City comparison
San Francisco vs Toronto salary
Planning a move between San Francisco and Toronto? This 2026 page compares mid-level software engineer pay using our static country model plus city salary and cost-of-living multipliers—not live offers or city-level payroll data. On buying power, Toronto leads by about $21,295 in our heuristic.
Figures use Toolminator's static salary model (ranges for comparison, not job listings). Methodology & limitations.
| City | Country | City-adjusted mid gross | USD approx. | Effective CoL× | Buying power (US-equiv.) |
|---|---|---|---|---|---|
| San Francisco | United States | $172,125 | $172,125 | 1.45 | $118,707 |
| Toronto | Canada | CA$202,106 | $144,258 | 1.03 | $140,002 |
Nominal mid-level pay is about 19% higher in San Francisco than Toronto in our city-adjusted model ($27,867 USD gap).
After our static cost-of-living heuristic, Toronto leads on buying power by roughly 18% ($21,295 US-equivalent).
City multipliers adjust country-level bands—they are planning anchors, not verified city payroll filings.
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