San Diego is one of the most desirable places to live in the United States — and one of the most expensive. If you’re considering a move, understanding the true cost of living in San Diego is critical before making a decision.
This guide breaks down real-world costs, what surprises most newcomers, and who San Diego makes financial sense for (and who it doesn’t).
If you’re still deciding where to live, explore our San Diego City Guides to compare cities by lifestyle, budget, and location.
Is San Diego Expensive?
Yes — San Diego is expensive compared to the national average, but how expensive depends heavily on where and how you live.
The biggest factors that affect your cost of living are:
- Housing (by far the largest expense)
- Proximity to the coast
- Household size
- Lifestyle expectations
Two households earning the same income can have dramatically different experiences depending on location.
Housing Costs in San Diego
Renting in San Diego
Rent prices vary widely by neighborhood and proximity to the ocean.
Typical monthly rent:
- 1-bedroom apartment: $2,400–$3,200+
- 2-bedroom apartment: $3,000–$4,200+
- Single-family home: $3,800–$6,000+
Coastal areas like Carlsbad, Encinitas, and Del Mar command a premium, while inland cities such as Vista, San Marcos, and Escondido are generally more affordable.
Buying a Home in San Diego
Home prices are high, and entry-level homes are limited.
Approximate home prices:
- Coastal North County: $1.2M–$2M+
- Central San Diego: $850K–$1.3M
- Inland North County: $700K–$950K
Many buyers moving to San Diego are surprised by:
- Smaller lot sizes
- Older housing stock
- Competition in popular school districts
Utilities and Monthly Bills
Utilities in San Diego are higher than many newcomers expect, mainly due to electricity rates.
Average monthly utilities:
- Electricity & gas: $150–$250
- Water, sewer, trash: $100–$150
- Internet: $70–$100
- Cell phone: $70–$120
Air conditioning costs can add up in inland areas during summer, while coastal homes often rely on natural cooling.
Transportation Costs
San Diego is a car-dependent city.
Typical transportation expenses:
- Gas: Above national average
- Car insurance: Moderate to high
- Parking: Free in many suburbs, limited in urban cores
Public transit exists but is not sufficient for most households. If you move here, expect to own at least one vehicle.
Taxes in San Diego (California)
California taxes are a major consideration.
- State income tax: Progressive, higher than most states
- Sales tax: ~7.75%–8% depending on city
- Property tax: Around 1.1% of assessed value
There is no local city income tax, but overall tax burden can surprise transplants from lower-tax states.
Food, Dining, and Lifestyle Costs
Groceries and dining are slightly above national averages.
- Grocery bills are moderate
- Dining out is common but adds up quickly
- Craft beer, coffee, and coastal dining carry premium prices
Outdoor activities like beaches, hiking, and parks are mostly free — which helps offset lifestyle costs.
Coastal vs Inland Cost Differences
For a deeper breakdown, see our guide comparing coastal vs inland San Diego living.
One of the biggest cost levers is distance from the ocean.
Coastal Living
Pros:
- Cooler weather
- Walkability
- Beach access
Cons:
- Significantly higher housing costs
- Smaller homes
- Parking challenges
Inland Living
Pros:
- Lower home prices
- Larger homes and yards
- Better value for families
Cons:
- Hotter summers
- Longer commute to the coast
Many newcomers start inland and move closer to the coast later.
What Income Do You Need to Live Comfortably in San Diego?
Rough estimates:
- Single person: $85,000–$110,000
- Couple: $140,000–$180,000
- Family of four: $180,000–$220,000+
Lifestyle expectations matter. Living near the beach, dining out frequently, and private schools increase costs dramatically.
Who San Diego Makes Sense For (and Who It Doesn’t)
San Diego Works Well For:
- Dual-income households
- Remote workers with coastal salaries
- Buyers prioritizing lifestyle over space
- Long-term planners
San Diego Is Challenging For:
- Single-income households
- First-time buyers without equity
- People expecting large homes near the coast
- Anyone on a tight fixed income
Final Thoughts: Is San Diego Worth the Cost?
For many people, the lifestyle, weather, and outdoor access justify the expense. For others, the cost creates constant financial pressure.
Understanding where you can afford to live is more important than deciding whether San Diego is expensive — because the experience varies dramatically by city and neighborhood.
Thinking About Moving to San Diego?
If you’re trying to decide which areas fit your budget and lifestyle, explore our San Diego City Guides or reach out for a personalized recommendation based on your goals.
Email: jessica@appleyrealty.com
Moving to San Diego 