Cost of Living Comparison Between San Francisco, CA and Munich 
| Indices Difference |  |
|---|---|
| Cost of Living in Munich is 21.8% lower than in San Francisco, CA (excluding rent) | |
| Cost of Living Including Rent in Munich is 29.5% lower than in San Francisco, CA | |
| Rent Prices in Munich are 41.2% lower than in San Francisco, CA | |
| Restaurant Prices in Munich are 27.1% lower than in San Francisco, CA | |
| Groceries Prices in Munich are 36.9% lower than in San Francisco, CA | |
| Local Purchasing Power in Munich is 8.3% lower than in San Francisco, CA | |
Restaurants | San Francisco, CA Edit |
Munich Edit | Difference |
|---|---|---|---|
| Meal at an Inexpensive Restaurant |
30.00 $ (25.55 €) |
21.14 $ (18.00 €) |
-29.5 % |
| Meal for Two at a Mid-Range Restaurant (Three Courses, Without Drinks) |
150.00 $ (127.73 €) |
93.95 $ (80.00 €) |
-37.4 % |
| Combo Meal at McDonald's (or Equivalent Fast-Food Meal) |
15.00 $ (12.77 €) |
14.09 $ (12.00 €) |
-6.1 % |
| Domestic Draft Beer (1 Pint) |
8.00 $ (6.81 €) |
5.87 $ (5.00 €) |
-26.6 % |
| Imported Beer (12 oz Small Bottle) |
9.00 $ (7.66 €) |
5.87 $ (5.00 €) |
-34.8 % |
| Cappuccino (Regular Size) |
5.72 $ (4.87 €) |
4.49 $ (3.82 €) |
-21.5 % |
| Soft Drink (Coca-Cola or Pepsi, 12 oz Small Bottle) |
3.21 $ (2.73 €) |
3.90 $ (3.32 €) |
+21.6 % |
| Bottled Water (12 oz) |
2.67 $ (2.27 €) |
3.43 $ (2.92 €) |
+28.8 % |
Markets | San Francisco, CA Edit |
Munich Edit | |
| Milk (Regular, 1 Liter) |
1.54 $ (1.31 €) |
1.40 $ (1.19 €) |
-9.2 % |
| Fresh White Bread (1 lb Loaf) |
4.69 $ (3.99 €) |
1.99 $ (1.69 €) |
-57.7 % |
| White Rice (1 lb) |
2.77 $ (2.36 €) |
1.41 $ (1.20 €) |
-49.0 % |
| Eggs (12, Large Size) |
6.18 $ (5.27 €) |
4.11 $ (3.50 €) |
-33.5 % |
| Local Cheese (1 lb) |
10.39 $ (8.85 €) |
7.85 $ (6.69 €) |
-24.4 % |
| Chicken Fillets (1 lb) |
5.93 $ (5.05 €) |
5.24 $ (4.46 €) |
-11.7 % |
| Beef Round or Equivalent Back Leg Red Meat (1 lb) |
10.54 $ (8.98 €) |
7.74 $ (6.59 €) |
-26.6 % |
| Apples (1 lb) |
3.25 $ (2.77 €) |
1.60 $ (1.36 €) |
-50.9 % |
| Bananas (1 lb) |
1.30 $ (1.10 €) |
1.01 $ (0.86 €) |
-21.9 % |
| Oranges (1 lb) |
2.50 $ (2.13 €) |
1.29 $ (1.10 €) |
-48.6 % |
| Tomatoes (1 lb) |
3.46 $ (2.94 €) |
1.72 $ (1.46 €) |
-50.3 % |
| Potatoes (1 lb) |
1.62 $ (1.38 €) |
1.01 $ (0.86 €) |
-37.7 % |
| Onions (1 lb) |
1.93 $ (1.65 €) |
0.73 $ (0.62 €) |
-62.1 % |
| Lettuce (1 Head) |
2.94 $ (2.50 €) |
1.66 $ (1.41 €) |
-43.5 % |
| Bottled Water (50 oz) |
2.85 $ (2.43 €) |
1.07 $ (0.91 €) |
-62.4 % |
| Bottle of Wine (Mid-Range) |
18.00 $ (15.33 €) |
7.63 $ (6.50 €) |
-57.6 % |
| Domestic Beer (16.9 oz Bottle) |
2.95 $ (2.51 €) |
1.20 $ (1.02 €) |
-59.5 % |
| Imported Beer (12 oz Small Bottle) |
3.68 $ (3.13 €) |
1.73 $ (1.47 €) |
-53.0 % |
| Cigarettes (Pack of 20, Marlboro) |
13.00 $ (11.07 €) |
10.22 $ (8.70 €) |
-21.4 % |
Transportation | San Francisco, CA Edit |
Munich Edit | |
| One-Way Ticket (Local Transport) |
3.00 $ (2.55 €) |
4.81 $ (4.10 €) |
+60.5 % |
| Monthly Public Transport Pass (Regular Price) |
92.50 $ (78.77 €) |
68.11 $ (58.00 €) |
-26.4 % |
| Taxi Start (Standard Tariff) |
4.15 $ (3.53 €) |
6.69 $ (5.70 €) |
+61.3 % |
| Taxi 1 mile (Standard Tariff) |
3.27 $ (2.78 €) |
5.10 $ (4.35 €) |
+56.2 % |
| Taxi 1 Hour Waiting (Standard Tariff) |
39.00 $ (33.21 €) |
45.21 $ (38.50 €) |
+15.9 % |
| Gasoline (1 Liter) |
1.26 $ (1.08 €) |
2.01 $ (1.71 €) |
+59.2 % |
| Volkswagen Golf 1.5 (or Equivalent New Compact Car) |
36,998.00 $ (31,505.09 €) |
34,056.15 $ (29,000.00 €) |
-8.0 % |
| Toyota Corolla Sedan 1.6 (or Equivalent New Mid-Size Car) |
26,059.42 $ (22,190.51 €) |
37,829.01 $ (32,212.73 €) |
+45.2 % |
Utilities (Monthly) | San Francisco, CA Edit |
Munich Edit | |
