San Francisco vs Madrid: Cost of Living, Rent & Purchasing Power Comparison

Comparing San Francisco (United States) and Madrid (Spain) reveals a cost-of-living index of 94.1 in San Francisco versus 59.5 in Madrid (NYC baseline = 100.0). Overall, Madrid is 36.8% more affordable than San Francisco.

Metrological Indicator San Francisco (United States) Madrid (Spain)
Cost of Living Index (NYC = 100) 94.1 59.5
Rent Index 87 35.8
Groceries Index 97.6 50
Restaurant Price Index 90.7 53.9
Local Purchasing Power Index 125.4 84.1
1-Bed Apartment in City Center $3,289 €1,092
Inexpensive Restaurant Meal $23.30 €13.52
Monthly Public Transit Pass $101.80 €56.16
Basic Monthly Utilities (85m²) $207 €150.80
Safety & Healthcare Score Safety 53.1/100 · Health 78.5/100 Safety 70.1/100 · Health 81.2/100

Is San Francisco more expensive than Madrid?

San Francisco has a higher overall cost-of-living index (94.1) compared to Madrid (59.5), representing an index differential of 34.6 points (36.8% difference).

How do apartment rents compare between San Francisco and Madrid?

In San Francisco, a 1-bedroom city-center apartment averages $3,289/month (Rent Index: 87), whereas in Madrid it averages €1,092/month (Rent Index: 35.8).

→ San Francisco Full Cost Report → Madrid Full Cost Report → Global City Index Directory

Cost of Living & Real Estate Market in San Francisco

The cost of living in San Francisco, United States is indexed at 94.1 points relative to New York City (which acts as the baseline at 100). This rating indicates a premium-tier expense profile for residents, digital nomads, and expats alike. When factoring in general consumer spending, local taxes, and retail prices, {city} offers a unique economic landscape.

Housing and accommodation in San Francisco are defined by a Rent Index of 87. A typical one-bedroom apartment in the city center generally commands about $3,289 per month. For long-term stays, housing expenses represent a very expensive portion of an average expat budget, meaning finding affordable housing requires careful planning.

Daily sustenance and lifestyle expenses are key. In San Francisco, a basic meal at an inexpensive local restaurant averages $23.30, while a standard cup of coffee is priced around $6.10. Public transit is accessible, with a monthly commuter pass costing approximately $101.80, and basic residential utility bills (electricity, heating, water) averaging $207 monthly.

Looking at quality of life metrics, San Francisco secures a safety index rating of 53.1/100, which is considered highly secure. The local climate efficiency is rated at 86.7/100, healthcare standard scores 78.5/100, and digital connectivity is supported by average internet download speeds of 98.4 Mbps.

METROLOGY ID: SAN FRANCISCO-EN-2026 | DYNAMIC DATA FEED

Cost of Living & Real Estate Market in Madrid

The cost of living in Madrid, Spain is indexed at 59.5 points relative to New York City (which acts as the baseline at 100). This rating indicates a moderate expense profile for residents, digital nomads, and expats alike. When factoring in general consumer spending, local taxes, and retail prices, {city} offers a unique economic landscape.

Housing and accommodation in Madrid are defined by a Rent Index of 35.8. A typical one-bedroom apartment in the city center generally commands about €1,092 per month. For long-term stays, housing expenses represent a mid-range portion of an average expat budget, meaning finding affordable housing requires careful planning.

Daily sustenance and lifestyle expenses are key. In Madrid, a basic meal at an inexpensive local restaurant averages €13.52, while a standard cup of coffee is priced around €2.29. Public transit is accessible, with a monthly commuter pass costing approximately €56.16, and basic residential utility bills (electricity, heating, water) averaging €150.80 monthly.

Looking at quality of life metrics, Madrid secures a safety index rating of 70.1/100, which is considered highly secure. The local climate efficiency is rated at 89.2/100, healthcare standard scores 81.2/100, and digital connectivity is supported by average internet download speeds of 94.2 Mbps.

METROLOGY ID: MADRID-EN-2026 | DYNAMIC DATA FEED