What does WatchPennies calculate?

WatchPennies estimates cost of living by US county across housing, food, transportation, healthcare, childcare, other necessities, taxes, and income context.

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San Francisco County, CA vs Montgomery County, OH: Cost of Living Difference

Is it cheaper?

Montgomery County, OH is cheaper than San Francisco County, CA.

Moving to Montgomery County, OH is estimated to save $33,647 per year.

Cheaper County

Montgomery County, OHSave about $33,647 per year.

Salary needed

$50,000 in San Francisco County, CA is about $27,335 in Montgomery County, OH.

Biggest drivers

Transport increases by $2,617 per year. Housing saves $16,219 per year.

Housing: $16,219 lower in Montgomery County, OH

Taxes: $10,739 lower in Montgomery County, OH

Childcare: about the same in both counties

Healthcare: $2,049 lower in Montgomery County, OH

Food: $1,696 lower in Montgomery County, OH

Transport: $2,617 higher in Montgomery County, OH

San Francisco County, CA→Montgomery County, OH

Equivalent salary in Montgomery County, OH

$27,335

-45.33% lower

Current salary: $50,000

Household: 1 adult · 0 children

Median Income in San Francisco County, CA: $165,603

Median Income in Montgomery County, OH: $84,813

Living Index in San Francisco County, CA 44.82%

Living Index in Montgomery County, OH 47.85%

This estimate matches your purchasing power (equivalent salary) when moving from San Francisco County, CA to Montgomery County, OH.

* 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 Montgomery County, OH is estimated to save $33,647 per year. A $50,000 salary in San Francisco County, CA would have similar purchasing power to about $27,335 in Montgomery County, OH. The largest savings come from housing and taxes.

This is a 45.33% decrease in modeled annual costs. Housing is $16,219 per year lower (63.85%); Taxes is $10,739 per year lower (61.4%).

Below we break down the annual categories behind the difference using Economic Policy Institute 2026 Family Budget data.

What changed the most?

The following cards show the annual category differences that most affect the move to Montgomery County, OH.

Biggest Cost

Largest annual cost increase when moving to Montgomery County, OH

Annual Increase:

$2,617 per year

TRANSPORT has the largest annual increase when moving to Montgomery County, OH.

Biggest Savings

Largest annual savings when moving to Montgomery County, OH

Annual Savings:

$16,219 per year

HOUSING has the largest annual savings when moving to Montgomery County, OH.

Breakdown of price percentages per category.

Numbers are average costs per section.

Category	Difference
Housing	-63.85% lower
San Francisco County, CA Montgomery County, OH Average Cost $25403.00 $9184.00 INFO: Housing costs are based on Department of Housing and Urban Development data. The estimate uses 40th percentile rent for privately owned rental units in each area. Studio apartments are paired with one-adult households, one-bedroom apartments with two-adult households, and two-bedroom apartments with households that have children.
Food	-29.57% lower
San Francisco County, CA Montgomery County, OH Average Cost $5735.00 $4039.00 INFO: Food costs are based on the U.S. Department of Agriculture's food plans. Numbers are normalized to each area using Feeding America and Meal Gap data. This estimate assumes most food is bought at local grocery stores and prepared at home.
Transport	30.10% higher
San Francisco County, CA Montgomery County, OH Average Cost $8695.00 $11312.00 INFO: Transportation costs are a combination of auto ownership, auto use, and public transit. Data is collected from the Center for Neighborhood Technology (CNT).
Healthcare	-28.31% lower
San Francisco County, CA Montgomery County, OH Average Cost $7238.00 $5189.00 INFO: Healthcare expenses come from average insurance premiums and out-of-pocket costs. The estimate assumes families purchase the lowest-cost available insurance plan under the Affordable Care Act. Data comes from Kaiser Family Foundation and the U.S. Department of Health and Human Services (HHS).
Other Costs	-57.54% lower
San Francisco County, CA Montgomery County, OH Average Cost $9667.00 $4105.00 INFO: This cost is calculated through the average spending of categories deemed necessary by the Bureau of Labor Statistics Consumer Expenditure Survey. These include apparel, personal care, household supplies, reading materials, and school supplies.
Childcare	0.00% higher
San Francisco County, CA Montgomery County, OH Average Cost $0.00 $0.00 INFO: Childcare expenses are based on combined costs for center-based care and family-based care for 4-year-olds and school-aged children. For households with one child, the estimate assumes the child is 4 years old. For households with two children, the estimate assumes the second child is 8 years old.
Taxes	-61.40% lower
San Francisco County, CA Montgomery County, OH Average Cost $17491.00 $6752.00 INFO: Taxes are calculated from the National Bureau of Economic Research. The number weighs in personal income tax, state income tax, federal Social Security, and Medicare taxes.

In Montgomery County, OH, modeled annual costs are $40,582 compared with $74,229 in San Francisco County, CA.

Overall, annual costs are lower in Montgomery County, OH. The category breakdown above shows where the move creates the most room in the budget.

In this case Montgomery County, OH and San Francisco County, CA are both metropolitan locations.

Use our map to visually compare multiple counties at once.

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