| Basic Utilities for 915 Square Feet Apartment (Electricity, Heating, Cooling, Water, Garbage) |
231.78 $ (197.37 €) |
396.30 $ (337.46 €) |
+71.0 % |
| Mobile Phone Plan (Monthly, with Calls and 10GB+ Data) |
66.61 $ (56.72 €) |
17.80 $ (15.16 €) |
-73.3 % |
| Broadband Internet (Unlimited Data, 60 Mbps or Higher) |
69.84 $ (59.47 €) |
46.29 $ (39.41 €) |
-33.7 % |
Sports And Leisure | San Francisco, CA Edit |
Munich Edit | |
| Monthly Fitness Club Membership |
113.95 $ (97.04 €) |
48.85 $ (41.60 €) |
-57.1 % |
| Tennis Court Rental (1 Hour, Weekend) |
21.88 $ (18.63 €) |
31.32 $ (26.67 €) |
+43.2 % |
| Cinema Ticket (International Release) |
17.00 $ (14.48 €) |
17.62 $ (15.00 €) |
+3.6 % |
Childcare | San Francisco, CA Edit |
Munich Edit | |
| Private Full-Day Preschool or Kindergarten, Monthly Fee per Child |
3,018.16 $ (2,570.07 €) |
973.10 $ (828.63 €) |
-67.8 % |
| International Primary School, Annual Tuition per Child |
42,000.00 $ (35,764.47 €) |
15,888.08 $ (13,529.25 €) |
-62.2 % |
Clothing And Shoes | San Francisco, CA Edit |
Munich Edit | |
| Jeans (Levi's 501 or Similar) |
70.62 $ (60.14 €) |
98.46 $ (83.84 €) |
+39.4 % |
| Summer Dress in a Chain Store (e.g. Zara or H&M) |
46.75 $ (39.81 €) |
42.30 $ (36.02 €) |
-9.5 % |
| Nike Running Shoes (Mid-Range) |
99.74 $ (84.93 €) |
96.65 $ (82.30 €) |
-3.1 % |
| Men's Leather Business Shoes |
125.76 $ (107.09 €) |
131.36 $ (111.86 €) |
+4.5 % |
Rent Per Month | San Francisco, CA Edit |
Munich Edit | |
| 1 Bedroom Apartment in City Centre |
3,334.02 $ (2,839.03 €) |
1,810.06 $ (1,541.33 €) |
-45.7 % |
| 1 Bedroom Apartment Outside of City Centre |
2,676.48 $ (2,279.12 €) |
1,366.47 $ (1,163.59 €) |
-48.9 % |
| 3 Bedroom Apartment in City Centre |
5,550.00 $ (4,726.02 €) |
3,532.44 $ (3,008.00 €) |
-36.4 % |
| 3 Bedroom Apartment Outside of City Centre |
4,560.00 $ (3,883.00 €) |
2,761.98 $ (2,351.92 €) |
-39.4 % |
Buy Apartment Price | San Francisco, CA Edit |
Munich Edit | |
| Price per Square Feet to Buy Apartment in City Centre |
1,012.78 $ (862.42 €) |
1,205.61 $ (1,026.62 €) |
+19.0 % |
| Price per Square Feet to Buy Apartment Outside of Centre |
853.08 $ (726.42 €) |
836.86 $ (712.62 €) |
-1.9 % |
Salaries And Financing | San Francisco, CA Edit |
Munich Edit | |
| Average Monthly Net Salary (After Tax) |
7,208.69 $ (6,138.45 €) |
4,659.56 $ (3,967.78 €) |
-35.4 % |
| Annual Mortgage Interest Rate (20-Year Fixed, in %) | 6.31 | 3.86 | -38.7 % |
| Last update: | 11 December 2025 | 12 December 2025 | |
| Contributors in the past 12 months: | 193 | 338 |
Moving to San Francisco, CA? Explore:
Moving to Munich? Explore:
Cities near San Francisco, CA: | Cost of Living in Oakland, California | 10.67 miles |
| Cost of Living in Piedmont, California | 12.31 miles |
| Cost of Living in Berkeley, California | 13.02 miles |
| Cost of Living in Alameda, California | 15.02 miles |
| Cost of Living in San Rafael, California | 18.32 miles |
| Cost of Living in San Mateo, California | 21.47 miles |
| Cost of Living in Belmont, California | 24.19 miles |
| Cost of Living in Walnut Creek, California | 24.48 miles |
| Cost of Living in Redwood City, California | 26.16 miles |
| Cost of Living in Hayward, California | 26.70 miles |
Cities near Munich: | Cost of Living in Weilheim in Oberbayern | 33.39 miles |
| Cost of Living in Aichach | 45.16 miles |
| Cost of Living in Augsburg | 50.51 miles |
| Cost of Living in Traunstein | 73.32 miles |
| Cost of Living in Regensburg | 77.13 miles |
| Cost of Living in Ulm | 94.48 miles |
| Cost of Living in Nuremberg | 103.48 miles |
| Cost of Living in Erlangen | 118.92 miles |
| Cost of Living in Tubingen | 143.48 miles |
| Cost of Living in Stuttgart | 144.21 miles |