Overall
Diff +13.1 RPP
Philadelphia-Camden-Wilmington vs San Francisco-Oakland-Fremont
Cost of living comparison based on BEA Regional Price Parities. San Francisco-Oakland-Fremont is 12.7% more expensive than Philadelphia-Camden-Wilmington.
12.7% more expensive
San Francisco-Oakland-Fremont, CA is 12.7% more expensive than Philadelphia-Camden-Wilmington, PA-NJ-DE-MD on BEA Regional Price Parities (overall RPP 115.6 vs 102.6). A $100,000 salary in Philadelphia-Camden-Wilmington buys about the same as $112,734 in San Francisco-Oakland-Fremont; the largest component gap is rents.
- Overall RPP 102.6 (Philadelphia-Camden-Wilmington) vs 115.6 (San Francisco-Oakland-Fremont)
- $100k in Philadelphia-Camden-Wilmington ≈ $112,734 purchasing power in San Francisco-Oakland-Fremont
- Rents drives the gap (+81.6 RPP points)
RPP parity plate
Pair PA:CA 102.6→115.6
TIER-GAP · CROSS-STATE · RENT-LED · BOTH-ABOVE · PP-SHIFT
- TIER-GAP Clear tier gap
- CROSS-STATE PA × CA
- RENT-LED Rent-led gap
- BOTH-ABOVE Both above 100
- PP-SHIFT PP shift
Instrument codes from this pair's BEA Regional Price Parities (overall · goods · services · rents · national benchmark 100 · purchasing-power conversion), not a ranking or recommendation.
Salary Equivalents
What a salary in Philadelphia-Camden-Wilmington would need to be in San Francisco-Oakland-Fremont for the same purchasing power:
| In Philadelphia-Camden-Wilmington | In San Francisco-Oakland-Fremont | Difference |
|---|---|---|
| $50,000 | $56,367 | +$6,367 |
| $75,000 | $84,550 | +$9,550 |
| $100,000 | $112,734 | +$12,734 |
| $150,000 | $169,101 | +$19,101 |
$ in Philadelphia-Camden-Wilmington = in San Francisco-Oakland-Fremont
Same BEA Regional Price Parity ratio as the table above (102.6 → 115.6), computed live from your number, nothing is sent anywhere.
What This Comparison Actually Tells You
Both metros exceed the U.S. benchmark of 100. The choice is between two national premiums, so local wages need to clear the higher baseline in either market.
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD and San Francisco-Oakland-Fremont, CA sit in clearly different price tiers, separated by 13.1 RPP points. At this distance, treating the same nominal salary as equivalent would materially change purchasing power.
Rents leads the difference, with San Francisco-Oakland-Fremont 81.6 points higher than Philadelphia-Camden-Wilmington. Goods, services, and rents all point in the same broad direction, making the headline comparison more transferable across household types.
Comparable population context is incomplete for this pair, so no market-scale explanation is inferred from the price indexes.
For a housing-sensitive move, validate the rent gap first: HUD Fair Market Rent and the actual unit size can overturn what the blended index implies. On the BEA ratio alone, $100,000 in Philadelphia-Camden-Wilmington corresponds to $112,734 in San Francisco-Oakland-Fremont.
Category Breakdown
Goods
Diff +11.6 RPP
Services
Diff +58.2 RPP
Rents
Diff +81.6 RPP
| Category | Philadelphia-Camden-Wilmington | San Francisco-Oakland-Fremont | Difference |
|---|---|---|---|
| Overall | 102.6 | 115.6 | +13.1 |
| Goods | 96.8 | 108.5 | +11.6 |
| Services | 114.4 | 172.6 | +58.2 |
| Rents | 113.1 | 194.7 | +81.6 |
Visual Comparison
Overall
Philadelphia-Camden-Wilmington 102.6
San Francisco-Oakland-Fremont 115.6
Goods
Philadelphia-Camden-Wilmington 96.8
San Francisco-Oakland-Fremont 108.5
Services
Philadelphia-Camden-Wilmington 114.4
San Francisco-Oakland-Fremont 172.6
Rents
Philadelphia-Camden-Wilmington 113.1
San Francisco-Oakland-Fremont 194.7
Vertical line = national average (100)
Philadelphia-Camden-Wilmington
102.6
Cost Index
San Francisco-Oakland-Fremont
115.6
Cost Index
Frequently Asked Questions
Is San Francisco-Oakland-Fremont more expensive than Philadelphia-Camden-Wilmington?
San Francisco-Oakland-Fremont is 12.7% more expensive than Philadelphia-Camden-Wilmington. The overall cost index is 115.6 vs 102.6 (national average = 100).
What salary in San Francisco-Oakland-Fremont equals $100K in Philadelphia-Camden-Wilmington?
A $100,000 salary in Philadelphia-Camden-Wilmington has the same purchasing power as $112,734 in San Francisco-Oakland-Fremont. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Philadelphia-Camden-Wilmington and San Francisco-Oakland-Fremont?
Rents in Philadelphia-Camden-Wilmington are indexed at 113.1 while San Francisco-Oakland-Fremont is at 194.7 (national average = 100). San Francisco-Oakland-Fremont has higher rents.
Data sources
- BEA Regional Price Parities (RPP), the cost-of-living indices shown on this page
- U.S. Census Bureau, American Community Survey (ACS), gross-rent observations behind the rents component
- BLS Consumer Price Index (CPI), goods and services price relatives
- BLS Occupational Employment and Wage Statistics (OEWS), labor-driven services component
- HUD Fair Market Rents (FMR), 40th-percentile rent cross-reference
Every figure on PlainCost is rendered directly from BEA Regional Price Parity source data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, our changelog, or report a data error. Data current as of 2026-08-11. Rankings measure the published cost-of-living index only; we don't recommend where to live or rate any metro's quality of life.