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San Francisco is expensive on paper and surprisingly cheap in practice if you skip the car and the tourist core. The city is seven miles square, Muni and BART cover it for a few dollars a ride, and the signature experiences — walking the Golden Gate Bridge, Lands End, Golden Gate Park, the Mission murals, Chinatown — cost nothing. Where budgets die is parking (routinely $50+ a day downtown) and Fisherman's Wharf dining. Fog season runs June through August, so the warmest, clearest weeks are usually September and October, which is also when rates peak with conference traffic. This guide covers the neighborhoods to base in, the weeks to avoid, and how to eat well here for very little.
Yes, if you skip the car, stay outside Union Square, and lean on the free outdoor sights. Transit, taquerias, and parks keep daily spend low; hotels are the one line item that stays high.
September and October — the summer fog clears and temperatures are at their warmest. June through August is often grey and cold near the coast.
Three full days covers the bridge and Presidio, Golden Gate Park and the western neighborhoods, and downtown, the Mission, and Chinatown.