Benchmarks · Income · 42–45 · SF

Income for people aged 42–45 in San Francisco

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

Modeled estimate · federal survey data
Median
$196K
Upper quarter
$285K
Top 10%
$463K

Half of people aged 42–45 in San Francisco have a annual income above $195,960. Reaching the upper quarter takes about $285,312, and the top 10% starts at $462,696 — roughly 2.4× the median. The lower quarter sits below $130,944, and the bottom 10% is under $90,948.

The full distribution

PercentileIncomeWhat it means
Bottom 10%$90,9489 in 10 are above this
Lower quarter$130,94425th percentile
Median$195,960half above, half below
Upper quarter$285,31275th percentile
Top 10%$462,696only 1 in 10 is above this
Average (mean)$215,556pulled 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 42–45 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.

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Income by age in San Francisco

AgeLower quarterMedian incomeUpper quarterTop 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 42–45 by city

MetroLower quarterMedian incomeUpper quarterTop 10%
New York City →$119K$177K$256K$412K
San Francisco$131K$196K$285K$463K
Los Angeles →$110K$163K$235K$377K
Chicago →$101K$149K$215K$341K
Boston →$108K$160K$231K$369K
Washington, DC →$110K$163K$235K$377K
Seattle →$115K$171K$248K$398K
Austin →$102K$152K$219K$348K

More for people aged 42–45 in San Francisco

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

Common questions

What is the median annual income for people aged 42–45 in San Francisco?
The median annual income for people aged 42–45 in San Francisco is $195,960. Half of this group is above that figure and half below.
What annual income puts you in the top 10% of people aged 42–45 in San Francisco?
About $462,696. The 90th percentile is the level only one in ten people in this group exceeds — roughly 2.4× 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 42–45 in San Francisco. Model sample basis: 120.