{
    "url": "https://www.spotsalary.com/salary/cardiologist/san-francisco-us-1840021543",
    "canonical": "https://www.spotsalary.com/salary/cardiologist/san-francisco-us-1840021543",
    "headline": "Cardiologist Salary in San Francisco, United States",
    "description": "Median Cardiologist salary in San Francisco, United States is $494.6K per year. Compare P10–P90 salary bands by experience, take-home pay and a five-year outlook.",
    "occupation": {
        "name": "Cardiologist",
        "slug": "cardiologist",
        "family": "healthcare",
        "soc_code": "29-1211",
        "aliases": [
            "Heart Specialist"
        ],
        "description": null
    },
    "location": {
        "name": "San Francisco, United States",
        "slug": "san-francisco-us-1840021543",
        "type": "city",
        "iso2": "US",
        "currency": "USD"
    },
    "period": 2026,
    "confidence": 56,
    "status": "published",
    "method": "nearest_neighbor",
    "updated_at": "2026-10-30T03:11:13+00:00",
    "salary_bands": [
        {
            "level": "entry",
            "years_experience": [
                0,
                2
            ],
            "p10": 316209.36,
            "p25": 383968.5,
            "p50": 451727.66,
            "p75": 519486.81,
            "p90": 609832.34,
            "base_share": 95,
            "bonus_share": 5,
            "equity_share": 0
        },
        {
            "level": "mid",
            "years_experience": [
                3,
                5
            ],
            "p10": 384997.2,
            "p25": 413118.26,
            "p50": 494632.66,
            "p75": 575233.97,
            "p90": 606804.48,
            "base_share": 88,
            "bonus_share": 8,
            "equity_share": 4
        },
        {
            "level": "senior",
            "years_experience": [
                6,
                9
            ],
            "p10": 443793.14,
            "p25": 462828.28,
            "p50": 528154.33,
            "p75": 574976.21,
            "p90": 594807.07,
            "base_share": 80,
            "bonus_share": 10,
            "equity_share": 10
        },
        {
            "level": "executive",
            "years_experience": [
                10,
                15
            ],
            "p10": 383847.89,
            "p25": 466101.01,
            "p50": 548354.13,
            "p75": 630607.25,
            "p90": 740278.08,
            "base_share": 65,
            "bonus_share": 15,
            "equity_share": 20
        }
    ],
    "take_home": {
        "currency": "USD",
        "tax_rate": 27.78196672253708,
        "top_rate": null,
        "method": "progressive",
        "label": "progressive brackets",
        "standard_deduction": 15000,
        "rebate": 0,
        "source": "IRS (2025 single filer federal)",
        "source_url": "https://www.irs.gov/",
        "retrieved_at": "2026-10-23T00:00:00.000000Z",
        "verified": true,
        "notes": "2025 federal brackets; excludes FICA and state tax",
        "bands": [
            {
                "level": "entry",
                "gross": 451727.66,
                "taxable": 436727.66,
                "tax": 122401.93099999998,
                "effective_rate": 27.09639941021101,
                "net_annual": 329325.729,
                "net_monthly": 27443.81075,
                "method": "progressive",
                "top_rate": null,
                "standard_deduction": 15000,
                "rebate": 0,
                "source": "IRS (2025 single filer federal)",
                "source_url": "https://www.irs.gov/",
                "retrieved_at": "2026-10-23T00:00:00.000000Z",
                "verified": true,
                "notes": "2025 federal brackets; excludes FICA and state tax"
            },
            {
                "level": "mid",
                "gross": 494632.66,
                "taxable": 479632.66,
                "tax": 137418.68099999998,
                "effective_rate": 27.78196672253708,
                "net_annual": 357213.979,
                "net_monthly": 29767.831583333333,
                "method": "progressive",
                "top_rate": null,
                "standard_deduction": 15000,
                "rebate": 0,
                "source": "IRS (2025 single filer federal)",
                "source_url": "https://www.irs.gov/",
                "retrieved_at": "2026-10-23T00:00:00.000000Z",
                "verified": true,
                "notes": "2025 federal brackets; excludes FICA and state tax"
            },
            {
                "level": "senior",
                "gross": 528154.33,
                "taxable": 513154.32999999996,
                "tax": 149151.26549999998,
                "effective_rate": 28.24009139525562,
                "net_annual": 379003.0645,
                "net_monthly": 31583.588708333333,
                "method": "progressive",
                "top_rate": null,
                "standard_deduction": 15000,
                "rebate": 0,
                "source": "IRS (2025 single filer federal)",
                "source_url": "https://www.irs.gov/",
                "retrieved_at": "2026-10-23T00:00:00.000000Z",
                "verified": true,
                "notes": "2025 federal brackets; excludes FICA and state tax"
            },
            {
                "level": "executive",
                "gross": 548354.13,
                "taxable": 533354.13,
                "tax": 156221.1955,
                "effective_rate": 28.489107121341455,
                "net_annual": 392132.9345,
