Pawn Shop Startup Cost Comparison
Houston, TX vs San Francisco, CA
Houston, TX
$43,000 - $171,000
COL Index: 96.5
VS
San Francisco, CA
$87,000 - $339,000
COL Index: 179.8
Detailed Cost Comparison
| Expense | Houston, TX | San Francisco, CA | Difference |
|---|---|---|---|
|
Business Registration & Licenses
|
$200 - $3,000 | $200 - $3,000 | Same |
|
Space & Equipment
|
$27,400 - $109,600 | $65,200 - $260,900 | -58% |
|
Initial Supplies & Inventory
|
$7,500 - $30,000 | $7,500 - $30,000 | Same |
|
Business Insurance (Annual)
|
$500 - $4,000 | $500 - $4,000 | Same |
|
Marketing & Launch
|
$500 - $5,000 | $500 - $5,000 | Same |
|
Working Capital (3 Months)
|
$7,200 - $19,300 | $13,500 - $36,000 | -46% |
| Total Estimated Cost | $43,000 - $171,000 | $87,000 - $339,000 | -50% |
Local Market Factors
| Factor | Houston | San Francisco |
|---|---|---|
| Cost of Living Index | 96.5 | 179.8 |
| Commercial Rent ($/sqft/yr) | $18 - $45 | $40 - $110 |
| Labor Rate Index | 0.92 | 1.52 |
| Sales Tax | 8.25% | 8.625% |
| Minimum Wage | $7.25/hr | $18.67/hr |
| LLC Filing Fee | $300 | $70 |
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