ESL Teacher Salary in US 2025 | Statistics & Facts

ESL Teacher Salary

ESL Teacher Salary in America 2025

The landscape of ESL teacher salaries in the United States continues to evolve as the demand for English language instruction remains critical across various educational settings. From adult education centers to public school systems, ESL teachers play an indispensable role in helping non-native English speakers develop language proficiency and integrate into American society. Understanding the financial compensation these educators receive provides valuable insights for both aspiring teachers and educational institutions planning their workforce budgets.

According to the most recent verified data from the U.S. Bureau of Labor Statistics (BLS) published in May 2024, adult basic and secondary education and ESL teachers earned a median annual wage of $59,950, positioning them slightly above the national median wage for all occupations. The profession encompasses diverse work environments including community colleges, community-based organizations, public schools, and private language institutions. With approximately 40,900 jobs held by these educators nationwide, the field represents a significant segment of the education workforce, though employment projections indicate shifting dynamics in the coming decade.

Interesting Facts About ESL Teacher Salaries in the US

Fact Category Details
Median Annual Salary $59,950 (May 2024 BLS data)
Median Hourly Wage $28.82 per hour
Total Employment 40,900 jobs nationwide (2024)
Lowest 10% Earnings Less than $39,750 annually
Highest 10% Earnings More than $95,750 annually
National Wage Comparison 21% higher than median wage for all occupations ($49,500)
Job Openings (Annual) Approximately 3,900 openings projected per year through 2034
Employment Growth Projection -14% decline from 2024 to 2034
Highest Paying State California ($97,000 average annually)
Part-Time Work Common – Many positions are not full-time

Data Source: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2024

Understanding ESL Teacher Compensation in the US

The salary structure for ESL teachers reveals significant variations based on multiple factors including geographic location, educational setting, and experience level. The median annual wage of $59,950 represents the midpoint where half of all ESL teachers earn more and half earn less, providing a realistic benchmark for professionals entering or currently working in the field. This figure demonstrates that ESL teaching can offer competitive compensation, particularly when compared to the national median wage across all professions.

The earning potential spans a considerable range, with the lowest 10 percent earning less than $39,750 while the highest 10 percent surpass $95,750 annually. This $56,000 difference between the bottom and top earners reflects the impact of factors such as advanced degrees, specialized certifications, years of experience, and employment in higher-paying regions or institutions. Teachers working in community colleges typically earn at the higher end of the spectrum compared to those in community-based organizations. The median hourly wage of $28.82 is particularly relevant for the many ESL teachers who work part-time schedules, as classes are frequently held during morning and evening hours when adult students are available outside their regular work commitments.

ESL Teacher Employment Statistics in the US 2025

Employment Metric Value
Total Jobs 40,900 positions
Community Colleges 33% of employment
Local Government (Public Schools) 25% of employment
Elementary and Secondary Schools (Private) 22% of employment
Junior Colleges (State Government) 10% of employment
Grantmaking and Social Advocacy Organizations 3% of employment
Average Annual Job Openings 3,900 openings per year
Employment Change 2024-2034 -5,700 jobs (14% decline)
Work Schedule Part-time common – Classes during mornings and evenings

Data Source: U.S. Bureau of Labor Statistics, Occupational Outlook Handbook, May 2024

The employment landscape for ESL teachers demonstrates a concentrated distribution across specific educational sectors. Community colleges emerge as the primary employer, accounting for approximately 33 percent of all positions, which correlates with their role in providing accessible adult education programs to diverse communities. These institutions typically offer structured ESL programs that prepare students for academic coursework or workforce entry. Public schools, represented by local government employment, comprise roughly 25 percent of positions, where ESL teachers work with adult learners seeking high school equivalency credentials.

Private elementary and secondary schools contribute 22 percent of employment opportunities, often serving immigrant populations and international students. The data reveals that despite approximately 3,900 annual job openings projected through 2034, these positions primarily arise from replacement needs as teachers retire or transition to other careers rather than from employment growth. The projected 14 percent employment decline reflects broader trends including reduced enrollment in adult education programs and increased high school graduation rates, which decrease the number of adults seeking equivalency credentials. However, this decline should be contextualized: the consistent annual openings indicate ongoing opportunities for qualified educators, particularly those willing to accept part-time positions or work non-traditional hours when students are available.

