Should

Muni Be

Free?

Reframing transit funding, equity, and public mobility in San Francisco.

muniforpublic™

muniforpublic™

muniforpublic™

muniforpublic™

Minerva University
SFMTA
Minerva University
SFMTA
Minerva University
SFMTA
S02 — HOW WE GOT HERE
How we
got here.

The research question has been revised four times. Each version reflects what the evidence told us next.

v1 · Initial

01
v2 · Refined

02
v3 · Pivot

03
v4 · Final

04
TEAM PHOTO
add via property control →
THE TEAM

S03 — MUNI'S BUDGET PROBLEM IS STRUCTURAL
$300M+
Annual projected Muni deficit
Muni Fiscal Health — 2019-2027Federal relief hid a structural gap. The gap is back.
2019
Baseline. Fare revenue $197M.
2020-22
$2.1B federal aid masks the cliff.
2025
Fare revenue $108M. Ridership 70–75%.
2026
Deficit above $300M. No safety net.
+$200M$0-$300MFY19FY20FY21FY22FY24FY26FY27CLIFF
< 8%
Fares as share of operating budget
70–75%
Ridership vs. pre-COVID levels
FY19 fare revenue $197M FY25 fare revenue $108M
-45%-45%
Fare revenue has fallen 45% since FY19 while ridership recovered only to 70–75% of pre-pandemic levels. Annual deficits now top $300M. Federal emergency aid is gone. The status quo leads to service cuts by 2026.
muniforpublic(tm) — S03
S04 — WHY FARES DON'T WORK
The current model is weak
and regressive.

Fare evasion is not a morality problem. It is evidence that the fare system is misaligned with rider realities.

~20%
of riders do not pay a fare. Non-payment reflects affordability barriers, payment friction, and system misalignment — not intent.
CURRENT SYSTEM
Built to collect,
not to serve.
Fare collection

Clipper taps, paper transfers, back-office reconciliation, and inspector patrols — a collection machine built in the era of high farebox recovery.

Enforcement

Inspectors catch roughly 8% of violations. Doubling staff drops evasion by ~30% — still leaves 70% undetected.

Framing

Non-payment is treated as a moral failure. The system assumes riders can pay and choose not to.

RIDER REALITIES
Why people don't
pay the fare.
Affordability

~20% of riders do not pay a fare. Non-payment tracks poverty, not intent.

Payment friction

Unbanked riders, expired cards, broken readers, and a learning curve on Clipper push riders off the system — not onto it.

System misalignment

Fares shift cost onto the riders least able to pay, while 92% of Muni's operating budget already comes from parking, taxes, and state/federal funds.

SFMTA Revenue Split
8%
Fares
34%
Taxes
28%
State/Fed
30%
Parking & Other

Charging fares shifts costs onto riders least able to pay. The question isn't how to enforce harder. It's whether the fare system earns its place at all.

5 OWL14 OWL38 OWL91 OWLN OWL
THE SUNSETEXCELSIORCHINATOWNBAYVIEWMISSIONRICHMOND
ACT I — THE NETWORK
80+ routes.
24-hour coverage
on key lines.
This is what San Francisco's transit network looks like today. Every glowing line is a route. Every route is a lifeline.
Current annual cost to maintain: $1.3B
Annual shortfall by 2026: $320M
SCROLL
ACT II — THE CUTS
The city doesn't
disappear all at once.
Lower-utilized routes go first. The math is simple. The geography is not random.
OUTER NEIGHBORHOODSCUT FIRST
MOST WALKABLE, WEALTHIEST AREASCUT LAST
Watch the Sunset dim. Watch the Excelsior go dark. These are not abstract budget lines — they are the buses people wait for in the rain.
CUT SEQUENCE
28 — 19th Ave
29 Excelsior
L Taraval
44 O'Shaughnessy
5 Fulton
T Third Street
N Judah
14 Mission
38 Geary
22 Fillmore
ACT III — 9:00 PM
YOUR CITY
DISAPPEARS.
9:01 PM
A black overlay sweeps the map. Not gradual. Sudden. Like a power cut. Because that's what it feels like to be stranded — it doesn't dim, it just stops.
After 9 PM, only the 5 Owl buses remain. Five glowing dots in the darkness. For a city of 870,000 people.
ACT IV — THE HUMAN TOLL
ACT V — THE RIPPLE
The root
cause
gets worse.
Service cuts don't just hurt riders. They suppress downtown recovery — the very tax base Muni depends on.
BUS FREQUENCY — ROUTE 38 GEARY
TODAYEVERY 10 MIN
AFTER CUTSEVERY 20 MIN
$90M
projected service cut value — "significant negative impact on the city's economy"
— SF Controller's Office
Downtown recovery suppressed. Tax revenues fall further. The deficit grows. The cuts deepen. The city contracts from the outside in.

