Living Wage Calculator
The living wage represents the hourly rate an individual must earn while working full-time (2,080 hours per year) to support themselves and/or their family. The calculator below provide estimates for individuals and households with one or two adults and up to three children. For households with two adults, the hourly wage shown reflects the amount each adult must earn to meet the family’s basic needs, assuming both earn equally.
The poverty wage and state minimum wage are included for comparison. Poverty wage figures are based on the 2025 Poverty Guidelines from the U.S. Department of Health and Human Services and have been converted from annual to hourly rates. State minimum wage data is sourced from the Labor Law Center and reflects rates as of January 2025.
San Francisco
Estimation for and in San Francisco
- Federal poverty wage : ⓘThe poverty wage calculated is based on the federal poverty wage. If there are 2 adults, then the 2 adults are considered to be working. A worker works 160 hours a month. The data used is from Covered California.
- Living wage : ⓘA living wage is the minimum income necessary for a worker to meet their basic needs. It includes the costs of housing, food, childcare, medical, transportation, taxes and other costs.
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- Housing : ⓘData gathered from zillow, assuming 1 adult lives in a studio apartment; 2 adults in a 1 bedroom; 2 adults and 1 child, 2 bedroom; 2 adults 2 children, 3 bedroom; 2 adults 3 children, 3 bedroom
- Food : ⓘModerate cost plans USDA May 2022 adults are considered ages 19-50, using data for male adults as it is slightly more expensive on average. Price increases 20% for an additional adult and 10% for an additional child.
- Child Care : ⓘData from the Children's Council where the estimated child care cost in San Francisco for a family child care home. The cost for a child from 0 to 2 years old is $1,732 and from 2 to 5 years old is $1,700.
- Health Care : ⓘMedical costs include the price of insurance for a person living in California. A single adult gets single premium coverage. Two adults get 2 single premium coverage A family that includes children gets a family premium coverage. Data from Kaiser Family Foundation.
- Transportation : ⓘBureau of labor statistics Consumer expenditure report 2021 states $913 a month per adult for transportation costs, included are car insurance, car payments, gas and for maintenance.
- Other : ⓘBureau of labor statistics Consumer expenditure report 2021, combination of apparel and services, personal care products and services, and miscellaneous from 2021 report.
- Taxes : ⓘTaxes include Federal taxes, State taxes, Social Security taxes and Medicare, data is from 2022 tax forms.
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