Merced composite
44.0 /100
Grade C · weighted across 7 dims
Metro comparison
Merced vs San Francisco
Merced, CA and San Francisco-Oakland-Fremont, CA side by side, cost of living, rent, wages, crime, schools, childcare and environment, all from the same federal datasets so every number is directly comparable.
- 44.0
- Merced Life Score
- C
- Merced grade
- 39.6
- San Francisco Life Score
- D
- San Francisco grade
Head-to-head verdict
Across the seven dimensions, Merced scores higher on 4 (cost of living, rent, safety, childcare) and San Francisco on 3 (wages, schools, environment). The radar shows the full shape; the tables below break out every figure.
Where each metro wins, and by how much
Every dimension is a national percentile (0–100). Each bar leans toward the stronger metro, a long lean is a decisive edge, a near-even split is a toss-up. The radar shows the overall shape; this shows the per-dimension margins.
◖ Merced San Francisco ◗
cost of living
27
0
wages
71
100
rent
31
1
safety
12
10
schools
95
98
childcare
7
5
environment
75
78
Merced and San Francisco differ across eleven dimensions of livability. Merced has a cost-of-living index of 98.3 vs San Francisco's 115.6 (national average = 100). Median salaries are $68,749 in Merced and $95,708 in San Francisco. A 2-bedroom averages $1,503/mo vs $2,912/mo.
How to read this matchup
Reading the Merced vs San Francisco Comparison
Merced (CA) and San Francisco (CA) are assembled here from the same federal data pipeline, BEA Regional Price Parities, HUD Fair Market Rents, BLS Occupational Employment and Wage Statistics, FBI Uniform Crime Reports, NCES public-school counts, and EPA environmental indicators, so every number on this page is directly comparable. The overall cost index reads 98.3 for Merced against 115.6 for San Francisco, a 17.3-point gap on a scale where 100 equals the U.S. average. HUD's 2-bedroom Fair Market Rent, the figure used to set housing-choice voucher payment standards, is $1,503/mo in Merced and $2,912/mo in San Francisco, a $1,409/mo difference that compounds to $16,908 over a year.
On wages, BLS OES reports a median salary of $68,749 across 72,870 jobs in Merced against $95,708 across 2,339,300 jobs in San Francisco. Adjusted through the BEA cost-of-living lens, $100,000 earned in Merced carries the same local purchasing power as $117,642 in San Francisco - the most honest way to read the salary headline, because nominal wages and rents move together in tight metros. State-level violent crime, the most reliable geographic tier FBI UCR publishes, is 476.8 per 100,000 residents in CA vs 476.8 in CA, with property-crime rates of 1985.9 and 1985.9 respectively.
Schools are reported at the state tier by NCES: CA lists 10,006 public schools at a 21.5:1 student-teacher ratio, while CA lists 10,006 schools at 21.5:1, a signal of class-size staffing, though individual district and school-level variation within each state is substantial. Department of Labor center-based infant care runs $17,920/yr in the Merced area versus $17,920/yr in San Francisco - a line item that shifts the real cost-of-living picture for households with children under five far more than headline RPP does. When these pieces are read together rather than in isolation, Merced and San Francisco are not simply "cheaper" or "more expensive" - they trade across dimensions, and which metro wins depends on whether your household optimizes for rent, wages, schools, childcare, safety, or environment. Treat the tables below as inputs to that trade-off, not as a single ranking.
San Francisco composite
39.6 /100
Grade D · weighted across 7 dims
Cost-of-living gap
-17.3 pts
Merced vs San Francisco BEA RPP
2-bed rent delta
$1,409 /mo
San Francisco priced higher
Composite life score on the national 0–100 scale
Merced
Merced composite (Grade C)
San Francisco
San Francisco composite (Grade D)
Composite is a weighted roll-up of seven dimensions: cost (20%), wages (20%), rent (15%), safety (15%), schools (10%), childcare (10%), environment (10%). Each input normalized to a 0–100 percentile across all metros.
💰 Cost of Living BEA →
| Category | Merced | San Francisco |
|---|---|---|
| Overall RPP | 98.3 | 115.6 |
| Goods | 105.2 | 108.5 |
| Services | 158.3 | 172.6 |
| Rents | 78.6 | 194.7 |
Salary Equivalent Calculator
What salary in San Francisco gives the same purchasing power as your salary in Merced?
$
Equivalent in San Francisco:
$117,642
Based on BEA Regional Price Parities (Merced: 98.3, San Francisco: 115.6, national avg = 100).
