Townleap

Cost of Living: London vs San Francisco (2026)

United Kingdom vs United States — relocation comparison

Your passport:
London
San Francisco
$3,000/mo
Rent

1BR centre

$3,413/mo
$15k/yr
Take-home savings

At each city's local median pay

$66k/yr
5 yr
PR path
10 yr
4-year FIG regime (Foreign Income and Gains)
Tax breaks

Open incentive regimes for newcomers

Freelance setup
Sole Trader
  • VAT-free under €105k
  • 9% social
  • €600/yr accountant
WiseStripe
Self-employed / Sole Proprietor
  • No VAT exemption
  • 15.3% social
  • €1000/yr accountant
WiseStripe

Sourced from Numbeo · Updated April 2026

TL;DRLondon is 12% cheaper on rent ($3,000/mo vs $3,413/mo). United Kingdom gets you to permanent residency 5 years faster (5 vs 10 years). You can get by in English in both — your Duolingo streak can wait.
London edges ahead 61 to 56. San Francisco isn't far behind — it depends what matters to you.
Household
London
Metric
San Francisco
$1159/mo
🛒
Living costs (no rent)
lower is better
$909/mo
$9,238
🧳
Cost to land
lower is better
$12,582
82 / 100
🛡️
Settler safety
higher is better
56 / 100
1.1 / 100k
🔒
Homicides
lower is better
4.4 / 100k
2.4 / 100k
🚗
Road deaths
lower is better
14.2 / 100k
45 / 100
🚨
Safety Index
higher is better
39 / 100
72°F
☀️
Summer high
personal taste
70°F
39°F
❄️
Winter low
personal taste
46°F
87 Mbps
Internet speed
higher is better
181 Mbps
9.5 μg/m³
🌬️
Air quality (PM2.5)
lower is better
13.1 μg/m³
82 / 100
🏥
Healthcare
higher is better
80 / 100
8.3 / 10
🗳️
Democracy
higher is better
7.8 / 10
52 / 100
🏳️‍🌈
Rainbow Index
higher is better
67 / 100
100/100
🗣️
Street English
higher is better
100/100
$62k
💼
GDP per capita
higher is better
$86k
3.3% · Boringly steady
📈
Inflation
lower is better
2.9% · Boringly steady
92/100 — Reliable
Grid reliability
higher is better
83/100 — Mostly stable
92/100
🗽
Freedom House
higher is better
80/100
A median Software Engineer in London takes home $7,241/mo under Standard employee. In San Francisco: $11,851/mo under Standard employee.
$4,611/mo more in San Francisco
🎯 London's 4-year FIG regime (Foreign Income and Gains) isn't modelled above — if you qualify, take-home would be $6,826/mo instead.
Each city pays its own median — Software Engineer gross via Levels.fyi / Eurostat. Moving changes your salary too; that's the point.
$117k
💰
Gross income
$191k
−$26k
🏛️
Income tax
Standard employee
−$35k
−$5k
🛡️
Social contributions
−$14k
$87k/yr
$7k/mo
💵
Take-home pay
$142k/yr
$12k/mo
−$72k
🏠
Cost of living
−$76k
$15k/yr
🐖
Annual savings
$66k/yr
Swap the local medians for your actual number

Sources: Numbeo · UNODC · Ookla · WHO · EIU · World Bank · Freedom House · Updated April 2026

💰
Cost of Living
London
$413/mo cheaper on rent alone
🔒
Safety
London
1.1 homicides per 100k
🗳️
Democracy
London
8.3/10 EIU index
🗣️
English
San Francisco
higher proficiency score
📋
Residency
London
PR in 5 years

Sun

How much sky you actually get

42% clear
Win
Spr
Sum
Fall
Sky clear
avg daytime
66% clear
Win
Spr
Sum
Fall
7.8h
Shortest day
Dec
9.5h
16.6h
Longest day
Jun
14.8h

Sun clocks out before 5pm in both cities come December. Plan accordingly.

Source: WeatherSpark (clear-sky share of daytime hours)

Settler Essentials

stable
Democracy trend
stable
improving
Inflation trend
improving
fintechaibiotechcreative-tech
Industries
techaifintechbiotech
hub
Startup ecosystem
hub
Moderate
🇺🇸 Your visa
Easy
Moderate
EU visa
Moderate
Complex
RU visa
Suspended
Moderate
UA visa
Moderate
Partner can work immediately
Spouse works
⚠️ Partner work rights are very limited
Recognized (2+ yr)
unmarried partner / civil partnership
Partner pathway
Not recognized

Visa stamps:Easy <90 daysModerate 3–6 moComplex 6+ mo

Sources: EIU · Freedom House · Startup Genome · official immigration portals

Reproductive Rights

Because your body shouldn't need a visa too

Broad social grounds
Abortion access
On request
24 wk
Gestational limit
24 wk

Requires two doctors' approval under Abortion Act 1967, but broadly available up to 24 weeks.

Legal on request pre-viability under state constitution and statute.

Source: Center for Reproductive Rights

LGBTQ+ Rights

Can you hold hands without doing a risk assessment first

Legal
Marriage
Legal
Joint adoption
Adoption
Joint adoption
Yes
Job protection
Yes
Yes
Hate crime law
Yes

London vs San Francisco — Common Questions

Is London cheaper than San Francisco?

London is cheaper. A 1-bedroom apartment in city centre costs around $3000/month there vs $3413/month in the other city (Numbeo data).

Which is safer, London or San Francisco?

London is statistically safer based on UNODC homicide data. London has a rate of 1.07 per 100,000 and San Francisco has 4.40 per 100,000.

Should I move to London or San Francisco?

London edges ahead 61 to 56. San Francisco isn't far behind — it depends what matters to you. See the full comparison above for rent, safety, internet speed, climate, and democracy scores to decide which city fits your priorities.

Is it easier to get residency in London or San Francisco?

London: UK Skilled Worker Visa (complex process, Up to 5 years). San Francisco: US Employment-Based Green Card (complex process, Permanent residence). See each city's profile page for full requirements.

What's the cost of rent in London vs San Francisco?

A 1-bedroom in the centre: $3000/month in London, $3413/month in San Francisco (Numbeo). That's 12% cheaper rent in London.

Plot twist: other matchups exist

Maybe the real city was the comparisons we made along the way.

Let the algorithm judge you

2 min quiz — surprisingly accurate

Quiz →