Limavs
San FranciscoLima vs San Francisco: cost, size & quality of life compared
Trying to decide between Lima and San Francisco? Here's the honest bottom line first — then the full, sourced breakdown on cost of living, salary, safety and quality of life.
Lima comes out ahead overall — by a clear margin.
But the "winner" depends on what you care about. Here's who takes each dimension:
LimaLimaSan FranciscoSan FranciscoComposite scores
Overall: Lima wins by 1.2 points
Population & size
Is Lima bigger than San Francisco?
Lima is the bigger city: about 9.6M people versus San Francisco's 873k — roughly 11× larger.
City-proper / metro population estimates. Size is one input — scroll on for cost of living, salary equivalence and quality-of-life scoring.
Distance
How far is Lima from San Francisco?
Lima is about 7,280 km (4,520 mi) from San Francisco in a straight line — roughly 9 h 20 m of nonstop flight time.
Great-circle distance, not a routed itinerary; flight estimate assumes ~850 km/h cruise plus 45 minutes of taxi, climb and descent.
Climate
Is Lima warmer than San Francisco?
Lima is the warmer city: January highs average 27°C vs 14°C, and July 19°C vs 21°C. San Francisco gets noticeably more sun — about 1,730 more sunshine hours per year.
| Month | Lima | San Francisco |
|---|---|---|
| January (high / low) | 27° / 19°C | 14° / 8°C |
| July (high / low) | 19° / 14°C | 21° / 13°C |
Desert coast with a twist — almost zero rain ever, but May-Nov brings the garúa: persistent gray overcast and drizzle-mist. Summers (Dec-Mar) are sunny and warm.
Famously mild and foggy. Almost no extremes — summers are cool (rarely above 25°C), winters mild and wet. Microclimates within the city vary wildly.
Lima edges out San Francisco on the Mundevo composite, 5.6 to 4.4 out of 10 — a decisive 1.2-point margin across safety, healthcare, air quality and cost.
A 1.2-point composite gap is large enough that the result holds across most reasonable axis re-weightings. Still worth scanning the per-axis breakdown if you have a non-default priority (e.g. air quality matters more to you than the default 25% weight).
Run the salary calculator for both cities at your target lifestyle before deciding — Lima winning on quality doesn't mean the gross-salary requirement also lands in your favor. If you're on a balanced tier, the cost-of-living pages for each city carry the full monthly basket and the gross-salary figure.
Data signals
What separates Lima and San Francisco
How decisive
Lima comes out ahead by 1.2 composite points — a clear edge.
Biggest difference
The widest gap is affordability, where Lima leads by 7.2 points.
Where they match
They're most evenly matched on healthcare — within 0.6 points of each other.
Overall cost gap
Total monthly costs in San Francisco run about 408% higher than in Lima.
Where budgets split most
Healthcare is the line item that diverges most: roughly 641% pricier in San Francisco than Lima.
Size difference
Lima is the larger metro — about 11.0× the population of the other, which shapes commute times, housing supply and how "big-city" daily life feels.
Home internet
San Francisco has the faster typical broadband (280 vs 80 Mbps median) — worth weighing if you work remotely or move large files.
Safety
San Francisco scores higher on safety (45 vs 30 / 100) — a common deciding factor for families.
Score-by-score, side-by-side
Each axis is scored independently with disclosed weights and a calculation string.
The exact scores and winners:
| Axis | Lima | San Francisco | Winner |
|---|---|---|---|
| Affordability | 7.2 | 0.0 | Lima +7.2 |
| Quality of life | 4.2 | 6.0 | San Francisco +1.8 |
| Remote-work friendliness | 5.4 | 6.7 | San Francisco +1.3 |
| Healthcare | 5.6 | 5.0 | Lima +0.6 |
Each axis is a weighted aggregate of underlying indicators normalized to a 0–10 scale. Weights are explicit and disclosed per axis. The composite is the unweighted mean of the four axes — axes are not collapsed further because the underlying trade-offs (e.g. low cost vs poor air quality) are user-dependent.
