I dont live in San Francisco and I also dont have a child but I think its safe to assume there isnt a set standard for “how much a child costs.” Depending on your income, what you may spend is going to be wildly different from what someone else may spend. Are you talking about doctor’s fees, or diapers, food, and clothing? Do you have insurance? All of these factors will make it difficult to put a number on a baby. Depending on how you would like to raise your child and what type of lifestyle you lead is another variable.