Many people idealize living in San Francisco, CA, but there are good and bad qualities to life here. For example, while there's plenty of culture, there's also a higher cost of living.
As of 2024, there were 827,526 people in the area, according to the U.S. Census Bureau. As a retired senior, it's important to consider all the positive and negative aspects of urban retirement living. That many citizens means ample opportunity to socialize, but it's not the best situation for introverts.
Here's what you should know about San Francisco and other California retirement options.
San Francisco senior life is defined by access to unique features that only SF can offer. There's world-class healthcare, cultural institutions, and beautiful public spaces. Retirees can stroll along Crissy Field, visit the De Young Museum, or take part in community art programs in the Mission District.
For those who prefer intellectual or social stimulation, the city's universities, community centers, and libraries offer plenty of lectures and workshops. Lifelong learners can find programs that fit their needs.
The city's neighborhoods also provide distinct flavors for retirees to choose from. Pacific Heights offers quiet, upscale living with bay views. Noe Valley has a family-friendly, village-like atmosphere.
When weighing California retirement options, San Francisco is one of the highest-ranking options for quality of life, cultural opportunities, and healthcare access. City-based aging means close proximity to the nation's premier hospitals and dozens of clinics and specialists.
The city also boasts one of the most walkable layouts in the country. Many retirees appreciate the ability to run errands, visit friends, and enjoy parks without needing to drive. Public transit makes getting around both practical and sustainable.
Culture is where San Francisco shines. Retirees can explore everything from jazz clubs to food festivals. There's also the Walt Disney Family Museum for seniors who enjoy the parks.
Urban retirement living has its ups and downs, depending on each individual's personal preferences. While some seniors will enjoy the opportunities to socialize, others may prefer more secluded residences.
The benefits of life in the city include:
Inclusive and social awareness make San Francisco one of the most comfortable cities for all backgrounds and identities. Your history doesn't matter as long as you show love and acceptance for your neighbors.
San Francisco is also one of the few walkable cities in the country. While many areas almost require you to own a car to get around, you can easily get around this city without one.
Living in one of the most expensive cities in the U.S. is not without its faults. Some downsides include:
In general, senior retirement communities in San Francisco will cost more per month than in smaller towns. Don't be surprised if apartments and homes are also smaller when compared to suburban areas.
If you're against excess noise and traffic, then city life may not be for you.
Since San Francisco is one of the most expensive cities in the U.S., you may wonder what kind of budget you'd need to live there.
According to the current cost-of-living estimates, a single person may need around $90,000 or more to live comfortably in the city. This number will vary based on the community you live in, as well as whether you have long-term care insurance.
Proposition 13 helps to limit property tax increases, helping long-term homeowners stay in their houses despite rising real estate values. Retirees may also opt to rent out their property when they move into a retirement community for passive income.
Retirees who thrive in San Francisco often take a proactive approach to community involvement.
Joining senior centers, volunteering, and attending local events help build social networks. There are plenty of free or low-cost events in the city during the summer season, such as Opera in the Park and weekly Golden Gate Park band performances.
Moving into this area is well worth the cost as long as you take full advantage of what the city has to offer.
Yes, though options are limited. The city offers several subsidized senior housing complexes and nonprofit-managed units. Applicants often face waiting lists, but these options make living in San Francisco possible for those with lower fixed incomes.
San Francisco enjoys a mild, Mediterranean climate. Summers are cool and foggy, while winters are wet but rarely cold. The consistent temperatures make it comfortable year-round.
Like any large city, safety varies by neighborhood. Generally, areas like the Sunset District and West Portal are safe and senior-friendly.
Seniors can look up safety statistics online. The city also provides senior safety programs and easy access to emergency services.
Yes, it is. San Francisco's Muni system offers senior discounts, wheelchair accessibility, and easy transfers to regional BART and Caltrain lines.
There are also plenty of passenger transportation services, such as Uber and local taxis.
Those who can afford it will find living in San Francisco to be full of ample opportunities and accessibility for seniors. Comprehensive public transportation means seniors can get where they need to go with ease. The various diverse communities mean every resident can find a spot where they belong.
Sagebrook Senior Living at San Francisco is a pet-friendly community that provides both assisted living and memory care services. Each of our residents enjoys amenities ranging from outings into the city to dynamic events in the community. Contact us with any questions and to schedule a visit.