We are not asking whether to eliminate fares. We are asking why a collection system still exists when it brings in so little, costs so much, and shifts the burden onto the riders least able to pay. 

We are not asking whether to eliminate fares. We are asking why a collection system still exists when it brings in so little, costs so much, and shifts the burden onto the riders least able to pay. 

S05 — THE REAL GAP
The real question
is the net gap.
The headline number is $79.5M in lost fare revenue. The real number — after stripping out what it costs to collect and enforce fares in the first place — is $42.2M.
REVENUE REMOVED
Lost bus + LRV fare revenue

Revenue removed when Muni goes fare-free on buses and LRVs.

-$79.5M
OFFSET 01
Fare inspector labor savings

Eliminated enforcement workforce.

+$21.0M
OFFSET 02
Fare equipment + payment system O&M

Clipper readers, fareboxes, back-end payment integration.

+$13.3M
OFFSET 03
Back-office + enforcement overhead

Reconciliation, fare disputes, citation processing.

+$3.0M
NET IMPACT
Net operating impact

The real gap to close.

-$42.2M
$1.3B
SFMTA annual operating budget
3.2%
$42.2M as share of operating budget
8%
Violations currently caught

"$42M is the number to close.
Not $80M. Not $300M. Forty-two."

S06 — WHY THIS HELPS SAN FRANCISCO
Why this helps
San Francisco.

Free Muni is not just a fare change. It compounds across equity, reliability, and citywide access — three outcomes the current system actively works against.

01
Equity

Free riders first. Not symbolic.

Removes fares for the ~20% of riders who already can't afford them
Ends enforcement actions that fall hardest on low-income and unbanked riders
Treats mobility as a public good, not a means-tested benefit
02
Reliability & Speed

Boarding becomes boarding.

No fumbling for Clipper, no farebox delay — all-door boarding by default
Faster dwell times at stops, meaning faster trips and better on-time performance
Less operator conflict at the front of the bus
03
Citywide Mobility & Access

Muni becomes infrastructure.

One system, no cost barrier — riders can take any route for any reason
Unlocks non-commute trips: school, healthcare, groceries, civic life
Reinforces SF's climate and density goals by making transit the default

Fares don't hurt everyone equally. Removing them doesn't help everyone equally either. That's the point.

S03 — What Free Muni Feels Like
Four scenes from a different city.
Scroll to scrub through each scenario.
S01 — Free Muni1 / 4
Boarding without fumbling
No fare card. No tap. Just walk on. Watch what happens when the friction disappears.
S02 — Free Muni2 / 4
A city that moves together
When cost isn't the question, the whole city becomes accessible — from any neighborhood.
S03 — Free Muni3 / 4
Free to explore
Students, seniors, workers — all riding without a second thought about money.
S04 — Free Muni4 / 4
Less cars. More city.
Fewer cars on the road. Cleaner air. Faster buses. The system rewards itself.
S07 — PRECEDENT
This is not
without precedent.

Three US cities have already moved beyond the fare debate. The ridership gains are not speculative — they're measured.

Kansas City, MO
2020
+30% ridership

First major US city to go fare-free on all buses. A zero-fare system that increased ridership by over 30% and was funded through local municipal allocation.

Boston, MAPilot
2022
+35% ridership

Fare-free bus pilots on three high-ridership routes produced ridership gains exceeding 35% and measurably faster service speed. The pilot was extended on the strength of the results.