                "net_monthly": 32677.744541666663,
                "method": "progressive",
                "top_rate": null,
                "standard_deduction": 15000,
                "rebate": 0,
                "source": "IRS (2025 single filer federal)",
                "source_url": "https://www.irs.gov/",
                "retrieved_at": "2026-10-23T00:00:00.000000Z",
                "verified": true,
                "notes": "2025 federal brackets; excludes FICA and state tax"
            }
        ]
    },
    "outlook": {
        "direction": "growing",
        "inflation_pct": 2.8,
        "real_growth_pct": 4.8,
        "forecasts": [
            {
                "year": 2027,
                "scenario": "base",
                "p25": 498162.36,
                "p50": 532224.74,
                "p75": 566287.13,
                "confidence": 50,
                "drivers": [
                    {
                        "name": "Inflation (CPI)",
                        "note": "2.8% annual price growth",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Wage growth",
                        "note": "3.6% nominal wage trend",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Role demand trend",
                        "note": "2.0% annual role demand",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Hiring demand",
                        "note": "Demand index 58/100",
                        "weight": "medium",
                        "direction": "up"
                    },
                    {
                        "name": "Automation exposure",
                        "note": "10% exposure",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Real wage growth",
                        "note": "4.8% after 2.8% inflation",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Scenario growth",
                        "note": "7.6% modelled nominal growth",
                        "weight": "high",
                        "direction": "up"
                    }
                ]
            },
            {
                "year": 2027,
                "scenario": "conservative",
                "p25": 491217.72,
                "p50": 524805.25,
                "p75": 558392.79,
                "confidence": 50,
                "drivers": [
                    {
                        "name": "Inflation (CPI)",
                        "note": "2.8% annual price growth",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Wage growth",
                        "note": "3.6% nominal wage trend",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Role demand trend",
                        "note": "2.0% annual role demand",
                        "weight": "high",
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                    },
                    {
                        "name": "Hiring demand",
                        "note": "Demand index 58/100",
                        "weight": "medium",
                        "direction": "up"
                    },
                    {
                        "name": "Automation exposure",
                        "note": "10% exposure",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Real wage growth",
                        "note": "4.8% after 2.8% inflation",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Scenario growth",
                        "note": "7.6% modelled nominal growth",
                        "weight": "high",
                        "direction": "up"
                    }
                ]
            },
            {
                "year": 2027,
                "scenario": "optimistic",
                "p25": 505107,
                "p50": 539644.23,
                "p75": 574181.46,
                "confidence": 50,
                "drivers": [
                    {
                        "name": "Inflation (CPI)",
                        "note": "2.8% annual price growth",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Wage growth",
                        "note": "3.6% nominal wage trend",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Role demand trend",
                        "note": "2.0% annual role demand",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Hiring demand",
                        "note": "Demand index 58/100",
                        "weight": "medium",
                        "direction": "up"
                    },
                    {
                        "name": "Automation exposure",
                        "note": "10% exposure",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Real wage growth",
                        "note": "4.8% after 2.8% inflation",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Scenario growth",
                        "note": "7.6% modelled nominal growth",
                        "weight": "high",
                        "direction": "up"
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                ]
            },
            {
                "year": 2029,
                "scenario": "base",
                "p25": 571830.85,
                "p50": 616197.03,
                "p75": 660563.22,
                "confidence": 38,
                "drivers": [
                    {
                        "name": "Inflation (CPI)",
                        "note": "2.8% annual price growth",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Wage growth",
                        "note": "3.6% nominal wage trend",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Role demand trend",
