Salary needed
A $50,000 salary in San Francisco County, CA would need to be about $41,950 in Durham County, NC, or $8,050 less, to match the modeled cost ratio.
San Francisco County, CA vs Durham County, NC: Cost of Living Difference
Is it cheaper?
Durham County, NC is cheaper than San Francisco County, CA.
Moving to Durham County, NC is estimated to save $11,949 per year.
Cheaper County
Durham County, NCSave about $11,949 per year.Salary needed
$50,000 in San Francisco County, CA is about $41,950 in Durham County, NC.
Biggest drivers
Transport increases by $3,515 per year. Housing saves $6,366 per year.
Housing: $6,366 lower in Durham County, NC
Taxes: $3,783 lower in Durham County, NC
Childcare: about the same in both counties
Healthcare: $1,690 lower in Durham County, NC
Food: $1,258 lower in Durham County, NC
Transport: $3,515 higher in Durham County, NC
San Francisco County, CA→Durham County, NC
Equivalent salary in Durham County, NC
$41,950
-16.1% lower
Current salary: $50,000
Household: 1 adult · 0 children
Median Income in San Francisco County, CA: $165,603
Median Income in Durham County, NC: $103,036
Living Index in San Francisco County, CA 44.82%
Living Index in Durham County, NC 60.44%
This estimate matches your purchasing power (equivalent salary) when moving from San Francisco County, CA to Durham County, NC.
* Living index is estimated as (estimated total cost / area median income) * 100. A living index above 100% means modeled costs exceed median income.
Cost of Living Breakdown by Category
Summary
Moving from San Francisco County, CA to Durham County, NC is estimated to save $11,949 per year. A $50,000 salary in San Francisco County, CA would have similar purchasing power to about $41,950 in Durham County, NC. The largest savings come from housing and taxes.
This is a -16.1% decrease in modeled annual costs. Housing is $6,366 per year lower (-25.06%); Taxes is $3,783 per year lower (-21.63%).
Below we break down the annual categories behind the difference using Economic Policy Institute 2026 Family Budget data.
Why this comparison matters
These notes use the actual annual cost differences between San Francisco County, CA and Durham County, NC, so the page highlights the budget tradeoffs behind the total.
Affordability vs median income
Modeled annual costs equal about 44.8% of median family income in San Francisco County, CA and 60.4% in Durham County, NC. This matters because a cheaper county can still feel tight if typical local incomes are also lower.
Housing
Housing is $6,366 per year lower in Durham County, NC than in San Francisco County, CA. Housing usually behaves like a fixed monthly commitment, so this matters most for renters or buyers checking whether Durham County, NC changes their baseline budget.
Food
Food is $1,258 per year lower in Durham County, NC than in San Francisco County, CA. Food costs affect weekly cash flow, so even a smaller annual gap in Durham County, NC can show up quickly for households that cook most meals at home.
Transportation
Transportation is $3,515 per year higher in Durham County, NC than in San Francisco County, CA. Transportation matters for commuters because driving distance, vehicle costs, and transit access can change how much of a salary is left after getting around Durham County, NC.
Healthcare
Healthcare is $1,690 per year lower in Durham County, NC than in San Francisco County, CA. Healthcare differences are useful for planning premiums and out-of-pocket exposure, especially if Durham County, NC changes provider networks or plan options.
Other necessities
Other necessities is $2,367 per year lower in Durham County, NC than in San Francisco County, CA. Other necessities cover everyday basics, so changes in Durham County, NC help explain the non-housing costs that can quietly add up month after month.
Childcare
Childcare is about the same in San Francisco County, CA and Durham County, NC, so this category is not a major driver of the modeled gap. Childcare is most important for households with children; in Durham County, NC, this line can swing the result even when housing or taxes look manageable.
Taxes
Taxes is $3,783 per year lower in Durham County, NC than in San Francisco County, CA. Taxes affect take-home pay, so the gap in Durham County, NC matters even if the headline salary looks similar before deductions.
What changed the most?
The following cards show the annual category differences that most affect the move to Durham County, NC.
Biggest Cost
Largest annual cost increase when moving to Durham County, NC
Annual Increase:
$3,515 per year
TRANSPORT has the largest annual increase when moving to Durham County, NC.
Biggest Savings
Largest annual savings when moving to Durham County, NC
Annual Savings:
$6,366 per year
HOUSING has the largest annual savings when moving to Durham County, NC.
Breakdown of price percentages per category.
Numbers are average costs per section.
| Category | Difference | |
|---|---|---|
| Housing | -25% lower | |
| Food | -22% lower | |
| Transport | 40% higher | |
| Healthcare | -23% lower | |
| Other Costs | -24% lower | |
| Childcare | 0% higher | |
| Taxes | -22% lower |
In Durham County, NC, modeled annual costs are $62,280 compared with $74,229 in San Francisco County, CA.
Overall, annual costs are lower in Durham County, NC. The category breakdown above shows where the move creates the most room in the budget.
In this case Durham County, NC and San Francisco County, CA are both metropolitan locations.
Use our map to visually compare multiple counties at once.
