Moving from San Francisco to Portland
Your paycheck goes 7.2% further in Portland than in San Francisco. Compare taxes, rent, home prices and the cost of the move.
Equal salary in Portland: $123,600
Compare any two of 149 U.S. metro areas. All cities
To keep the same lifestyle, you need about $123,600 in Portland, OR to match $135,000 in San Francisco, CA ($11,400 less), after 2026 taxes and local prices.
Single filer, W-2 salary. Uses California and Oregon state income tax; includes Portland resident tax $110 (inside city limits).
Prices and housing cover the metro area; taxes use California and Oregon, their principal states. A metro can span several states; living in its other state can change the tax result.
San Francisco vs Portland: key facts
- Median rent
- $2,435 → $1,767/mo
- Median home value
- $1,132,900 → $584,800
- Median household income
- $135,590 → $98,994
- Price level (U.S. = 100)
- 115.6 → 105.4
- FEMA county-score mean
- Very high county-score mean (99.4 → 94.6 of 100)
San Francisco vs Portland cost of living
The vertical line marks the U.S. average (100).
| Measure | San Francisco, CA | Portland, OR |
|---|---|---|
| Overall price level (U.S. = 100) | 115.6 | 105.4 |
| Median rent | $2,435 | $1,767 |
| Income to rent affordably (30%) | $97,400 | $70,680 |
| Median home value | $1,132,900 | $584,800 |
| Monthly cost to own (20% down) | $7,031 | $3,690 |
| Income needed to buy | $301,317 | $158,124 |
| Median property tax | $8,777 | $4,889 |
| State income tax on $135,000 | $8,166 | $10,974 |
| City income tax (inside city limits) | None | $110 |
| Metro population | 4,648,486 | 2,537,070 |
Metro-area figures (Census ACS 2024, BEA 2024). The fixed tax rows above use an illustrative single-earner salary of $135,000, rounded from San Francisco's median household income. Household income can include multiple earners; it is not a typical individual wage. Taxes use each metro's principal state, plus the income tax the principal city charges its residents. Unticking a city's box in the calculator estimates typical suburban tax for living and working outside that tax area; a nonresident city tax for work inside the city is not modeled. A metro can span several states; residence in its other state can change the tax result.
- Portland, OR: Portland residents in Multnomah County pay the Metro Supportive Housing Services tax (1% of Oregon taxable income above $128,000 single / $205,000 joint), the Preschool for All tax (1.5% above $125,000 / $200,000, 3% above $250,000 / $400,000) and the city's Arts Tax ($50 a person, $100 on a joint return, once Oregon taxable income passes $20,000 / $40,000). Living outside Portland avoids the Arts Tax. Preschool for All covers all of Multnomah County (Gresham and the other east-county suburbs too), and the Metro housing tax covers the urban parts of Multnomah, Washington and Clackamas counties, so most suburbs still pay the Metro tax. Both also apply to people who live elsewhere on income earned inside those areas. Living and working in Washington or Clackamas County avoids Preschool for All as well, which is what the suburban estimate assumes. Fixed examples inside the modeled tax area include this tax; calculator totals follow your city-limit selections.
Your yearly budget: San Francisco vs Portland
This fixed budget example uses $135,000, single filing and residence inside the principal city tax areas. It does not change with the calculator above.
On a $135,000 salary, taxes, gross rent including basic utilities, one car and health insurance for one adult come to $81,522 a year in San Francisco and $74,701 in Portland if you rent: $6,821 less after the move. If you buy the median home, those selected costs use mortgage, property tax, homeowners insurance and electricity instead of gross rent; they come to $138,528 and $99,379 ($39,149 less).
Your yearly budget, before vs after
| Yearly cost | San FranciscoBefore | PortlandAfter | Change |
|---|---|---|---|
| Income and payroll taxes on $135,000, single filer | $41,382 | $43,490 | +$2,108 |
| Car insurance one car, state average | $1,225 | $1,170 | -$55 |
| Gas 12,000 miles at 25 mpg | $2,855 | $2,321 | -$534 |
| Health insurance one adult, age 40, own plan before subsidies | $6,840 | $6,516 | -$324 |
| If you rent | |||
| Rent and basic utilities ACS median gross rent, 12 months | $29,220 | $21,204 | -$8,016 |
| Total if you rent | $81,522 | $74,701 | -$6,821 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 7.24% | $74,119 | $38,260 | -$35,859 |
| Property tax median home | $8,777 | $4,889 | -$3,888 |
| Homeowners insurance state median, with a mortgage | $1,473 | $1,126 | -$347 |
| Electricity state average bill | $1,857 | $1,607 | -$250 |
| Total if you buy | $138,528 | $99,379 | -$39,149 |
Taxes: 2026 federal and state rules, plus the principal city's resident income tax where it has one, standard deduction. Rent, home value and property tax: Census ACS 2024 metro-area medians. Gross rent includes tenant-paid electricity, gas, water/sewer and fuels; those basic utilities are not added again. Mortgage: Freddie Mac 30-year average (7.24%, week of October 29, 2026).