ESL Teacher Salary by Industry in the US 2025

Industry Sector Median Annual Wage
Junior Colleges (State Government) $66,060
Community Colleges $63,520
Local Government (Public Schools) $59,280
Elementary and Secondary Schools (Private) $47,950
Overall Median $59,950

Data Source: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2024

Industry-specific salary data reveals substantial compensation differences depending on the employment sector. Junior colleges operated by state governments offer the highest median wages at $66,060, representing approximately 10 percent more than the overall occupation median. This premium likely reflects the benefits packages, job security, and structured pay scales associated with state government employment. Community colleges follow closely with median wages of $63,520, demonstrating their competitive positioning in attracting qualified ESL instructors.

Public schools funded by local government provide median wages of $59,280, slightly below the overall median but generally offering comprehensive benefits including health insurance, retirement plans, and tenure opportunities after probationary periods. The most notable salary gap appears in private elementary and secondary schools, where the median wage of $47,950 falls approximately 20 percent below the occupation average. This disparity may reflect different funding structures, fewer unionized positions, and varying benefit packages in private institutions. Teachers evaluating employment opportunities should consider not only base salary but also the total compensation package, including health benefits, retirement contributions, professional development funding, and job stability, all of which can significantly impact overall financial well-being.

Highest Paying Metropolitan Areas for ESL Teachers in the US

Metropolitan Area Employment Hourly Mean Wage Annual Mean Wage
Portland-Vancouver-Hillsboro, OR-WA High concentration $50.21 $104,430
Salem, OR Moderate $48.87 $101,650
Eugene, OR Moderate $47.65 $99,110
Los Angeles-Long Beach-Anaheim, CA Very high $46.88 $97,510
San Diego-Carlsbad, CA High $46.23 $96,160
Modesto, CA Moderate $45.82 $95,310
San Francisco-Oakland-Hayward, CA High $45.67 95,190
Sacramento–Roseville–Arden-Arcade, CA High $44.31 $92,170
New York-Newark-Jersey City, NY-NJ-PA Highest employment $38.56 $80,210

Data Source: U.S. Bureau of Labor Statistics, Metropolitan Area Occupational Employment and Wage Statistics, May 2024; Additional reporting from state-specific analyses

Geographic location dramatically influences ESL teacher salaries, with metropolitan areas in Oregon and California dominating the highest-paying regions. The Portland-Vancouver-Hillsboro metropolitan area leads the nation with hourly mean wages of $50.21, translating to annual mean wages exceeding $104,000. Oregon cities consistently rank in the top positions, with Salem and Eugene offering annual mean wages above $99,000. This concentration of high-paying positions in Oregon may reflect state education funding priorities, strong teacher unions, and cost-of-living adjustments.

California metropolitan areas claim six of the top ten positions, with Los Angeles-Long Beach-Anaheim offering annual mean wages of $97,510 and San Diego-Carlsbad providing $96,160. The San Francisco-Oakland-Hayward area, despite its exceptionally high cost of living, offers mean wages of $95,190, which may provide lower purchasing power compared to Oregon markets. Notably, New York-Newark-Jersey City, while having the highest employment levels for ESL teachers nationally, ranks ninth in compensation at $80,210 annually. This illustrates an important consideration: employment volume does not necessarily correlate with compensation levels. Teachers seeking to maximize earning potential should evaluate salary data alongside cost-of-living indices, as high wages in expensive metropolitan areas may not translate to superior financial outcomes compared to moderate wages in affordable regions.

ESL Teacher Salary by State in the US 2025

State Employment Level Hourly Mean Wage Annual Mean Wage Location Quotient
California 5,280 jobs $47.00 $97,760 1.38
Oregon Significant $48.50 $100,880 2.15
New York 2,670 jobs $36.00 $75,080 1.42
Massachusetts 1,520 jobs $35.00 $72,800 1.25
Washington Significant $42.00 $87,360 1.68
Texas 3,100 jobs $31.50 $65,520 0.98
Florida 2,400 jobs $29.00 $60,320 1.03
Illinois 1,800 jobs $33.00 $68,640 1.15

Data Source: U.S. Bureau of Labor Statistics, State Occupational Employment and Wage Statistics, May 2024; State-specific educational analyses

State-level salary analysis reveals Oregon as the highest-compensating state for ESL teachers, with an average hourly wage of $48.50 and annual mean wages approaching $100,880. The state’s location quotient of 2.15 indicates that ESL teaching positions are more than twice as concentrated in Oregon compared to the national average, suggesting strong state-level support for adult education and ESL programs. California follows with the largest employment base of 5,280 jobs and annual mean wages of $97,760, while its location quotient of 1.38 shows above-average concentration of positions.

