Taxes in San Francisco, California
Complete tax guide for San Francisco, CA. State income tax up to 13.3%, 0.64% property tax, 8.63% sales tax. Calculate your total tax burden.
State Income Tax
13.3%
California
Property Tax
0.64%
Effective rate
Sales Tax
8.63%
Combined rate
Tax Burden
Very High
San Francisco, CA Tax Overview
Very high cost of living; city has gross receipts tax on businesses
Population
873,965
Median Income
$119,136
Cost of Living
245.1 (100 = avg)
State Income Tax
13.3%
Median Home Price
$1,350,000
San Francisco Tax Calculator
Pre-filled with San Francisco median: $119,136
Total Tax Burden in San Francisco
$42,799
Take-Home: $76,337 · Effective Rate: 35.92%
Federal Tax
$17,840
14.97% eff.
CA State
$15,845
13.30% eff.
FICA
$9,114
7.65% eff.
Take-Home
$76,337
64.08% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $119,136.00 | $9,928.00 |
| Federal Income Tax | -$17,839.64 | -$1,486.64 |
| California State Tax | -$15,845.09 | -$1,320.42 |
| Social Security (6.2%) | -$7,386.43 | -$615.54 |
| Medicare (1.45%) | -$1,727.47 | -$143.96 |
| Take-Home Pay | $76,337.37 | $6,361.45 |
Property Tax in San Francisco
Median Home
$1,350,000
Annual Tax
$8,640
Monthly Tax
$720
Effective Rate
0.64%
Sales Tax in San Francisco
Combined Rate
8.63%
State Portion
~6.1%
Local Portion
~2.5%
The combined sales tax rate in San Francisco is 8.63%, which is above the national average of 7.12%. On a $100 purchase, you would pay $8.63 in sales tax.
Tax Burden Comparison
| Tax Type | San Francisco | California Avg | National Avg |
|---|---|---|---|
| Income Tax | 13.3% | 13.3% | 4.6% |
| Property Tax | 0.64% | ~0.64% | 1.1% |
| Sales Tax | 8.63% | ~8.63% | 7.12% |
| Overall Burden | Very High | — | Moderate |
Tax Saving Tips for San Francisco Residents
- California's income tax rate of 13.3% is above average. Maximize pre-tax retirement contributions (401k up to $23,500, IRA up to $7,000) to reduce both federal and state taxable income.
- Property tax in San Francisco (0.64%) is below the national average of 1.1%. This makes homeownership more affordable here relative to property tax burden.
- The combined sales tax rate of 8.63% is relatively high. Consider making large purchases in lower-tax jurisdictions or online retailers that do not charge local tax rates.
- Use a Health Savings Account (HSA) if eligible. Contributions are tax-deductible ($4,300 individual, $8,550 family), growth is tax-free, and withdrawals for medical expenses are tax-free.
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Very HighCalculate Your Full California Tax Burden
See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Frequently Asked Questions
What are the tax rates in San Francisco, CA?
San Francisco, California has a state income tax rate up to 13.3%. The property tax rate is 0.64% and the combined sales tax rate is 8.63%. Very high cost of living; city has gross receipts tax on businesses
How much is property tax in San Francisco?
The effective property tax rate in San Francisco is 0.64%. On the median home price of $1,350,000, this equals approximately $8,640 per year or $720 per month. This is below the national average of 1.1%.
What is the sales tax rate in San Francisco?
The combined sales tax rate in San Francisco is 8.63%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does San Francisco's tax burden compare to other cities?
San Francisco has a very high overall tax burden. The effective total tax rate for a median-income household is approximately 38%. The combination of 13.3% state income tax, 0.64% property tax, and 8.63% sales tax determines the total burden. Cost of living index is 245.1 (100 = national average).
Are there any local taxes in San Francisco?
San Francisco does not impose a separate local or city income tax. Residents pay the state income tax of 13.3%, federal income tax, and FICA (Social Security and Medicare). Very high cost of living; city has gross receipts tax on businesses