San Francisco-Oakland-Fremont, CA

Unemployment of 4.4% — higher than in all but 42% of the 835 measured US metro and micro areas.

Employment fell 2.2% over the past year, to 2,343,964 employed residents.

53% of adults hold a four-year degree, higher than 98% of measured US metro and micro areas.

Median household income of $136,027 is higher than in 99% of measured US metro and micro areas.

Prices for everything a household buys run about 18% above the national average — the Bureau of Economic Analysis index reads 117.6, against 100 for the nation. Nationally, housing drives most of the spread between places in this index; other goods vary far less.

Homeowners here who pay a tax bill pay a median of $8,522 a year in real estate taxes, about 0.75% of the median home value.

HUD’s Fair Market Rent for a two-bedroom, set near the 40th percentile of recent new leases, is $3,185, some 29% above the $2,474 tenants already here pay.

At HUD’s Fair Market Rent of $3,185 a month for a two-bedroom, keeping rent to 30% of income takes a household income of about $127,400 a year, about 94% of the median household income here of $136,027.

The typical renter household here spends 29% of its income on rent, below the 30% threshold at which a household is considered cost-burdened. Median gross rent runs $2,474 a month.

A median home at $1,140,700 costs 6.5 times the median income of its owner-occupied households, $176,447, well above the historic benchmark, at a level conventionally described as seriously unaffordable.

These measures come from the same ACS release as the income they are compared with. They compare housing cost with local earnings only: transport, groceries, healthcare, insurance and taxes are not in them. How to read affordability, the two rent figures and the cost-of-living index.

8 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 72°F and January a low of 42°F.

Normal annual precipitation is 18.7 inches.

Climate figures are thirty-year normals, not current conditions. How to read climate and air quality.

Each of these is absent for a reason, not by oversight. The Area Score is calculated without them; the weighting is on the methodology page.

Reported crime

Offenses reported to police are published by department rather than by town, so AreaProfile shows a rate only on city profiles, and only where that city’s department submitted every month of a year. City profiles inside this area carry their own figure where their department reported a full year. A partial year is never scaled up to look complete, and arrest counts or news volume are never substituted for it.

Death-certificate rates

The CDC publishes these rates by county, so a metropolitan area carries none of its own. The county profiles inside it do.

Air quality

The EPA publishes an air-quality index by county, and only where a monitor sits, so a metropolitan area carries none of its own. The county profiles inside it show it where one exists.

Taxes

Income and sales taxes are not published: no source covers them nationally with a method open enough to check. Property taxes are shown in the housing section but are not part of the score. The cost-of-living index above is a price level for all consumption, not a household budget, and it excludes taxes. Nothing here is individualized tax advice.

Anything about a specific address

Every figure describes an area, not a street or a house.

Profile recalculated October 8, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology, or every source with how often each updates.