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Free FERS Tool · 2026
2026 GS Pay Scale — San Francisco
Locality-adjusted General Schedule pay for San Jose-San Francisco-Oakland, CA, the OPM pay area covering San Francisco. Every grade and step below is base pay plus the 46.34% locality add-on, computed with OPM's own formula.
Data current as of January 11, 2026 · Sources: OPM · GSA
What San Francisco locality pay is worth
San Francisco carries a locality rate of 46.34%, which ranks #1 of 24 areas on this site. On a GS-13 Step 1 salary that is worth $26,623 a year more than the same grade and step in the Rest of U.S. area ($133,060 against $106,437).
Locality pay is not a bonus — it is part of basic pay. That matters for retirement: it counts toward your High-3 average salary, and therefore toward your FERS pension. A move between pay areas late in your career can move your High-3 in either direction.
2026 pay table — San Francisco (46.34%)
Annual locality-adjusted salary by grade and step. Figures are rounded to the dollar. Cells shown in amber are capped at the Executive Schedule Level IV limit of $197,200 — 10 of 150 cells in this area hit that ceiling.
| Grade | Step 1 | Step 2 | Step 3 | Step 4 | Step 5 | Step 6 | Step 7 | Step 8 | Step 9 | Step 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| GS-1 | $33,049 | $34,157 | $35,256 | $36,351 | $37,447 | $38,089 | $39,177 | $40,271 | $40,317 | $41,338 |
| GS-2 | $37,160 | $38,044 | $39,276 | $40,317 | $40,767 | $41,966 | $43,164 | $44,363 | $45,561 | $46,760 |
| GS-3 | $40,548 | $41,900 | $43,252 | $44,604 | $45,957 | $47,309 | $48,661 | $50,013 | $51,365 | $52,718 |
| GS-4 | $45,516 | $47,034 | $48,551 | $50,069 | $51,586 | $53,104 | $54,621 | $56,139 | $57,656 | $59,174 |
| GS-5 | $50,925 | $52,622 | $54,320 | $56,017 | $57,715 | $59,413 | $61,110 | $62,808 | $64,505 | $66,203 |
| GS-6 | $56,767 | $58,659 | $60,551 | $62,443 | $64,335 | $66,228 | $68,120 | $70,012 | $71,904 | $73,796 |
| GS-7 | $63,081 | $65,184 | $67,287 | $69,390 | $71,493 | $73,596 | $75,699 | $77,802 | $79,905 | $82,007 |
| GS-8 | $69,860 | $72,188 | $74,516 | $76,845 | $79,173 | $81,501 | $83,829 | $86,158 | $88,486 | $90,814 |
| GS-9 | $77,161 | $79,733 | $82,306 | $84,879 | $87,451 | $90,024 | $92,597 | $95,169 | $97,742 | $100,315 |
| GS-10 | $84,971 | $87,803 | $90,634 | $93,466 | $96,298 | $99,129 | $101,961 | $104,793 | $107,624 | $110,456 |
| GS-11 | $93,358 | $96,470 | $99,583 | $102,696 | $105,808 | $108,921 | $112,034 | $115,146 | $118,259 | $121,371 |
| GS-12 | $111,896 | $115,626 | $119,356 | $123,087 | $126,817 | $130,547 | $134,277 | $138,007 | $141,738 | $145,468 |
| GS-13 | $133,060 | $137,495 | $141,931 | $146,366 | $150,802 | $155,237 | $159,673 | $164,109 | $168,544 | $172,980 |
| GS-14 | $157,236 | $162,478 | $167,720 | $172,962 | $178,204 | $183,446 | $188,688 | $193,930 | $197,200 | $197,200 |
| GS-15 | $184,950 | $191,116 | $197,200 | $197,200 | $197,200 | $197,200 | $197,200 | $197,200 | $197,200 | $197,200 |
How this table is calculated
OPM publishes a base General Schedule table and a locality percentage for each pay area. The locality add-on is the base rate multiplied by the area percentage and rounded to the nearest dollar; the two are then summed and the result capped at Executive Schedule Level IV.
add-on = round(base × 0.4634)
total = min(base + add-on, $197,200)
5 U.S.C. § 5304 · 5 CFR § 531.214
Compare with other pay areas
Areas with a locality rate closest to San Francisco, plus the Rest of U.S. baseline.
All 24 pay areas
FH / Full Analysis
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These are planning estimates, not official OPM benefit determinations. Verify your eligibility, service history and benefit estimates against your agency's official records before making retirement decisions.
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