. Paid Family Leave): 1.300% of wages (no wage cap)
Key facts about San Francisco taxes
- San Francisco has no personal income tax; its gross receipts tax and Overpaid Executive Tax are levied on businesses, not employees.
- The combined sales tax is 8.625% (CDTFA rate file effective Oct 1, 2026).
- Median household income is $139,801 (ACS 2024 1-year), among the highest of any large US city.
More on California brackets, deductions and federal withholding: California (CA) paycheck calculator.
More California calculators
- California (CA) paycheck calculator
- California income tax calculator
- California sales tax calculator
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- San Francisco paycheck calculator
- San Diego paycheck calculator
- San Jose paycheck calculator
- California vs Texas taxes
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- Arizona vs California taxes
- California vs Washington taxes
- California vs Oregon taxes
- California vs New York taxes
- California vs Colorado taxes
- California vs North Carolina taxes
- California vs Tennessee taxes
- Compare California with any state
What this calculator simplifies
- Exemption credits phase out at higher incomes (above $252,203 single / $504,411 joint for 2025). The phase-out is not modeled, and the 2026 thresholds had not been published.
- The renter's credit ($60 / $120 for AGI up to $55,830 single / $111,660 joint in 2026), the CalEITC and the Young Child Tax Credit are not modeled.
- California does not allow the federal deductions for tips, overtime or seniors. The calculator uses California rules.
- Alternative minimum tax is not modeled.
Frequently asked questions
Does San Francisco have a city income tax?
No personal income tax. San Francisco business taxes (gross receipts tax, Overpaid Executive Tax) are paid by businesses, not withheld from wages.
What is the sales tax in San Francisco?
The combined sales tax rate in San Francisco is 8.625%, including the California state rate of 7.25% — $86.25 on a $1,000 purchase.
How much is $75,000 after taxes in San Francisco?
About $57,952 per year or $2,229 per bi-weekly paycheck for a single filer in 2026. Adjusted for local prices (San Francisco-Oakland-Fremont, CA price level 115.6, US = 100) that buys what $50,126 would nationally.
What is the typical salary in San Francisco?
Median earnings for full-time, year-round workers in San Francisco are $116,752 (Census ACS). After 2026 taxes that leaves about $82,978 a year, or $6,915 a month.
What is the minimum wage in San Francisco?
$19.61 an hour. San Francisco Minimum Wage Ordinance rate, effective July 1, 2026 (CPI-adjusted each July 1); higher than the $16.90 California rate. Full-time that is $40,789 a year, or about $33,844 after tax.
How much is property tax in San Francisco?
The median homeowner in San Francisco pays $10,001 a year in real estate taxes on a median home value of $1,314,700 — an effective rate of about 0.76% (Census ACS).
Sources
Figures are taken from official government publications and were last reviewed on 2026-10-03.
- CDTFA sales and use tax rates (effective Oct 1, 2026 rate file)
- SF Treasurer & Tax Collector, business taxes
- US Census Bureau ACS 2024 1-year via Census Reporter: population, home value, real estate taxes, gross rent, per capita income, full-time earnings (San Francisco, CA)
- City and County of San Francisco OLSE, Minimum Wage Ordinance
- US Bureau of Economic Analysis, Regional Price Parities by MSA (table MARPP), 2024 data released February 19, 2026
- BEA, Real Personal Income and Regional Price Parities methodology
- US Census Bureau, American Community Survey 2024 1-year estimates (tables B01003/B01001, B25077, B25103, B25064, B19301, B20018)
- US Department of Labor, State Minimum Wage Laws (page updated July 1, 2026)
- FTB – Tax News: 2026 Indexing (tax rate schedules, standard deduction, exemption credits)
- EDD – Contribution Rates, Withholding Schedules (2026 SDI rate)
- EDD – 2026 Withholding Schedules, Method B
- Rev. Proc. 2025-32 (2026 inflation adjustments incl. OBBBA)
- IRS: Tax inflation adjustments for tax year 2026, including OBBBA amendments