It is locally noon.
Tropic of Cancer
The sun is directly overhead at the summer solstice at the Tropic of Cancer (23.5oN). This is as the most northernly latitude which has the sun directly overhead at any time of the year. A similar case happen at the winter solstice at the Tropic of Capricorn (23.5oS).
In the Southern Hemisphere the summer solstice occurs when the sun is the farthest south.
In the continental United States, the sun is never directly overhead at noon. The furthest north that the sun can be directly overhead is at the Tropic of Cancer, which is at approximately 23.5°N latitude. This means that only locations south of this latitude, such as parts of southern Florida, experience the sun directly overhead, and even then, it occurs only during the summer solstice, around June 21, for one day.
The northernmost latitude at which the sun can be directly overhead is around 23.44° north. That latitude is called the Tropic of Cancer, and the sun is directly over it at the moment of the June equinox.The southernmost latitude at which the sun can be directly overhead is around 23.44° south. That latitude is called the Tropic of Capricorn, and the sun is directly over it at the moment of the December equinox.
The Tropic of Cancer ... roughly 23.5 degrees north ... is the most northerly latitude where the sun can ever appear directly overhead.
The sun is directly overhead in Fort Worth, Texas, during the summer solstice, which occurs around June 21 each year. However, it is never exactly overhead at Fort Worth's latitude, as it is located at approximately 32.75 degrees north. The sun reaches its highest point in the sky around noon during this time, but it will not be directly overhead.
In Chesterfield, VA, the sun is directly overhead at solar noon during the summer solstice, which occurs around June 21. However, because Chesterfield is located at approximately 37.5 degrees north latitude, the sun will not reach directly overhead at any other time of the year. On that date, the sun will be at its highest point in the sky, but it will not be directly overhead like it would be in more tropical locations.
The Sun is directly overhead the same latitude at noon every day. It is over the equator at 0 degrees. Just because it is Halloween doesn't change anything.
The sun is never directly overhead in San Francisco due to its northern latitude. However, it reaches its highest point in the sky around noon during the summer solstice, which occurs around June 21. At this time, the sun is at an angle of about 76 degrees above the horizon. For locations farther south, the sun can be directly overhead, but in San Francisco, it will always be at an angle.
Tropic of Capricorn
I think that the sun is only ever directly overhead the equator at noon on any day of the year.