Washington, D.C.
2023
Citywide municipal funding

DC committed municipal funding to eliminate bus fares citywide. The Metrobus system went fare-free with no service cuts required to absorb the program.

San Francisco's net gap is $42M. Three US cities have already closed gaps of similar shape. This is not speculative — it's a playbook.

S08

How Could
San Francisco
Pay For It?

Free Muni isn't funded by one hero. It's funded like infrastructure: three complementary streams — employers, visitors, and targeted public subsidies — sized to close a ~$42M net gap.

Net operating gap: ~$42M / year
After stripping out fare collection + enforcement savings — see Section 5 for the bridge calculation.
01
Employer Contributions
Who pays
Large SF employers, per employee above a size threshold
Why fair
Businesses benefit directly from workforce access, reliability, and reduced parking demand
Estimated potential
$20–50M / yr
Political difficulty
Medium
learn more →
02
Visitor & Event Value Capture
Who pays
Visitors (hotel add-on, visitor mobility pass, event-tied surcharges)
Why fair
Captures willingness-to-pay without reburdening residents; SF hosts ~25M visitors/yr
Visitor adoption rate10%
$50M/ year estimated
Example scenario: 10% of 25M visitors × $20.
Estimated potential
$10–50M / yr
Political difficulty
Low–Medium
learn more →
03
Targeted Public Subsidies
Who pays
Time-bound city, state, and federal allocations (FTA + CA equity programs)
Why fair
Matches transit equity + climate goals; aligns with outcomes the city is already funding
Estimated potential
$10–30M / yr
Political difficulty
Low
learn more →
No single source has to carry this.

A mix of employer contributions, visitor value capture, and targeted public subsidies can close ~$42M without raising resident taxes.

This is a funding redesign — not a fare debate.
S09 — THE DELIVERABLE
Same debate.
Every cycle.
Free Muni has been debated since 2007. Every time the moment passes, the next campaign starts from zero. Arguments rebuilt. Coalitions re-mapped. Memory walks out the door.
2007
Newsom's controller report
2013
Free Muni for Youth campaign
2021
Dean Preston's pilot
2024
Debate resurfaces. Starts from zero.
WHAT WE BUILT
MuniForPublic
A civic intelligence platform that captures campaign memory — so the next champion inherits a running start, not a blank page.
MuniForPublic
Same platform. Three doors in.
01
Advocates
Coalition maps, messaging frameworks, campaign history
02
Policy Staffers
Fiscal mechanics, legal constraints, funding pathways
03
Elected Officials
Narratives, talking points, political timing
HOW IT WORKS
Five knowledge blocks.
Answering the questions that always resurface.
01
History & Precedent
Every past campaign, what worked, what didn't
02
Stakeholder Map
Who supports, who opposes, who's movable
03
Funding Pathways
Revenue sources that replace fare revenue
04
Objection Bank
Every counterargument, pre-rebutted
05
Political Timing
Triggers, windows, election cycles
Timeline
AI-NATIVE SEARCH
Every piece of research is converted into vector embeddings. You don't need the right keyword — ask in plain English.
"What happened when Wiener opposed this in 2013?"
System retrieves relevant campaign memory and tailors the response — even if those exact words aren't in any document.
DISTRIBUTION
Three moves.
Making sure this gets used.
01
Supervisor Fielder's Office
Direct outreach. Our most likely policy champion.
02
Transit Organizations
SF Transit Riders, Transform, Public Advocates. Handing them a tool.
03
The Public
Live and open. Anyone can browse it. Anyone can build on it.
2-3 years
The window opens when the economy recovers, a crisis creates a funder, or a supervisor needs a signature issue.
Public transit is public.
Like a park. Like a library.
Muni should work the same way.

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Show your approval

S10 — ABOUT
TEAM PHOTO
add via property control →
Should Muni
be free?
CIVIC PARTNER

In collaboration with SFMTA

ACKNOWLEDGEMENTS

Thanks to the SFMTA staff, transit advocates, riders, and civic partners who shared time, data, and pushback throughout the process.

This project developed through iterative research, prototyping, and stakeholder feedback.

muniforpublic™