New York maintains significant employment with 2,670 jobs and annual mean wages of $75,080, though this represents approximately 23 percent less than California despite comparable cost-of-living pressures in major metropolitan areas. Massachusetts employs 1,520 ESL teachers with annual mean wages of $72,800, while Washington state demonstrates strong compensation at $87,360 annually with a notable location quotient of 1.68. States like Texas and Florida, despite having substantial employment levels of 3,100 and 2,400 jobs respectively, offer more moderate compensation at $65,520 and $60,320, which may reflect different cost-of-living conditions and varying state education funding models. The location quotient data helps identify states with particular emphasis on ESL education: values above 1.0 indicate higher-than-average concentration of positions, suggesting stronger market demand and potentially more competitive hiring practices.

ESL Teacher Salary Range by Percentile in the US 2025

Percentile Annual Salary Hourly Wage Description
10th Percentile $39,750 $19.11 Entry-level or part-time positions
25th Percentile $48,500 $23.32 Below-average experience or smaller markets
50th Percentile (Median) $59,950 $28.82 Mid-career teachers, typical experience
75th Percentile $75,600 $36.35 Experienced teachers, specialized skills
90th Percentile $95,750 $46.03 Senior educators, administrative roles

Data Source: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2024

The percentile distribution of ESL teacher salaries provides crucial insights into career earning potential at different experience and skill levels. At the 10th percentile, teachers earn $39,750 annually or $19.11 per hour, typically representing entry-level positions, part-time work, or employment in lower-cost regions or less-funded programs. Moving to the 25th percentile at $48,500 annually reflects teachers with limited experience or those working in smaller markets without specialized credentials.

The median (50th percentile) of $59,950 represents the midpoint of the profession, where approximately half of ESL teachers earn more and half earn less. This figure typically correlates with mid-career educators who have completed their bachelor’s degree and possess several years of teaching experience. Teachers reaching the 75th percentile earn $75,600 annually, representing a 26 percent premium over the median. These positions often require advanced degrees, specialized ESL certifications, or employment in high-paying metropolitan areas or well-funded institutions. At the 90th percentile, earning $95,750 annually, teachers have likely attained senior positions, may hold master’s degrees or doctoral qualifications, potentially assume administrative responsibilities, or work in the most competitive markets. The approximately $56,000 gap between the 10th and 90th percentiles demonstrates substantial income mobility potential for ESL teachers who invest in professional development, gain experience, and strategically position themselves in higher-paying markets.

Factors Affecting ESL Teacher Salaries in the US

Factor Impact on Salary Variation Range
Educational Attainment Master’s degree adds 15-25% $9,000-$15,000 premium
Geographic Location State/metro differences Up to 60% variation ($39,750-$104,430)
Years of Experience Progressive increases 2-5% annual increments typical
Employment Sector Public vs. private $18,000 difference (state colleges vs. private schools)
Specialized Certifications TESOL, CELTA credentials $5,000-$8,000 premium
Work Schedule Full-time vs. part-time Part-time prevalent in field
Student Population K-12 vs. adult education $2,500-$7,500 variation
Institution Funding Government vs. nonprofit $8,000-$12,000 difference

Data Source: Analysis of U.S. Bureau of Labor Statistics data, Occupational Outlook Handbook, May 2024

Multiple interconnected factors determine individual ESL teacher compensation levels. Educational attainment stands as a primary determinant, with teachers holding master’s degrees typically earning 15 to 25 percent more than those with only bachelor’s degrees, translating to approximately $9,000 to $15,000 in additional annual income. Geographic location exerts the most dramatic influence, with variations up to 60 percent between the lowest and highest-paying markets, ranging from $39,750 in entry-level positions in low-cost areas to over $104,000 in premium metropolitan markets like Portland, Oregon.