Affordability
- Cost-of-living index (weight 60%)36
- Rent index (weight 40%)16
How this is calculated
Affordability = ((100 − costIndex)/100 × 0.6 + (100 − rentIndex)/100 × 0.4) × 10. For Lima: ((100 − 36)/100 × 0.6 + (100 − 16)/100 × 0.4) × 10 = 7.2.
Lima sits well below the New York baseline on both cost-of-living and rent. Budgets stretch further here than in benchmark Tier-1 cities.
Quality of life
- Safety index (weight 40%)30
- Healthcare index (weight 35%)58
- Air quality index (weight 25%)40
How this is calculated
QoL = (safety/100 × 0.4 + healthcare/100 × 0.35 + airQuality/100 × 0.25) × 10. For Lima: (30/100 × 0.4 + 58/100 × 0.35 + 40/100 × 0.25) × 10 = 4.2.
Lima has a mixed quality profile. Safety: fair; healthcare: good; air: fair. Weigh the weakest axis against your personal priorities.
Remote-work friendliness
- Internet (median Mbps) (weight 45%)80 Mbps
- Effective income tax (lower = better) (weight 30%)12.0%
- Cost-of-living (lower = better) (weight 25%)36
How this is calculated
RemoteWork = (min(Mbps/300, 1) × 0.45 + (1 − incomeTax) × 0.3 + (100 − costIndex)/100 × 0.25) × 10. For Lima: (min(80/300, 1) × 0.45 + (1 − 0.12) × 0.3 + (100 − 36)/100 × 0.25) × 10 = 5.4.
Lima works for remote work but isn't optimized for it: internet 80 Mbps, income tax 12%, cost index 36.
Healthcare
- Healthcare quality index (weight 70%)58
- Healthcare out-of-pocket / month (lower = better) (weight 30%)250
How this is calculated
Healthcare = (qualityIndex/100 × 0.7 + max(0, 1 − OOP/500) × 0.3) × 10. For Lima: (58/100 × 0.7 + max(0, 1 − 250/500) × 0.3) × 10 = 5.6.
Lima has trade-offs in healthcare: quality is good, typical out-of-pocket cost is ~250 PEN/month. Cross-border insurance closes the gap.
Each axis is a weighted aggregate of underlying indicators normalized to a 0–10 scale. Weights are explicit and disclosed per axis. The composite is the unweighted mean of the four axes — axes are not collapsed further because the underlying trade-offs (e.g. low cost vs poor air quality) are user-dependent.
Affordability
- Cost-of-living index (weight 60%)120
- Rent index (weight 40%)115
How this is calculated
Affordability = ((100 − costIndex)/100 × 0.6 + (100 − rentIndex)/100 × 0.4) × 10. For San Francisco: ((100 − 120)/100 × 0.6 + (100 − 115)/100 × 0.4) × 10 = 0.
San Francisco is among the more expensive cities tracked. Salary expectations should be calibrated to the high cost base before relocating.
Quality of life
- Safety index (weight 40%)45
- Healthcare index (weight 35%)72
- Air quality index (weight 25%)68
How this is calculated
QoL = (safety/100 × 0.4 + healthcare/100 × 0.35 + airQuality/100 × 0.25) × 10. For San Francisco: (45/100 × 0.4 + 72/100 × 0.35 + 68/100 × 0.25) × 10 = 6.
San Francisco has a mixed quality profile. Safety: fair; healthcare: good; air: good. Weigh the weakest axis against your personal priorities.
Remote-work friendliness
- Internet (median Mbps) (weight 45%)280 Mbps
- Effective income tax (lower = better) (weight 30%)17.0%
- Cost-of-living (lower = better) (weight 25%)120
How this is calculated
RemoteWork = (min(Mbps/300, 1) × 0.45 + (1 − incomeTax) × 0.3 + (100 − costIndex)/100 × 0.25) × 10. For San Francisco: (min(280/300, 1) × 0.45 + (1 − 0.17) × 0.3 + (100 − 120)/100 × 0.25) × 10 = 6.7.
San Francisco works for remote work but isn't optimized for it: internet 280 Mbps, income tax 17%, cost index 120.
