✦ Compare
Lugano vs
San Francisco
Cost-of-living comparison and salary equivalence. Enter your current salary to see what you'd need to earn to live equally well.
Lugano, CH vs San Francisco, CA at a glance — San Francisco, CA is 20% cheaper than Lugano, CH overall. Median 1-bed rent runs about $3,300/mo versus $1,800/mo. Top income tax: 37% vs 40%.
To keep the same standard of living in San Francisco, CA, you'd need
$60,189 / year
San Francisco, CA is 20% cheaper overall
Category breakdown (San Francisco, CA vs Lugano, CH)
- Housing+9%
- Food & groceries-37%
- Transport-20%
- Utilities-29%
- Healthcare-34%
- Goods & services-37%
Median 1-bed rent
$1,800 /mo
Lugano, CH overview →
Median 1-bed rent
$3,300 /mo
San Francisco, CA overview →
◎ How Lugano, CH and San Francisco, CA compare
Index vs the US average — the line marks 100. Lower is cheaper.
▤ Full comparison
| Lugano, CH | San Francisco, CA | |
|---|---|---|
| Cost of living | ||
| Overall cost index | 147 | 118 |
| Housing | 160 | 174 |
| Food | 150 | 94 |
| Transport | 115 | 92 |
| Utilities | 122 | 87 |
| Healthcare | 140 | 92 |
| Goods & services | 155 | 98 |
| Housing | ||
| Rent, 1-bed centre | $1,800/mo | $3,300/mo |
| Rent, 1-bed outside | — | $2,500/mo |
| Rent, 3-bed centre | — | $6,500/mo |
| Buy price / m² centre | — | $14,000 |
| Money & purchasing power | ||
| $1,000 goes as far as | $679 | $846 |
| Inexpensive meal | — | $22 |
| Monthly transit pass | — | $98 |
| Taxes | ||
| Income tax (top rate) | 40% | 37% |
| VAT / sales tax | 8.1% | 0% |
| Social security (employee) | — | 7.7% |
| Corporate tax | 15% | 21% |
| Capital gains | 0% | 20% |
| Economy & salaries | ||
| Avg net salary | $6,000/mo | $4,300/mo |
| Avg annual wage (OECD, PPP) | — | $86,977✓ |
| Minimum wage | — | $1,257/mo✓ |
| GDP per capita | $114,769✓ | $90,027✓ |
| Inflation (annual) | 0.2%✓ | — |
| Work & digital nomad | ||
| Digital-nomad visa | No | No |
| English proficiency | — | Native |
| Coworking spaces | — | 150 |
| Time zone | — | UTC-8 |
| Quality of life | ||
| Quality of life (overall) | — | 70 |
| Safety index | — | 45 |
| Healthcare index | — | 80 |
| Pollution index | — | 40 |
| Internet speed | — | 220 Mbps |
| Walkability | — | 88 |
| Public transport | — | 80 |
| Family-friendly | — | 55 |
| Tap water | — | Safe to drink |
| Health insurance | — | $500/mo |
| Life expectancy | 84 yr✓ | 79 yr✓ |
| LGBTQ+ acceptance | High | High |
| Climate | ||
| January avg | — | +11 °C |
| July avg | — | +17 °C |
| Sunny days / year | — | 256 |
| Rainfall / year | — | 600 mm |
| Connectivity | ||
| Flight to nearest hub | — | 1 h |
Taxes & Economy & salaries: Switzerland vs United States. Estimates use approximate cost-of-living indices (US average = 100) and are for general guidance only.
✓ = official statistics (OECD (PPP), US DOL (federal), World Bank 2025, World Bank 2024). Unmarked figures are CostTrek estimates. How we calculate these figures →
Cost of living: Lugano vs San Francisco — in your currency
Converted from USD at approximate rates (2026-09).
Good to know before you move to Lugano
- Currency
- Swiss franc (Fr. CHF)
- Languages
- German, French, Italian
- Power
- J · 230V
- Driving
- Right-hand side
Good to know before you move to San Francisco
Tech's global capital — the highest salaries in the US, and rents to match, wrapped in fog and hills.
- Currency
- US dollar ($ USD)
- Languages
- English
- Time zone
- UTC-8
- Internet
- 220 Mbps
- English
- Native language
- Safety
- 45/100
- Climate
- ❄ 11°C · ☀ 17°C · 256 sunny days/yr
- Tap water
- Safe to drink
- Power
- A/B · 120V
- Driving
- Right-hand side
- Popular areas
- Mission · SoMa · Hayes Valley
Plan your move to Lugano
Everything you will book for the move — sorted, and updated as we add partners.
- FlightsAviasales
- HotelsPlanetofhotels
- Car rentalDiscoverCars
- Airport transferKiwitaxi
- Tours & ticketsKlook
- eSIM / dataAiralo
- Luggage storageRadical Storage
Sponsored
Plan your move to San Francisco
Everything you will book for the move — sorted, and updated as we add partners.
- FlightsAviasales
- FlightsCheapOAir
- HotelsPlanetofhotels
- Car rentalDiscoverCars
- Airport transferKiwitaxi
- Tours & ticketsKlook
- eSIM / dataAiralo
- Luggage storageRadical Storage
- Parking & carWay.com
Sponsored
? Frequently asked questions
Moving from Lugano to San Francisco: cheaper or more expensive?
Moving from Lugano to San Francisco, your cost of living will be roughly 20% cheaper. San Francisco’s cost-of-living index is 118 versus 147 for Lugano (US = 100). Use the salary tool above to see the income you’d need to keep the same lifestyle.
Is Lugano cheaper than San Francisco?
San Francisco is about 20% cheaper than Lugano overall — its cost-of-living index is 118 versus 147 for Lugano.
Which is more expensive, Lugano or San Francisco?
Lugano is more expensive than San Francisco. Its cost-of-living index is 147 vs 118 (US = 100) — about 25% higher.
Is rent cheaper in Lugano or San Francisco?
Rent is cheaper in Lugano — about $1,800/month for a one-bedroom in the city centre, vs $3,300 in San Francisco.
How much do you need to earn in San Francisco to live like in Lugano?
To keep the same standard of living, a $75,000 salary in Lugano is worth about $60,189 in San Francisco. Enter your own figure in the calculator above.
Which has lower taxes, Lugano or San Francisco?
United States has the lower top income-tax rate — 37% versus 40% in Switzerland.
◷ More comparisons from Lugano
How we calculate these figures →
Estimates use approximate cost-of-living indices (US average = 100) and are for general guidance only.