Years of experience contribute to salary growth through structured pay scales in public institutions, typically providing 2 to 5 percent annual increments, enabling teachers to progress from entry-level to mid-career compensation over a decade. The employment sector creates substantial variation: state-operated junior colleges paying median wages of $66,060 compared to private schools at $47,950 represents an $18,000 annual difference. Specialized certifications such as TESOL (Teaching English to Speakers of Other Languages) or CELTA (Certificate in English Language Teaching to Adults) can command premiums of $5,000 to $8,000 annually, as they demonstrate advanced pedagogical expertise and commitment to professional development. The work schedule significantly impacts compensation, as part-time positions are common in ESL education due to class scheduling around students’ work hours, potentially limiting annual earnings despite competitive hourly rates. Teachers should strategically evaluate these factors when planning career development paths and making employment decisions.

Job Outlook and Future Projections for ESL Teachers in the US 2024-2034

Projection Category Value Trend
Employment 2024 40,900 jobs Base year
Projected Employment 2034 35,200 jobs Decline expected
Numeric Change -5,700 jobs 14% decrease
Annual Job Openings 3,900 positions Due to replacement needs
Primary Opening Source 100% replacement Retirements and career changes
Enrollment Trends Declining Fewer adult education students
High School Graduation Rates Increasing Reduces equivalency seekers
Government Funding Variable Impacts program availability
K-12 ESL Demand 6% vacancy rate Separate from adult education

Data Source: U.S. Bureau of Labor Statistics, Employment Projections 2024-2034

The employment outlook for adult basic and secondary education and ESL teachers indicates a projected 14 percent decline from 2024 to 2034, translating to a loss of approximately 5,700 positions over the decade. This contraction primarily reflects declining enrollment in adult education and ESL programs, as improved high school graduation rates reduce the population seeking equivalency credentials. Despite this overall decline, the occupation projects approximately 3,900 annual job openings through 2034, entirely attributed to replacement needs as current teachers retire, transition to other education roles, or exit the workforce.

This replacement dynamic creates continued opportunities for new teachers entering the field, though competition for full-time positions may intensify. Government funding for adult education programs represents a critical variable that could accelerate or moderate these projections: budget cuts could hasten program closures while increased funding for immigrant integration and adult literacy could stabilize employment. Importantly, these projections specifically address adult ESL education; the K-12 sector shows different dynamics with ESL positions maintaining a 6 percent vacancy rate, suggesting sustained or growing demand for teachers working with school-aged English language learners. Aspiring ESL teachers should consider pursuing certification for K-12 settings in addition to adult education credentials to maximize employment flexibility. The field may particularly favor educators willing to accept part-time positions, work non-traditional hours, or serve in underserved geographic areas where teacher recruitment proves challenging.

Educational Requirements and Career Pathways for ESL Teachers in the US

Career Level Education Required Credentials Typical Salary Range
Entry-Level Adult ESL Bachelor’s degree State certification (public schools) $39,750-$48,500
Mid-Career Adult ESL Bachelor’s + experience TESOL/CELTA certification $48,500-$75,600
Senior Adult ESL Master’s degree preferred Advanced certifications $75,600-$95,750
K-12 ESL Teacher Bachelor’s degree State teaching license + ESL endorsement $46,440-$102,010
Community College ESL Master’s degree often required Professional teaching experience $55,000-$85,000
ESL Program Coordinator Master’s degree Administrative experience $70,000-$95,000
ESL Curriculum Developer Master’s degree Instructional design skills $65,000-$90,000

Data Source: U.S. Bureau of Labor Statistics, Occupational Outlook Handbook; State certification requirements analysis

Educational pathways for ESL teachers vary significantly based on the target employment sector. Adult basic and secondary education ESL teachers working in public schools typically need at minimum a bachelor’s degree along with state-specific licensing or certification. However, community-based organizations and private language schools may hire teachers without formal teaching credentials, focusing instead on language proficiency and teaching experience. These entry-level positions generally offer salaries in the $39,750 to $48,500 range.

Mid-career advancement often requires pursuing specialized certifications such as TESOL or CELTA, which provide structured training in ESL pedagogy and can elevate earning potential into the $48,500 to $75,600 range. For K-12 ESL teaching positions, teachers must obtain state teaching licenses and complete ESL endorsement requirements, which typically involve coursework in linguistics, second language acquisition theory, and multicultural education. Elementary and middle school ESL teachers earn median wages of approximately $62,000 to $63,000, while high school ESL specialists earn around $64,580. Graduate degrees significantly enhance career prospects and compensation, with master’s programs in TESOL, applied linguistics, or education opening pathways to community college instruction, program coordination roles, and curriculum development positions paying $65,000 to $95,000. Professional development remains crucial throughout ESL teaching careers, as evolving pedagogy, technology integration, and changing student demographics require continuous learning and adaptation to maintain teaching effectiveness and career competitiveness.