State figures for the principal state: EIA 2025 average residential power bill (buyers only), NAIC 2023 auto insurance (average per car), Census ACS 2024 homeowners insurance (median for owners with a mortgage; premiums have risen since), AAA regular gas on October 29, 2026, and the KFF 2026 benchmark silver Marketplace premium. Job-based health coverage usually costs you less, and in 2026 incomes between 100% and 400% of the federal poverty level can get a premium tax credit.
Not included: sales tax (combined state and local rates are not in our data yet), food, car payments and other spending.
Child care is not in the totals. Full-time center care for one infant averages $23,071 a year in San Francisco and $21,774 in Portland (Child Care Aware of America, 2025 (2024 fallback for Colorado, Washington, DC and South Carolina) state averages).
Who moves from San Francisco to Portland
About 1,611 households (2,316 people) moved from the San Francisco metro area to the Portland metro area in 2022–2023, making Portland the #10 destination for people leaving San Francisco among the 149 metro areas we cover. 1,022 households moved the other way. Their average adjusted gross income was $137,727.
Cost to move from San Francisco to Portland
| Moving method (2–3 bedrooms) | Typical range |
|---|---|
| Rental truck (DIY) | $540–$1,900 |
| Moving container | $1,340–$2,980 |
| Full-service movers | $2,210–$7,630 |
Shipping a car instead of driving
Car shipping: $740–$1,110
Shipping a sedan from San Francisco to Portland on an open carrier costs about $740–$1,110, typically 3–7 days in transit over about 630 miles.
Modeled from 32 published 2026 route prices (SGT Auto Transport 'Ship a Car to Another State' sample routes, SGT Auto Transport cost calculator sample routes) plus published mainland-to-Hawaii and mainland-to-Alaska prices. Reverse ocean routes reuse those inbound prices as a proxy, not a separately sourced price for that direction. The 25% SUV and 35% enclosed-carrier uplifts are model assumptions; ocean carrier packages and vehicle charges can differ. Not a quote.
Natural hazard risk: San Francisco vs Portland
RelocateMath's population-weighted means of FEMA county risk scores are 99.4 for the San Francisco area and 94.6 for the Portland area, on the county-score scale of 0–100. These means are not official FEMA metro ratings or national metro percentiles. Modeled expected yearly losses from natural hazards average $993 vs $477 per resident; individual properties can differ.
The vertical line marks county-score scale midpoint (50).
The vertical line marks county-score scale midpoint (50).
Frequently asked questions
Is Portland cheaper than San Francisco?
Overall prices in the Portland area are 8.8% lower than in San Francisco (BEA Regional Price Parities 2024). Median rent is $1,767 vs $2,435 a month, and the median home is $584,800 vs $1,132,900.
What salary do I need in Portland to match $100,000 in San Francisco?
About $92,200 in a fixed single-filer W-2 example assuming residence inside both principal cities. It accounts for 2026 federal and principal-state taxes, modeled resident local taxes where applicable, and metro prices. Uses California and Oregon state income tax. This illustration stays fixed when calculator inputs change.
How much does it cost to move from San Francisco to Portland?
For a 2–3 bedroom home over about 630 miles: roughly $540–$1,900 with a rental truck, $1,340–$2,980 with a container, or $2,210–$7,630 with full-service movers.
How many people move from San Francisco to Portland?
IRS county migration data for 2022–2023 show about 1,611 households (2,316 people) moved from the San Francisco metro area to the Portland metro area, and 1,022 moved the other way.
Related
Where people from San Francisco move
- San Francisco to San Jose 11,758 households
- San Francisco to Los Angeles 8,569 households
- San Francisco to Sacramento 6,939 households
- San Francisco to New York 5,827 households
- San Francisco to Stockton 4,705 households
- San Francisco to Vallejo 4,117 households
- San Francisco to San Diego 3,376 households
- San Francisco to Santa Rosa 2,913 households
State-agency links identify the responsible tax office; they do not verify every modeled rule. Use forms and guidance for the year you are filing. Local-tax references retain their own publication or filing years. Some documents cover an earlier filing year; a source link is not a claim that every rule has just been rechecked.