This story is part of How We Get By, a KQED series exploring how people are coping with rising costs in the Bay Area and California. Find the full series here.

You don’t need to sit down at one of the Bay Area’s posh and trendy temples of fine dining to know that eating out in the year 2026 is too damn expensive. These days, even the most generic fast food might cost $50 or $60 to feed a family of four, and buying groceries to cook at home is an increasingly fraught and overwhelming expense.

Thankfully, the high-end California cuisine restaurant isn’t the only hallmark of the Bay Area food scene — there’s also the neighborhood taco truck, noodle counter, bánh mì shop and casual takeout dim sum deli. In every city in the Bay, these essential restaurants are still feeding the people, often at a shockingly inexpensive price point. You just need to know which ones are actually delicious.

Here, then, is my guide to eating well on a budget: 25 of my favorite affordable Bay Area restaurants where you can get a full, satisfying meal for $12 or less.

EAST BAY

Universal Bakery

1946 23rd St., San Pablo

This bustling Guatemalan bakery is the king of the delicious, inexpensive breakfast sandwich, serving at least seven different varieties of its pan con todo. The baseline sandwich ($6.55) comes with fluffy scrambled eggs, refried beans, crema and a wedge of fresh cheese — the staples of a traditional Guatemalan breakfast, all piled onto a good, crusty French roll. My favorite version adds well-charred longaniza (Guatemalan pork sausage) to the mix; others feature sweet plantains or carne asada. The bakery has additional locations in San Francisco’s Mission District and in Daly City.

Aqua Terra Grill at Contra Costa College

600 Mission Bell Dr. SAB-130, San Pablo

Located on the Contra Costa College campus, Aqua Terra functions as a training facility for students in the school’s culinary academy, but it it’s also fully open to the public for lunch service, three days a week (Tuesday–Thursday). The bonus with getting a meal prepared and served by students still learning their trade is that it’s an extraordinary value — say, a cool $9 for braised beef shank ravioli or a portobello focaccia sandwich with fries. (It’s just $16 to splurge on grilled branzino with garlic noodles.) The food can be a little uneven, with a throwback-to-’90s-New-American vibe. But it’s a solid meal — slightly fancy, even! — with sweet, earnest service for fast food prices. Note: the restaurant follows the school calendar, which means it’s already wrapping up for the semester. The last hurrah is a big Mother’s Day buffet on May 12–13; reservations are highly recommended.

La Selva Taqueria

1049 23rd St., Richmond

The house specialty at this rainforest-themed taqueria near the end of Richmond’s 23rd Street taco corridor is pollo al carbon — whole spatchcocked chickens slow-grilled over charcoal until the skin is deeply charred and the flesh is smoky, tender and delicious. You can get your chicken either on tacos or in a burrito, but my preference is the $30 family meal, which comes with a whole bird, tortillas, rice, refried beans, chips and as many tubs of salsa as you want from the restaurant’s excellent serve-yourself salsa bar. It’s enough to feed my family of four with leftovers — just $7.50 per person.

Grand Cafe

4250 Macdonald Ave., Richmond

This under-the-radar Hong Kong cafe tucked inside a Target shopping plaza isn’t notable for any single standout dish, but instead for its overall dedication to affordability: Nothing on the menu costs more than $10.75, and most dishes come with free soy milk and a bowl of hot soup on the side. My favorite is the claypot rice with spare ribs and preserved sausage.

Antojitos Guatemaltecos

11252 San Pablo Ave., El Cerrito

Tamales are the staple dish at this homestyle Guatemalan restaurant — and at $5 a pop, they’re also its most affordable offering. Two of these, mixed and matched between about a half-dozen available varieties, make for a hearty breakfast, lunch or dinner. I especially love the wonderfully jiggly and custard-like Guatemalan-style corn-masa tamales and the harder-to-find rice tamales, which are like a soupy Central American cousin to Chinese zongzi. The restaurant has a great deal on its extraordinarily flavorful Pollo Campero–style fried chicken — a whole leg, fries and a handmade tortilla for $11.95.