                        "note": "2.0% annual role demand",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Hiring demand",
                        "note": "Demand index 58/100",
                        "weight": "medium",
                        "direction": "up"
                    },
                    {
                        "name": "Automation exposure",
                        "note": "10% exposure",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Real wage growth",
                        "note": "4.8% after 2.8% inflation",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Scenario growth",
                        "note": "7.6% modelled nominal growth",
                        "weight": "high",
                        "direction": "up"
                    }
                ]
            },
            {
                "year": 2029,
                "scenario": "conservative",
                "p25": 548247.82,
                "p50": 590784.29,
                "p75": 633320.76,
                "confidence": 38,
                "drivers": [
                    {
                        "name": "Inflation (CPI)",
                        "note": "2.8% annual price growth",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Wage growth",
                        "note": "3.6% nominal wage trend",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Role demand trend",
                        "note": "2.0% annual role demand",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Hiring demand",
                        "note": "Demand index 58/100",
                        "weight": "medium",
                        "direction": "up"
                    },
                    {
                        "name": "Automation exposure",
                        "note": "10% exposure",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Real wage growth",
                        "note": "4.8% after 2.8% inflation",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Scenario growth",
                        "note": "7.6% modelled nominal growth",
                        "weight": "high",
                        "direction": "up"
                    }
                ]
            },
            {
                "year": 2029,
                "scenario": "optimistic",
                "p25": 596080.64,
                "p50": 642328.28,
                "p75": 688575.91,
                "confidence": 38,
                "drivers": [
                    {
                        "name": "Inflation (CPI)",
                        "note": "2.8% annual price growth",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Wage growth",
                        "note": "3.6% nominal wage trend",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Role demand trend",
                        "note": "2.0% annual role demand",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Hiring demand",
                        "note": "Demand index 58/100",
                        "weight": "medium",
                        "direction": "up"
                    },
                    {
                        "name": "Automation exposure",
                        "note": "10% exposure",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Real wage growth",
                        "note": "4.8% after 2.8% inflation",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Scenario growth",
                        "note": "7.6% modelled nominal growth",
                        "weight": "high",
                        "direction": "up"
                    }
                ]
            },
            {
                "year": 2031,
                "scenario": "base",
                "p25": 656344.69,
                "p50": 713418.14,
                "p75": 770491.59,
                "confidence": 30,
                "drivers": [
                    {
                        "name": "Inflation (CPI)",
                        "note": "2.8% annual price growth",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Wage growth",
                        "note": "3.6% nominal wage trend",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Role demand trend",
                        "note": "2.0% annual role demand",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Hiring demand",
                        "note": "Demand index 58/100",
                        "weight": "medium",
                        "direction": "up"
                    },
                    {
                        "name": "Automation exposure",
                        "note": "10% exposure",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Real wage growth",
                        "note": "4.8% after 2.8% inflation",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Scenario growth",
                        "note": "7.6% modelled nominal growth",
                        "weight": "high",
                        "direction": "up"
                    }
                ]
            },
            {
                "year": 2031,
                "scenario": "conservative",
                "p25": 611853.62,
                "p50": 665058.29,
                "p75": 718262.95,
                "confidence": 30,
                "drivers": [
                    {
                        "name": "Inflation (CPI)",
                        "note": "2.8% annual price growth",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Wage growth",
                        "note": "3.6% nominal wage trend",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Role demand trend",
                        "note": "2.0% annual role demand",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Hiring demand",