Healthcare
- Healthcare quality index (weight 70%)72
- Healthcare out-of-pocket / month (lower = better) (weight 30%)500
How this is calculated
Healthcare = (qualityIndex/100 × 0.7 + max(0, 1 − OOP/500) × 0.3) × 10. For San Francisco: (72/100 × 0.7 + max(0, 1 − 500/500) × 0.3) × 10 = 5.
San Francisco has trade-offs in healthcare: quality is good, typical out-of-pocket cost is ~500 USD/month. Cross-border insurance closes the gap.
Monthly cost delta: Lima vs San Francisco
Normalized to PEN at 1 USD = 3.7037 PEN.
| Category | Lima | San Francisco | Change |
|---|---|---|---|
| housing | PEN 1,800 | $3,500 | +620% |
| food | PEN 850 | $700 | +205% |
| transport | PEN 120 | $80 | +147% |
| utilities | PEN 320 | $200 | +131% |
| leisure | PEN 800 | $700 | +224% |
| healthcare | PEN 250 | $500 | +641% |
Where each city's money goes
Two cities can have the same monthly total but very different shapes — one might burn 50% on housing while the other splits more evenly. The composition matters as much as the headline.
The biggest shape difference is housing: San Francisco spends 18.1 percentage points more of its budget on it (62% vs. 43%). If you're sensitive to that category, weight the per-axis scores accordingly.
Buying property
Apartment prices: Lima vs San Francisco
Approximate asking prices in EUR per square meter (as of 2025-01), central vs mid-distance neighborhoods.
Buying in central Lima runs about 79% cheaper per square meter (€2,700/m² vs €13,000/m²).
Midpoints of public listing ranges — a scoping number for rent-vs-buy thinking, not a valuation. Renting comparisons live in the cost table above.
Getting around
Public transport: Lima vs San Francisco
Monthly pass and casual-ride pricing in EUR (as of 2025-01) plus the modes each network runs.
No monthly pass — Metropolitano BRT troncal rides at S/3.20 (figure reflects ~40 rides); Line 1 metro is a separate card. Most cross-town trips still mean combis or e-hailing.
Single ride: €0.8 · Modes: Bus, Metro
Muni pass + BART; one of the few cities where the cable cars are still everyday transit, not just tourist rides.
Single ride: €2.8 · Modes: Metro, Tram, Bus, Commuter rail, Ferry, Cable car
Salary equivalence: Lima ↔ San Francisco
What earning the same purchasing power costs in each city. Cost-adjusted using the local cost-of-living index (Lima = 36, San Francisco = 120); currency-converted at 1 USD = 3.7037 PEN. Tax differences are not modeled.
| Lima gross | San Francisco equivalent |
|---|---|
| PEN 40,000 | $36,000 |
| PEN 75,000 | $67,500 |
| PEN 120,000 | $108,000 |
| San Francisco gross | Lima equivalent |
|---|---|
| $40,000 | PEN 44,444 |
| $75,000 | PEN 83,333 |
| $120,000 | PEN 133,333 |
Equivalence here means same cost-of-living purchasing power, not same net take-home. Effective tax rates differ between countries; a salary equivalent on cost can still net more or less depending on the destination's tax regime. Use the calculator for tax-adjusted figures at a specific lifestyle tier.
Pros and cons
Why pick Lima
- Wins on affordability (+7.2 points vs San Francisco).
- Wins on healthcare (+0.6 points vs San Francisco).
Why pick San Francisco
- Wins on quality of life (+1.8 points vs Lima).
- Wins on remote-work friendliness (+1.3 points vs Lima).
Lima trade-offs
- Trails San Francisco on quality of life by 1.8 points.
- Trails San Francisco on remote-work friendliness by 1.3 points.
San Francisco trade-offs
- Trails Lima on affordability by 7.2 points.
- Trails Lima on healthcare by 0.6 points.
Remote work logistics
Time zones and language: Lima vs San Francisco
Lima (America/Lima) and San Francisco (America/Los_Angeles) sit 3 hours apart in standard time. A 9-to-5 in one overlaps the other's for 5 hours a day. Note: San Francisco observes daylight saving while Lima doesn't, so the gap shifts by an hour part of the year.
