San Francisco, CA Assisted Living Affordability Score: A ($7,000/mo)

San Francisco, CA ranks well below the national average. Assisted living takes a smaller share of household income here than in most states.

15% more affordable than the national average.

City Living

$84,000/yr

Median Income

$136,689/yr

% of Income

61.5%

nat. avg 72.4%

How the grade is calculated

We divide annual assisted living by median household income to get the cost burden ratio. Then we compare San Francisco, CA's ratio against the national average. Grades reflect how much more or less families pay here relative to what families pay nationally.

A+

25%+ cheaper

10–25% cheaper

0–10% cheaper

0–10% pricier

10–25% pricier

25%+ pricier

Sources: Genworth/CareScout Cost of Care Survey 2025; U.S. Census Bureau ACS 2023 (median household income).

San Francisco, CA vs. national average

San Francisco, CA 61.5% of income

National average 72.4% of income

San Francisco, CA families spend $30,000/year less on assisted living than the national average ($54,000/yr nationally vs. $84,000/yr here).

San Francisco, CA assisted living affordability: common questions

How affordable is assisted living in San Francisco, CA?

San Francisco, CA earns a A for elder care affordability. Annual assisted living costs $84,000 ($7,000/month), which is 61.5% of the city's median household income of $136,689. That's 15% below the national average.

What does assisted living cost per month in San Francisco, CA?

Assisted living in San Francisco, CA averages $7,000/month in 2026. This typically includes a private or semi-private room, meals, housekeeping, transportation, and basic personal care assistance. Memory care units add 25–35% to the base rate.

What financial help is available for elder care in San Francisco, CA?

Medicaid waiver programs cover assisted living for qualifying residents in most states — eligibility is asset and income based. The VA Aid and Attendance benefit pays $1,200–$2,300/month for qualifying veterans and surviving spouses. Long-term care insurance (bought before age 60) is the main private funding option. Medicaid planning attorneys can help structure assets legally to qualify.

How does the elder care affordability grade work?

We divide annual assisted living cost by the local median household income, then compare that ratio to the national average (72.4% of income). A+ means families here face 25%+ less burden relative to income. F means 25%+ more. Most locations will show costs exceeding median income — the grade is about relative burden, not absolute affordability.

What does this mean for your family?

The grade is based on median income. Your actual cost burden depends on your specific income and situation. Use the calculator to see your numbers.

Calculate your assisted living

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