Software Developer · Salary Comparison · 2026
Software Developer Salary: San Francisco, CA vs Boston, MA
Side-by-side comparison of salary, taxes, cost of living, and take-home pay for Software Developers in San Francisco, CA and Boston, MA, based on BLS OEWS 2026 data.
1Which City Pays More After Tax?
Higher Gross Salary
✓ San Francisco, CA
$175,000 vs $155,000
Better Purchasing Power
✓ Boston, MA
$94,086 vs $95,679
Best Take-Home (COL-Adj)
✓ Boston, MA
$78,851 vs $83,987
2
Detailed Comparison
| Metric | San Francisco, CA | Boston, MA | Diff |
|---|---|---|---|
| Median Annual Salary | $175,000▲ | $155,000 | +$20,000 |
| 25th Percentile | $135,000▲ | $118,000 | +$17,000 |
| 75th Percentile | $225,000▲ | $200,000 | +$25,000 |
| 90th Percentile | $280,000▲ | $248,000 | +$32,000 |
| Cost of Living Index | 186 | 162 | +24 |
| State Income Tax | 9.3% | 5%▲ | +4.300000000000001% |
| COL-Adjusted Median | $94,086 | $95,679▲ | -$1,593 |
| Est. Annual Take-Home | $146,662▲ | $136,059 | +$10,603 |
| COL-Adj. Take-Home | $78,851 | $83,987▲ | -$5,136 |
| Total Employment | 52,000 | 42,000 | +10,000 |
▲ = Higher value wins for this metric. Diff = San Francisco, CA minus Boston, MA.
3Summary Analysis
On paper, San Francisco, CA pays $20,000 more (median: $175,000 vs $155,000). However, after adjusting for cost of living (index 186 vs 162), Boston, MA provides better purchasing power ($94,086 vs $95,679 equivalent). Boston, MA has the lower state tax rate (5% vs 9.3%).
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Data: U.S. Bureau of Labor Statistics OEWS · 2026 · Cost-of-living indices from composite metro area data. Take-home estimates approximate only — consult a tax professional for accurate figures.