Benchmarks · Income · 22–25 · SF

Income for people aged 22–25 in San Francisco

Gross annual income from salary, bonus and other regular deposits.

Modeled estimate · federal survey data

Median

$82K

Upper quarter

$111K

Top 10%

$160K

Half of people aged 22–25 in San Francisco have a annual income above $81,792. Reaching the upper quarter takes about $110,664, and the top 10% starts at $160,164 — roughly 2.0× the median. The lower quarter sits below $60,432, and the bottom 10% is under $46,296.

The full distribution

Percentile	Income	What it means
Bottom 10%	$46,296	9 in 10 are above this
Lower quarter	$60,432	25th percentile
Median	$81,792	half above, half below
Upper quarter	$110,664	75th percentile
Top 10%	$160,164	only 1 in 10 is above this
Average (mean)	$89,976	pulled up by the top end — the median is the better "typical"

Where do you stand?

Connect your accounts and Keeping Up shows your exact percentile against people aged 22–25 in San Francisco — plus savings rate, spending by category and net worth over time. Read-only bank access via Plaid; your numbers are never shown to anyone.

See where you stand →Free to start · no card required

Income by age in San Francisco

Age	Lower quarter	Median income	Upper quarter	Top 10%
22–25	$60K	$82K	$111K	$160K
26–29 →	$84K	$116K	$159K	$240K
30–33 →	$101K	$145K	$208K	$320K
34–37 →	$114K	$167K	$242K	$374K
38–41 →	$124K	$184K	$268K	$427K
42–45 →	$131K	$196K	$285K	$463K
46–50 →	$134K	$204K	$303K	$498K
50 and over →	$128K	$191K	$291K	$480K

Income at 22–25 by city

Metro	Lower quarter	Median income	Upper quarter	Top 10%
New York City →	$55K	$74K	$99K	$143K
San Francisco	$60K	$82K	$111K	$160K
Los Angeles →	$51K	$68K	$91K	$130K
Chicago →	$46K	$62K	$83K	$118K
Boston →	$50K	$67K	$90K	$128K
Washington, DC →	$51K	$68K	$91K	$130K
Seattle →	$53K	$71K	$96K	$138K
Austin →	$47K	$63K	$85K	$120K

More for people aged 22–25 in San Francisco

Net worth →Retirement savings →Investments →Savings rate →Monthly spending →

Common questions

What is the median annual income for people aged 22–25 in San Francisco?

The median annual income for people aged 22–25 in San Francisco is $81,792. Half of this group is above that figure and half below.

What annual income puts you in the top 10% of people aged 22–25 in San Francisco?

About $160,164. The 90th percentile is the level only one in ten people in this group exceeds — roughly 2.0× the median.

Where do these numbers come from?

They are modeled percentile distributions fitted to this cohort from federal survey microdata — the Federal Reserve's Survey of Consumer Finances, the BLS Consumer Expenditure Survey, Census ACS and BLS wage data — and they blend toward anonymized, aggregated data from Keeping Up members as each cohort grows. Full methodology at keepingup.com/methodology.

How this is built. Percentiles are modeled for this cohort from federal survey microdata — Federal Reserve Survey of Consumer Finances, BLS Consumer Expenditure Survey, Census American Community Survey and BLS Occupational Employment & Wage Statistics — with metro cost-of-living and wage adjustments. As Keeping Up members in this cohort grow, the band blends toward anonymized, aggregated live data (minimum cohort sizes apply; no individual is ever identifiable). Amounts are in current dollars. Read the full methodology.

Last updated June 2026. Cohort: people aged 22–25 in San Francisco. Model sample basis: 120.