Official: Spanish · English: Limited · Local language: Recommended
Spanish is the daily language; Lima's accent is clear and learner-friendly. English usable in Miraflores/San Isidro corporate and tourist circuits, limited beyond.
Official: English · English: Native-equivalent · Local language: Not needed
English-native. Significant Spanish and Mandarin presence in specific neighborhoods (Mission, Chinatown). English universal.
Who should choose which
The composite winner doesn't always match what matters to you. These four reader profiles weigh the axes differently — find the closest fit.
Single, salaried remote worker, 25-40, optimizing for runway + bandwidth.
Axes scored: affordability, remoteWork
Couple with school-age children, prioritizing safety, healthcare, and air quality.
Axes scored: qualityOfLife, healthcare
Fixed income, healthcare-sensitive, prefers low cost and stable infrastructure.
Axes scored: healthcare, qualityOfLife, affordability
Salary stretch matters most. Cuts everything else if it lowers the burn rate.
Axes scored: affordability
Profiles use simple axis averaging — for a deeper read with your own weights, use the per-axis breakdown above.
Going deeper
Visa landscape for both countries — and case studies that touch this corridor.
Tools that work for either choice
Some links below are affiliate links — if you sign up we may earn a small commission, at no extra cost to you.
How this page is calculated
Data sources
- Mundevo per-city dataset. Cost basket, rent index, safety, healthcare, air quality and median internet for both cities. Reference date: 2026-06-10 (Lima) and 2026-05-28 (San Francisco).
- FX rate. 1 USD = 3.7037 PEN, used to normalize cost baskets.
- CityScoreCalculator. Four axes (Affordability, Quality of life, Remote work, Healthcare) computed with explicit weights and explanations. See per-axis calculation strings rendered on this page.
- ComparisonService. Per-category cost deltas (housing, food, transport, utilities, leisure, healthcare) normalized to the origin currency.
Update cadence
Data as of . Last reviewed .
Calculation
For each of the four axes we compute an independent 0–10 score using the formulas printed beside each axis. The composite is the unweighted mean of the four axes. The overall winner is the city with the higher composite, unless the margin is under 0.05 points — in which case Lima is shown first as a tiebreaker to keep results stable.
Limitations
- Climate is not scored — we don't yet hold a maintained climate dataset, so weather-driven preferences are not modeled.
- Tax differences between cities in the same country are not modeled (Spain and Germany don't have material regional differences for this dataset).
- Indices are population-level. Personal cost varies with neighborhood, employer benefits and family status.
- Quality-of-life axis weights (safety 0.4 / healthcare 0.35 / air 0.25) are editorial defaults — readers with strong preferences should re-weight manually.
Frequently asked questions
Lima vs San Francisco: which is cheaper?
Lima is roughly 408% cheaper than San Francisco on the monthly cost basket (housing, food, transport, utilities, healthcare). Lima has cost index 36 vs San Francisco at 120 (both with New York = 100).
Which city has better quality of life?
Lima scores 5.6/10 on the Mundevo composite versus San Francisco at 4.4/10. The composite weights safety (40%), healthcare (35%) and air quality (25%). Lima wins overall by 1.2 points.
Is Lima or San Francisco better for remote work?
Lima has 80 Mbps median internet vs San Francisco at 280 Mbps. The four-axis decision rubric on this page (affordability, quality of life, remote work, healthcare) gives a per-dimension breakdown rather than a single answer.
Is Lima bigger than San Francisco?
Lima is larger — about 9.6M people versus San Francisco's 873k, roughly 11.0× the size.
Is Lima safer than San Francisco?
San Francisco scores higher on safety — 45 vs 30 / 100 on the Mundevo safety index (crime and personal-security signals).
Should I move to Lima or San Francisco?
It depends on what you weight. Lima wins the overall Mundevo composite by 1.2 points, but Lima is cheaper, and the two split differently across affordability, quality of life, remote work and healthcare. Use the per-axis table and the reader-profile section above to match the verdict to your own priorities.