Top Dog

2534 Durant Ave., Berkeley

The original, and only remaining, location of Top Dog is a Berkeley late-night institution for good reason. The hot dogs, served on the shop’s signature toasty French rolls, are simply the best. One of them makes for a solid lunch (the garlic frankfurter is my favorite); two in one sitting feels like a downright feast. Note well: Most of the dogs are priced at $4.75, but the shop has a $5 credit card minimum. If you don’t feel like buying a soda, the mild, creamy potato salad is a nice add-on.

Alem’s Coffee

5353 Claremont Ave., Oakland

Strictly speaking, my favorite dishes at this classic Eritrean cafe are just above this roundup’s $12 threshold — the oniony egg frittata ($12.50) and the spice-redolent fava bean stew known as shihan ful ($13), both served with excellent crusty bread for dipping. On a hot day, though, it’s tough to beat the value on the $9 umbotito, a quirky, refreshing potato sandwich of sorts — slices of cold, al dente boiled potato topped with lettuce, tomatoes and onions in a light vinaigrette. The cafe’s location, across from the Oakland DMV parking lot, has made it the one bright spot in many otherwise dreary mornings.

Soukh Savanh 2.0

1707 Telegraph Ave., Oakland

Recently reborn in a prime Uptown location, the new, counter-service incarnation of this much-loved Lao-Thai restaurant has one of the most affordable menus in the neighborhood. The headliner is the selection of $10 rice plates, which are available all day long. I especially love the fermented Lao sausage, which Souk Savanh serves as crisp-edged meatballs — absurdly delicious when dunked in a runny-yolked fried egg (a $2 add-on); dipped in funky-sweet jeow som; and then scooped up, Lao-style, with a clump of sticky rice. Pro tip: For a near-perfect meal, two diners can split one rice plate and an order of nam khao (crispy rice ball salad) — one of the best versions in the Bay — for about $12 a person.

Banh Mi Ba Le

1909 International Blvd., Oakland

Ba Le’s #13 meatball-and-egg bánh mì shot to the top of my bánh mì rankings the first time I tried it, some 15 years ago — just an exquisite combination of juicy, peppery ground pork; a jammy-yolked fried egg; a big smear of buttery Vietnamese mayo; and both fresh and pickled vegetables. It’s still my favorite to this day. The only things that have changed is that the shop now keeps super-limited hours (Friday–Sunday only) and no longer has a dine-in area. The prices have crept up too, but at $6.30 a pop for most sandwiches on the menu ($7.25 for the #13), it’s still as good a bang for your buck as you can find in the East Bay.

Taqueria El Paisa

4610 International Blvd., Oakland

The beauty of Fruitvale is that you can get amazing, inexpensive tacos up and down International Boulevard, but this no-frills taqueria is the best of the best. Favorites include the decadent tripa (a divine combination of soft, squishy and crunchy textures) and the exquisitely tender, juicy suadero. These days, El Paisa tacos will run you $4.50 a pop — by no means the cheapest in the neighborhood — but they’re so rich and meaty that a two-taco lunch is usually all I want. A three-taco lunch? That’s cause for celebration (and maybe a short nap).

SAN FRANCISCO

Freddie’s Sandwiches

300 Francisco St., San Francisco

Freddie’s is the very definition of the low-key neighborhood deli that’s always there when you need it. I got lunch here at least once a week when I worked near North Beach, alternating between the Italian combo and the egg salad, both excellent, always on Dutch Crunch. Most sandwiches are priced at $10.95 for the small (but generously stuffed) 6-inch size — I never wanted anything bigger.

Lung Fung Bakery

1823 Clement St., San Francisco

Chinese bakeries are some of the best places to cobble together an S-tier struggle meal — to, for instance, drop $5 on a couple of barbecue pork buns and fill your daily meat and carb allowance. At Lung Fung in the Outer Richmond, the baked char siu buns aren’t just inexpensive, at $2.50 apiece; they’re also my very favorite version of this treat — beautifully golden-brown with a super-lush and meaty filling. If you’ve got a couple bucks to spare on dessert, Lung Fung’s egg custard tarts ($2.38) are also some of the best around. Cash only.