ESL Teacher Benefits and Total Compensation in the US

Benefit Category Public School/Government Community College Private Institution Nonprofit Organization
Base Salary Range $48,000-$75,000 $55,000-$85,000 $40,000-$65,000 $42,000-$60,000
Health Insurance Comprehensive coverage Full benefits Varies by institution Limited or partial
Retirement Plan Pension or 403(b) State retirement system 401(k) possible Basic 401(k) options
Paid Time Off Summers + holidays Semester breaks Limited vacation 2-3 weeks typical
Professional Development Funding provided Conference support Minimal support Grant-dependent
Job Security Tenure possible Contract-based At-will employment Grant-funded positions
Tuition Assistance Often available Free/reduced courses Rare Uncommon

Data Source: Analysis of employer benefit structures across ESL education sectors

Total compensation for ESL teachers extends significantly beyond base salary, with benefits packages varying substantially across employment sectors. Public schools and government-employed ESL teachers typically receive the most comprehensive benefits, including full health insurance coverage for teachers and often dependents, pension plans or robust 403(b) retirement contributions, and structured paid time off including summer breaks, holidays, and sick leave. These positions frequently offer pathways to tenure after probationary periods, providing substantial job security. Professional development funding enables teachers to attend conferences, pursue additional certifications, and complete graduate coursework, often with tuition assistance benefits.

Community college ESL instructors generally enjoy similar benefit structures, with access to state retirement systems and comprehensive health coverage, though full-time positions may be competitive and part-time adjunct roles receive reduced benefits. Private institutions present greater variability: established private schools may offer competitive packages approaching public school benefits, while smaller language academies might provide minimal benefits beyond base hourly wages. Nonprofit organizations often operate under grant funding, creating position stability challenges but potentially offering mission-driven work environments that appeal to educators prioritizing social impact. When evaluating compensation, ESL teachers should calculate total compensation value: a position offering $55,000 annually with comprehensive benefits, pension contributions, professional development funding, and job security may provide superior financial outcomes compared to a $65,000 position lacking health insurance, retirement benefits, or employment stability. The prevalence of part-time work in ESL education makes benefit access particularly crucial, as part-time teachers often must secure health insurance independently and lack retirement plan access through their employment.

Work Environment and Job Satisfaction for ESL Teachers in the US

Work Factor Characteristics Job Satisfaction Impact
Teaching Schedule Mornings and evenings Flexible but non-traditional hours
Class Sizes Variable (5-25 students) Smaller classes enhance effectiveness
Student Motivation Generally high – voluntary enrollment Very rewarding
Cultural Diversity Extensive multicultural classrooms Enriching but requires sensitivity
Part-Time Prevalence Common in field May limit benefits access
Administrative Support Varies by institution Critical for teacher success
Resource Availability Inconsistent across settings Impacts teaching quality
Professional Autonomy Moderate to high Curriculum flexibility valued
Job Satisfaction Rating 3.72 out of 5.0 Above average for education

Data Source: U.S. Bureau of Labor Statistics workplace characteristics; PayScale job satisfaction surveys

The work environment for ESL teachers presents unique characteristics that significantly influence job satisfaction and career longevity. Teaching schedules frequently occur during morning and evening hours to accommodate adult students who attend classes before or after work commitments, creating non-traditional work schedules that may appeal to some educators while challenging others seeking conventional hours. This scheduling flexibility can benefit teachers managing family responsibilities or pursuing additional employment but may complicate work-life balance.

Student motivation emerges as a particularly rewarding aspect of ESL teaching: because adult education and ESL programs rely on voluntary enrollment, students typically demonstrate high engagement and appreciation for instruction, creating satisfying teaching experiences. The extensive cultural diversity in ESL classrooms exposes teachers to students from dozens of countries, enriching the educational environment but requiring significant cultural competency, patience, and adaptive communication strategies. Teachers must navigate language barriers while respecting diverse educational backgrounds, cultural norms, and learning styles. The prevalence of part-time work represents a significant career consideration, as many ESL positions lack full-time hours, requiring teachers to cobble together multiple part-time roles or supplement ESL teaching with additional income sources. Resource availability varies dramatically across institutions: well-funded community colleges may provide current textbooks, technology resources, and instructional materials, while community-based organizations might operate with limited materials, requiring teacher creativity and resourcefulness. Overall job satisfaction ratings of 3.72 out of 5.0 indicate that despite challenges including uncertain funding, part-time prevalence, and declining employment projections, ESL teachers generally find their work meaningful, particularly valuing the cultural exchange and direct impact on students’ lives.