🏠 Rent (Fair Market Rent) HUD →
| Bedrooms | Merced | San Francisco |
|---|---|---|
| Studio | $1,116/mo | $2,142/mo |
| 1 Bedroom | $1,213/mo | $2,385/mo |
| 2 Bedroom | $1,503/mo | $2,912/mo |
| 3 Bedroom | $2,067/mo | $3,724/mo |
| 4 Bedroom | $2,503/mo | $4,413/mo |
💼 Wages & Employment BLS →
| Metric | Merced | San Francisco |
|---|---|---|
| Avg Median Salary | $68,749 | $95,708 |
| Total Employment | 72,870 | 2,339,300 |
🛡️ Crime Rates (state-level) FBI →
| Crime Type (per 100K) | Merced (CA) | San Francisco (CA) |
|---|---|---|
| Violent Crime | 476.8 | 476.8 |
| Property Crime | 1985.9 | 1985.9 |
🎓 Schools (state-level) NCES →
| Metric | CA | CA |
|---|---|---|
| Total Schools | 10,006 | 10,006 |
| Student-Teacher Ratio | 21.5:1 | 21.5:1 |
| Charter Schools | 12.8% | 12.8% |
👶 Childcare Costs (Annual Avg) (state-level) DOL →
| Age Group | CA | CA |
|---|---|---|
| Infant (Center) | $17,920/yr | $17,920/yr |
| Toddler (Center) | $12,300/yr | $12,300/yr |
| Preschool (Center) | $11,385/yr | $11,385/yr |
🌿 Environment (state-level) EPA →
| Metric | CA | CA |
|---|---|---|
| EPA Facilities | 1,426 | 1,426 |
| Water Systems | 3,068 | 3,068 |
| Superfund Sites | 116 | 116 |
| Water Violations | 17,705 | 17,705 |
Government-verified data - Air quality (EPA AQS), water safety (EPA SDWIS), healthcare access (HRSA), and disaster risk (FEMA NRI) are sourced directly from U.S. federal agencies. No crowdsourced estimates.
💨 Air Quality (EPA AQS) EPA AQS →
| Metric | Merced | San Francisco |
|---|---|---|
| Median AQI | 50.0 | 21.0 |
| Good Air Days | 51.0% | 91.6% |
| Unhealthy Air Days | 0 days | 0 days |
💧 Water Safety (EPA SDWIS, state-level) EPA SDWIS →
| Metric | CA | CA |
|---|---|---|
| Water Safety Score | 14/100 | 14/100 |
| Total Violations | 153,308 | 153,308 |
| Health-Based Violations | 63,983 | 63,983 |
| Systems with Violations | 89.2% | 89.2% |
🏥 Healthcare Access (HRSA, state-level) HRSA →
| Metric | CA | CA |
|---|---|---|
| Healthcare Access Score | 41/100 | 41/100 |
| Population in Shortage Area | 58.6% | 58.6% |
| HPSA Designations | 1,623 | 1,623 |
HPSA = Health Professional Shortage Area, designated by HRSA. Higher access score = better healthcare availability.
⚠️ Natural Disaster Risk (FEMA NRI, state-level) FEMA NRI →
| Metric | CA | CA |
|---|---|---|
| Disaster Safety Score | 12/100 | 12/100 |
| NRI Risk Score (avg county) | 88.7 | 88.7 |
| Expected Annual Loss Score | 87.9 | 87.9 |
FEMA National Risk Index (NRI) scores are county-level percentiles (0–100). Higher disaster safety score = lower relative risk. State-level values are county averages.
Crime, schools, childcare, and environment data shown at state level. Metro-specific data for these dimensions is not available.
Frequently Asked Questions
Is Merced more expensive than San Francisco? ▼
Merced has a cost of living index of 98.3 compared to San Francisco's 115.6 (national average = 100). San Francisco is 17.3 points above Merced on the BEA Regional Price Parity scale.
What is the rent difference between Merced and San Francisco? ▼
A 2-bedroom apartment averages $1,503/mo in Merced vs $2,912/mo in San Francisco, based on HUD Fair Market Rent data. Studios range from $1,116/mo to $2,142/mo.
How do salaries compare between Merced and San Francisco? ▼
The average median salary across all occupations is $68,749 in Merced and $95,708 in San Francisco, according to BLS Occupational Employment and Wage Statistics. After adjusting for cost of living, $100,000 in Merced has the same purchasing power as $117,642 in San Francisco.
Is Merced or San Francisco safer? ▼
At the state level, CA has a violent crime rate of 476.8 per 100,000 residents compared to CA's 476.8 per 100,000. Property crime rates are 1985.9 vs 1985.9 per 100,000 respectively, based on FBI Uniform Crime Report data.
How do schools compare between Merced and San Francisco? ▼
CA has 10,006 public schools with an average student-teacher ratio of 21.5:1, while CA has 10,006 schools at 21.5:1. Charter schools make up 12.8% of CA schools vs 12.8% in CA. Data from the National Center for Education Statistics.
Where does the comparison data come from? ▼
All data comes from official U.S. government sources: Bureau of Economic Analysis (cost of living), HUD (fair market rents), BLS (wages), FBI UCR (crime), NCES (schools), Department of Labor (childcare), EPA (environment, air quality, water safety), HRSA (healthcare access), and FEMA NRI (disaster risk). No crowdsourced estimates or proprietary ratings are used.
Research Guides
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Data from BEA, HUD, FBI UCR, BLS OES, NCES, DOL, EPA AQS, EPA SDWIS, HRSA, and FEMA NRI. Not affiliated with the U.S. Government.
Disclaimer: This comparison is provided for informational purposes only and does not constitute financial, legal, or relocation advice. Consult a qualified professional before making decisions based on this data.
Related
Data sourced from official public datasets, current as of 2026. See our methodology for details. Retrieved and formatted by PlainCompare