Yo Yo’s

318 Pacific Ave., San Francisco

This tiny, utterly unpretentious Japanese takeout shop feels like a miracle in the Financial District. Udon for $9? Six-piece unagi rolls for $3.25? Almost everything on the menu available as a (still-substantial) half portion? All in all, I’m hard-pressed to think of a more affordable lunch in the city. On days when I’m particularly cash-strapped, my go-to is the half order of cold soba ($5), which comes loaded with spinach, tofu puffs and crispy puffed rice, plus a refreshing hit of wasabi by request. But it’s hard to pass up on the curry chicken special ($12) when it’s available: two tender chicken legs, a hard-boiled egg and big chunks of carrot and potato in a spicy-sweet sauce that tastes more like home-cooked Thai massaman curry than your standard Japanese roux. It’s delicious, and enough food to stretch the leftovers into another meal. Cash only.

Good Mong Kok

1039 Stockton St., San Francisco

It’s easy to understand why this popular takeout dim sum spot draws some of the longest lines in Chinatown: The shop sells a huge assortment of extremely tasty, conveniently portable buns and dumplings for bargain-basement prices. Most items are between $2 and $4, perfect for sampling a good mix. The steamed buns here are especially great: uncommonly juicy and savory pork-and-vegetable buns (three for $3.80) and, my favorite, the truly enormous big (or “combination”) chicken bun ($2.80), which comes jam-packed with thigh meat, shiitakes, preserved sausage and hard-boiled egg — a whole meal unto itself. Cash only.

Yamo

3406 18th St., San Francisco

This narrow, eight-seat Burmese noodle counter in the heart of the Mission seems almost too charming to be real, with its older proprietress working three hot woks at a time while her daughter greets the shop’s diverse cast of twenty- and thirtysomething regular customers by name. Oh, and every single item on the menu costs $9 or less. The headliner here is the house noodles ($9), a simple and satisfying oil-slicked stir-fry topped with crispy garlic and your protein of choice. But everything I’ve tried has been tasty: the blazing-hot, shatteringly crispy potato samusas ($5) and the tea leaf salad ($9), which has a wonderful zip of heat that cuts through the funk of the fermented tea. Cash only.

Basa Seafood Express

3064 24th St., San Francisco

This bare-bones Mission District seafood counter is a neighborhood staple for affordable sushi rolls, sashimi and fried seafood dishes. My go-to lunch order is the shoyu salmon poke ($8.50) with a small side of rice — the combination of raw fish, seasoned soy sauce and hot rice is such a simple, exquisite pleasure in the middle of the workday. Also great: the impeccably fried, poboy-adjacent soft-shell crab burger ($11.50). There’s no dine-in seating, so you can bring your food home or find a park bench a couple blocks away for a nice al fresco meal.

SOUTH BAY AND PENINSULA

Fil-Am Cuisine

66 School St., Daly City

I don’t know if there’s such a thing as a perfect lunch, but two Filipino barbecue meat sticks over rice from Fil-Am Cuisine comes pretty close to my Platonic ideal — especially since it only costs $9.99. The sweet smell of the shop’s well-charred pork and chicken skewers ($3.75 each a la carte) is irresistible. Add a couple more to your order plus a large carton of pancit ($9), and you can feed the whole family. Cash only.

Keith’s Chicken & Waffles

270 San Pedro Rd., Daly City

The best thing about Keith’s is that it sells some of the crunchiest, most exceptionally well seasoned fried chicken you can find in the Bay Area, along with several varieties of crisp-edged, airy-light waffles. The second-best thing? The prices are so reasonable that they put even fast food chicken chains like Popeyes and Raising Cane’s to shame. Combo meals, which come with a waffle or side dish, start at $12, and there’s always a daily special — say, three wings and a Belgian waffle — for around $10.

