San Francisco might be famous for its Golden Gate Bridge, tech giants, and charming cable cars, but it’s also notorious for high living costs. For students studying at the University of San Francisco (USF), San Francisco State University (SFSU), or other nearby colleges, the city can feel like a wallet-drainer.
But don’t panic. With the right planning and a savvy approach, you can enjoy everything San Francisco has to offer—without blowing your student budget. This guide covers affordable places to live, budget-friendly food options, and free or low-cost activities across the city. Plus, we’ll point you to the best San Francisco student apartments to call home.
Finding affordable housing in San Francisco can be tricky, but it’s not impossible—especially if you know where to look. Whether you’re searching for apartments near University of San Francisco or San Francisco State University, here are the top neighbourhoods to consider:
1. Ingleside
- Close to: San Francisco State University (SFSU)
- Why it’s great: Quiet, residential, and well-connected via MUNI. It’s popular among SFSU students.
- Average Rent: $800–$1,200/month (shared)
2. Inner Richmond
- Close to: University of San Francisco (USF)
- Why it’s great: Diverse community, affordable Asian eateries, walkable to Golden Gate Park.
- Average Rent: $900–$1,300/month
3. Outer Sunset
- Close to: Ocean Beach and MUNI lines
- Why it’s great: A laid-back, beachy vibe with cheaper rent than central areas.
- Average Rent: $750–$1,100/month
4. Daly City
- Just Outside SF: Well connected to SFSU and downtown by BART and buses. Ideal for lower-cost housing.
- Average Rent: $700–$1,000/month
Top 3 student apartments in San Fransico to check out:
- 16 Turk St – Located near USF with furnished rooms, Wi-Fi, and communal spaces.
- 371 Columbus Residences – A student favourite next to SFSU with shared and private apartments.
- 1080 Folsom Residences – Modern studios close to downtown and USF.
Tip: Browse San Francisco student apartments early to lock in better rates and options!
Where to Eat: Cheap & Tasty Student Food
Living in San Francisco doesn’t mean you have to survive on instant noodles. The city is packed with food spots where you can grab a delicious meal without spending more than $10–$12.
1. Arizmendi Bakery – Inner Sunset
- Grab a slice of freshly baked pizza or a pastry for under $5. Vegetarian heaven!
2. Saigon Sandwich – Tenderloin
- Legendary bánh mì sandwiches for just $5–$6.
3. Taqueria El Farolito – Mission District
- Huge burritos that can easily feed you twice—for about $10.
4. Jang Soo Korean BBQ – Daly City
- All-you-can-eat Korean BBQ for around $20—go with friends and split the cost.
5. SFSU & USF Campus Cafes
- Don’t underestimate on-campus options—meal plans or dining dollars can be cost-effective over time.
🍽️ Student Hack: Use apps like Too Good To Go and MealPal to get discounted meals from local spots!
Where to Explore: Free & Budget-Friendly Things To Do
San Francisco is full of student-friendly adventures that don’t require spending much (or anything at all!). Whether you’re looking for culture, nature, or just a good Instagram moment, here are your go-to spots:
1. Golden Gate Park
- Rent a bike, chill at Stow Lake, or visit the free outdoor art at the de Young Museum sculpture garden.
2. Lands End Trail
- Stunning coastal views, hidden labyrinths, and selfie-worthy cliffside paths—all free.
3. Free Museum Days
- Most SF museums offer free admission days monthly. Check out:
- SF MoMA (First Thursdays for residents)
- Asian Art Museum
- Exploratorium (select days)
4. Ferry Building Farmers Market
- Even if you’re not buying, the vibe, smells, and free samples make it a weekly must-do.
5. Ocean Beach Bonfires
- Bring your friends, marshmallows, and a speaker for the ultimate low-cost hangout.
Bonus: Keep an eye out for free concerts, poetry slams, and improv nights at USF and SFSU campuses.
Getting Around San Francisco on a Budget
- MUNI & BART: Both SFSU and USF students are eligible for discounted Clipper Cards. MUNI gets you nearly everywhere in the city, while BART is great for longer trips and airport access.
- Biking: San Francisco is surprisingly bike-friendly—rent or buy a second-hand one for campus and grocery trips.
- Walk It: Many neighbourhoods, especially near campus, are extremely walkable. Bonus: great for your step count!
Final Thoughts
While San Francisco is one of the pricier cities in the U.S., it’s also bursting with life, culture, and opportunity. As a student, you can absolutely live well here on a budget—with the right apartment, a go-to burrito joint, and weekend adventures that don’t cost a dime.
So, whether you’re looking for San Francisco student apartments, you’ve got plenty of budget-friendly choices that still give you access to the best of the Bay.
