San Francisco is in California.
San Francisco ( initials SF ) ( [ sæn_frənˈsɪskoʊ ] , Spanish for Saint Francis ; Spanish : [ san franˈsisko ] ) , officially the City and County of San Francisco , is the cultural , commercial , and financial center of Northern California . San Francisco is the fourth-most populous city in California , after Los Angeles , San Diego , and San Jose , and the 13th-most populous city in the United States -- with a census-estimated 2016 population of 870,887 . The San Francisco Bay Area ( referred to locally as the Bay Area ) is a populous region surrounding the San Francisco and San Pablo estuaries in Northern California .