Cost of Living Breakdown
The cost of living in San Diego, CA is 60% higher than the national average. Here's how each category compares:
| Category | Index | vs National Avg |
|---|---|---|
| Overall | 160 | +60% |
| Housing | 240 | +140% |
| Groceries | 107 | +7% |
| Utilities | 115 | +15% |
| Transportation | 120 | +20% |
| Healthcare | 108 | +8% |
Housing Costs in San Diego
Housing is typically the largest expense. In San Diego, the housing index is 240 (national average = 100).
- Median home price: $900,000
- Median rent (1 bedroom): $2,300/month
- Median rent (2 bedrooms): $2,950/month
- Annual rent (1BR): $27,600/year
Housing in San Diego is significantly more expensive than average. Consider our mortgage calculator to understand what you can afford.
How Much Do You Need to Earn in San Diego?
To maintain the equivalent of a $50,000 salary at the national average cost of living, you would need to earn approximately $80,000 in San Diego. The median household income of $89,457 translates to a monthly budget of approximately $7,455.
Groceries & Everyday Expenses
The grocery index in San Diego is 107. Grocery prices are close to the national average.
Transportation & Utilities
Transportation costs sit at an index of 120, while utilities come in at 115. Getting around San Diego tends to be more expensive, including gas, insurance, and public transit.
Healthcare
Healthcare costs in San Diego are indexed at 108. Healthcare costs are close to or below the national average.
Compare to California
See statewide salary and tax data on our average salary in California page. Also see income data for this city on our average salary in San Diego page.
Financial Tools
Use our free calculators to plan your finances in San Diego:
- Mortgage Calculator — estimate your monthly home payment
- Home Affordability Calculator — see how much house you can afford
- Salary Calculator — convert hourly to annual pay
- Savings Goal Calculator — plan for your move or down payment