                        "note": "Demand index 58/100",
                        "weight": "medium",
                        "direction": "up"
                    },
                    {
                        "name": "Automation exposure",
                        "note": "10% exposure",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Real wage growth",
                        "note": "4.8% after 2.8% inflation",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Scenario growth",
                        "note": "7.6% modelled nominal growth",
                        "weight": "high",
                        "direction": "up"
                    }
                ]
            },
            {
                "year": 2031,
                "scenario": "optimistic",
                "p25": 703387.05,
                "p50": 764551.14,
                "p75": 825715.23,
                "confidence": 30,
                "drivers": [
                    {
                        "name": "Inflation (CPI)",
                        "note": "2.8% annual price growth",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Wage growth",
                        "note": "3.6% nominal wage trend",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Role demand trend",
                        "note": "2.0% annual role demand",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Hiring demand",
                        "note": "Demand index 58/100",
                        "weight": "medium",
                        "direction": "up"
                    },
                    {
                        "name": "Automation exposure",
                        "note": "10% exposure",
                        "weight": "high",
                        "direction": "steady"
                    },
                    {
                        "name": "Real wage growth",
                        "note": "4.8% after 2.8% inflation",
                        "weight": "high",
                        "direction": "up"
                    },
                    {
                        "name": "Scenario growth",
                        "note": "7.6% modelled nominal growth",
                        "weight": "high",
                        "direction": "up"
                    }
                ]
            }
        ]
    },
    "skills": [],
    "sources": [
        {
            "name": "New York, United States",
            "url": null,
            "type": "nearest_donor",
            "tier": "derived"
        }
    ],
    "faqs": [
        {
            "question": "What is the average salary of a Cardiologist in San Francisco, United States?",
            "answer": "SpotSalary models a median annual salary of $494.6K for a Cardiologist in San Francisco, United States, or about $41,219 per month before tax. The middle 50% of the estimate ranges from $413.1K to $575.2K, with a full P10–P90 range of $385K to $606.8K. This is a modelled estimate, not a job offer."
        },
        {
            "question": "How much does an entry-level Cardiologist earn in San Francisco, United States?",
            "answer": "The entry-level band for a Cardiologist in San Francisco, United States centres on $451.7K per year (P25–P75: $384K–$519.5K). Entry-level pay typically covers the first 2 years of experience and depends on company size, skills and responsibilities."
        },
        {
            "question": "How much does a senior or executive Cardiologist earn in San Francisco, United States?",
            "answer": "The executive band for a Cardiologist in San Francisco, United States has a median of $548.4K per year and a P75 of $630.6K. Senior and executive packages often include a larger bonus and equity component; this benchmark shows the total-compensation split for each level."
        },
        {
            "question": "What is the salary outlook for a Cardiologist in San Francisco, United States?",
            "answer": "The outlook is growing. In the base scenario, median pay reaches $713.4K by 2031, about 44.2% above today before inflation and 4.8% per year in real terms after 2.8% inflation. Scenario bands widen over time and are not guarantees."
        },
        {
            "question": "What is the take-home pay for a Cardiologist in San Francisco, United States?",
            "answer": "After an effective income tax rate of 27.8%, the mid-level Cardiologist in San Francisco, United States takes home about $357,214 per year, or $29,768 per month. The estimate uses imported national tax brackets and does not include social contributions or local levies."
        },
        {
            "question": "How does SpotSalary calculate these salary estimates?",
            "answer": "Estimates are anchored to external market signals — GDP per capita PPP, inflation, wage growth, cost of living, demand and automation exposure — and synthesised with AI. Deterministic validation rejects implausible outputs. This report carries 56% confidence and draws on 14 salary observations."
        }
    ],
    "related": {
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        "occupation_hub": "https://www.spotsalary.com/occupations/cardiologist",
        "location_hub": "https://www.spotsalary.com/locations/san-francisco-us-1840021543",
        "all_salaries": "https://www.spotsalary.com/salaries"
    },
    "citation": {
        "plain": "Cardiologist Salary in San Francisco, United States. SpotSalary. https://www.spotsalary.com/salary/cardiologist/san-francisco-us-1840021543",
        "updated_at": "2026-10-30T03:11:13+00:00"
    }
}