Comparison: ESL Teacher Salaries vs. Other Education Occupations in the US 2025

Occupation Median Annual Wage Total Employment Difference from ESL
High School Teachers $64,580 1,100,000 jobs +$4,630 (+7.7%)
Middle School Teachers $62,970 633,700 jobs +$3,020 (+5.0%)
Elementary School Teachers $62,340 1,400,000 jobs +$2,390 (+4.0%)
Kindergarten Teachers $61,430 117,200 jobs +$1,480 (+2.5%)
Adult ESL Teachers $59,950 40,900 jobs Baseline
Preschool Teachers $37,130 457,600 jobs -$22,820 (-38.1%)
Teacher Assistants $35,550 971,900 jobs -$24,400 (-40.7%)

Data Source: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2024

Comparing ESL teacher salaries to other education professions provides important context for career decision-making. Adult ESL teachers earning a median of $59,950 position moderately within the broader teaching profession. High school teachers earn approximately 7.7 percent more at $64,580, though this difference of about $4,600 annually may be offset by different working conditions: high school teachers typically work standard daytime hours with larger class sizes and more standardized curricula, while ESL teachers often enjoy smaller classes and greater instructional flexibility despite non-traditional schedules.

Elementary and middle school teachers earn marginally more than ESL educators, with differences of 4.0 to 5.0 percent respectively. These K-12 positions generally require state teaching licenses and work full academic year schedules with summers off, contrasting with the part-time prevalence in adult ESL education. Kindergarten teachers at $61,430 earn nearly identically to ESL teachers, suggesting comparable market value for educators working with specialized populations requiring differentiated instruction. Significantly, ESL teachers earn considerably more than preschool teachers and teacher assistants, with advantages of 38 to 41 percent, reflecting the bachelor’s degree requirement and specialized skills needed for ESL instruction. The relatively modest employment base of 40,900 jobs for adult ESL teachers compared to over 1 million positions for high school teachers indicates a smaller but specialized career field. Prospective educators should weigh these compensation differences against factors including work schedule preferences, desired student age groups, full-time position availability, and the specialized nature of ESL instruction when making career choices within the education sector.

Regional Cost of Living Considerations for ESL Teachers in the US

Metropolitan Area Annual Mean Wage Cost of Living Index Adjusted Purchasing Power Housing Cost Ratio
Portland, OR $104,430 127.5 (High) $81,890 28% of income
Los Angeles, CA $97,510 145.3 (Very High) $67,100 35% of income
San Francisco, CA $95,190 179.5 (Extremely High) $53,020 42% of income
New York City, NY $80,210 168.6 (Extremely High) $47,570 40% of income
Eugene, OR $99,110 105.2 (Moderate) $94,200 22% of income
Sacramento, CA $92,170 116.8 (Above Average) $78,910 25% of income
National Average $59,950 100.0 (Baseline) $59,950 30% of income

Data Source: U.S. Bureau of Labor Statistics wage data; Cost of Living Index calculations based on regional economic data

Cost of living analysis reveals that nominal salary figures can be misleading when evaluating ESL teaching opportunities across different geographic markets. While San Francisco ESL teachers earn impressive nominal wages of $95,190, the city’s extremely high cost of living index of 179.5 (nearly 80 percent above the national average) reduces purchasing power to approximately $53,020 when adjusted for expenses. Housing costs consuming 42 percent of income in San Francisco significantly constrain financial outcomes despite high salaries. New York City presents similar dynamics: the $80,210 median wage sounds attractive but adjusts to only $47,570 in purchasing power once the 168.6 cost of living index is factored.

Disclaimer: This research report is compiled from publicly available sources. While reasonable efforts have been made to ensure accuracy, no representation or warranty, express or implied, is given as to the completeness or reliability of the information. We accept no liability for any errors, omissions, losses, or damages of any kind arising from the use of this report.