Takahashi Market

221 S. Claremont St., San Mateo

The wonderfully varied assortment of musubis at this 120-year-old Japanese-Hawaiian market aren’t just one of the best lunch deals in town; they’re one of my favorite things to eat in the Bay Area, flat out. Just one of these hefty, seven-inch beauties will fill you up — the Spam musubi ($6.95) is a classic for good reason, but my personal favorite is the decadent, tobiko-topped salmon-and-crawfish musubi.

Taiwan Porridge

20956 Homestead Rd., Cupertino

For Taiwanese immigrants, this strip mall spot’s format is deeply nostalgic: a dazzling array of hot and cold dishes all meant to accompany big tureens of velvety sweet potato congee. Value-wise, the highlight is the $12.83 three-item lunch special (available until 4 p.m.), which puts the average Chinese takeout joint’s combo plate to shame with cozy, home-style options like cold lotus root salad, twice-cooked pork belly, anchovies stir-fried with peanuts, and loofah with scrambled eggs. If budget allows, you should absolutely pay an extra $1.83 to upgrade from regular steamed rice to congee — or better yet, get the four-item combo ($15.58) and split it with a friend. Taiwan Porridge also has locations in Milpitas and Fremont.

Apni Mandi

1111 W. El Camino Real, Sunnyvale

Not only is the hot food counter at Sunnyvale’s 24-hour Indian grocery store open all day and night, its $8.99 vegetarian thali platter is one of best deals around — a three-compartment foil clamshell container crammed full of rice, onion salad and your choice of two curries (I especially love the paneer makhani and the fritter-studded kadhi pakora), with a couple rounds of chapati on the side.

Duc Huong

1020 Story Rd. Ste. C, San José

My favorite South Bay bánh mì mini-chain is especially good for budget-minded diners because it offers a half-size sandwich option ($4.50 for most varieties), allowing lighter eaters to save some money — and giving heartier eaters the chance to sample two different sandwiches for the price of one. I love the classic #2 cold-cut combo the best, but the #8 (grilled pork topped with a fluffy egg omelette) is also pretty great, especially on garlic bread. Why not get both? Apart from its very busy original Story Road location, Duc Huong has three other shops around San José, plus one in Sacramento.

NORTH BAY

Guerneville Taco Truck

16632 Main St., Guerneville

Amidst all of Sonoma County’s frou-frou dining options, this taco truck — parked in a Safeway parking lot — is an oasis for locals and daytrippers looking for something more casual and inexpensive. Tacos are $3; the excellent (massive, totally shareable) breakfast burrito is $14. My favorite, the $12.50 fry-stuffed California burrito, has enough calories to keep you going all day. This is a must-stop for my family on our way to an Armstrong Woods hike, or on our way back from a day of Russian River Valley wine tasting.

What a Chicken

706 E. Washington St., Petaluma

This gem of a pollo asado shop sits near the gateway to wine country, slinging hearty portions of its exceptionally juicy and crisp-skinned char-grilled chicken at a good value in one of the Bay Area’s most expensive regions. The prices especially work in your favor if you come with a crowd: My standard order is a half ($18.99) or whole chicken plate ($34.99), which comes with rice, salsa and piping-hot handmade tortillas — plenty of food to feed two or four adults, respectively, at under $10 per person. Pro tip: I always add one of the shop’s meaty, slow-cooked pork ribs ($4.99) to my order. It’s just as good as the chicken.

Pupuseria Blankita

48 N. San Pedro Rd., San Rafael

Two of Blankita’s toasty, well-griddled pupusas make for the ideal post–Marin Farmers Market lunch — say, the revuelta ($5.50), with its classic pork, bean and cheese filling, and maybe the green-flecked zucchini and cheese ($4.50), both topped with a generous heap of bright, crunchy curtido. To mix it up, sometimes I’ll order just one pupusa and add a gooey, sugar-dusted fried plantain empanada ($5) for dessert.