Home A
Live in Concord
$3,727/ month
- Housing
- $2,500
- Commute cost
- $447
- Value of commute time
- $780
- Commute time
- 31.2 hr/mo
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Concord to San Francisco: is cheaper housing worth the commute?
See whether the housing savings in Concord are enough to make up for the cost and time of commuting to San Francisco.
Home ADriving commute
Fine-tune commute costs
Use these if you want a more detailed estimate for fuel, wear, tolls or parking.
Home BDriving commute
Fine-tune commute costs
Use these if you want a more detailed estimate for fuel, wear, tolls or parking.
Optional time value
How much should commute time count in your comparison?
Give an hour of your personal time a dollar value if you want time to affect the result. Set this to $0 if you only want to compare housing and out-of-pocket commute costs.
Show effective hourly pay
Salary is only used for the optional effective-hourly-pay number in the comparison below. It does not change the main monthly-cost result.
Your comparison
Live closer to San Francisco is the lower-cost choice in this comparison.
Based on the numbers above, it comes out about $111 lower per month after housing, commute costs and the value you placed on commute time.
Difference per month$111
About per year$1,330
Commute time difference250 hr/yr
Home BLower calculated cost
Live closer to San Francisco
$3,617/ month
- Housing
- $3,250
- Commute cost
- $107
- Value of commute time
- $260
- Commute time
- 10.4 hr/mo
The shorter bar represents the lower calculated monthly cost.
Where the money goes
What is making the difference?
Housing and commute expenses are money you pay. The time value is different: it is the value you chose to place on time spent commuting, not an extra bill.
Monthly comparisonLive in ConcordLive closer to San Francisco
Housing$2,500/mo$3,250/mo
Commute cost$447/mo$107/mo
Commute time31.2 hr/mo10.4 hr/mo
Value of commute time$780/mo$260/mo
Total used for comparison$3,727$3,617
Effective hourly pay$32/hr$38/hr
A few useful takeaways
Three numbers that help explain the tradeoff.
Roughly how much more the lower-commute home could cost each month before its commute advantage is used up, based on your assumptions.
That is about 31.2 eight-hour days of time over a year.
The monthly housing gap before any commute costs or commute time are added.
This is an educational estimate, not financial advice. Traffic, fares, fuel prices, vehicle costs and schedules can change, so double-check the numbers that matter before making a major decision.
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Start with a normal commute, not the best-case trip
Use a travel time that feels typical for the days you would actually commute. Add bridge or express-lane tolls, station or employer parking, and the real number of office days in your schedule.
What the housing break-even number means
It estimates how much more the shorter-commute home could cost each month before its commute advantage is used up. It does not put a price on things like space, schools, family needs, neighborhood preference, or the hassle and cost of moving.
Hybrid work can change the answer quickly
A long commute once a week is a very different tradeoff from making that same trip five days a week. Change the commute-days field to match the schedule you actually expect to have.