Cost of living in San Diego, CA
Livability score 44 · cost-of-living index 110.7 (US = 100)

How San Diego compares
Where San Diego falls within the range of all 200 metros (marker = this city).
Map of San Diego
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Cost of living
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Cost-of-living index (US=100) | 110.7 | metro-area | #188 of 200 |
| Grocery index (US=100) | 102.2 | metro-area | #167 of 200 |
| Big Mac price (est.) | $6.30 | metro-area | #188 of 200 |
| Median household income | $96,974 | metro-area | #13 of 200 |
| Median wage (all occupations) | $46,264 | metro-area | #33 of 200 |
Who lives here
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Median age | 37.1 years | metro-area | #61 of 200 |
| Bachelor's degree or higher (25+) | 42.1% | metro-area | #25 of 200 |
| Foreign-born residents | 22.5% | metro-area | #18 of 200 |
| Homes that are owner-occupied | 54.5% | metro-area | #194 of 200 |
Economy
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Unemployment rate | 6.34% | metro-area | #168 of 200 |
| Population growth (5-yr) | +0.2% | metro-area | #169 of 200 |
Housing — what your money buys
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Median home price | $946,365 | metro-area | #195 of 200 |
| Home price ÷ income (affordability) | 9.8× | metro-area | #193 of 200 |
| 1-yr home appreciation | -1.1% | metro-area | #160 of 200 |
| Price per square foot | $631 | metro-area | #195 of 200 |
| Typical home size (implied) | 1,500 sqft | ||
| Median rent (monthly) | $2,951 | metro-area | #192 of 200 |
| Homes for sale (inventory) | 7,607 | ||
| Median days on market | 16 | metro-area | #90 of 200 |
Taxes
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Total tax burden (est. % of income) | 13.5% | state | #169 of 200 |
| Combined sales tax | 8.82% | state | #150 of 200 |
| State income tax (top rate) | 13.30% | ||
| Capital gains tax | 13.30% | state | #180 of 200 |
| High earners | 1% Mental Health Services surtax on income over $1M (13.3% top rate) | ||
| Social Security in retirement | Not taxed — does not tax Social Security benefits | ||
| Effective property tax rate | 0.72% | metro-area | #61 of 200 |
| Median property tax paid | $5,214 | metro-area | #180 of 200 |
Health & childcare
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Life expectancy at birth | 80.3 years | metro-area | #19 of 200 |
| Healthcare (annual, single adult) | $7,200 | state | #139 of 200 |
| Uninsured (share of residents) | 7.3% | metro-area | #78 of 200 |
| Primary care providers per 100k | 84 | metro-area | #58 of 200 |
| Childcare (annual, infant, center) | $19,000 | state | #178 of 200 |
Vehicles & commute
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Annual registration | $300 | state | #174 of 200 |
| Vehicle property tax (annual) | 0.65% of value (~$182/yr) | state | #115 of 200 |
| Emissions testing | Required | ||
| Emissions detail | Smog check every 2 years in most counties | ||
| DMV & license offices | 30 | ||
| Avg commute to work | 26 min | metro-area | #140 of 200 |
| Commute by driving alone | 67.6% | metro-area | #28 of 200 |
| Solo drivers commuting 30+ min | 37.3% | metro-area | #147 of 200 |
Utilities & fuel
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Electricity | 35.3¢/kWh | state | #181 of 200 |
| Avg monthly electric bill | $317 | state | #181 of 200 |
| Gasoline | $4.85/gal | state | #182 of 200 |
| Natural gas (avg monthly bill) | $72 | state | #100 of 200 |
| Water & sewer (avg monthly bill) | $138 | state | #159 of 200 |
| Home internet (avg monthly bill) | $83 | state | #135 of 200 |
Insurance
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Home insurance (annual) | $1,500 | state | #51 of 200 |
| Auto insurance (annual) | $2,400 | state | #154 of 200 |
Disaster risk & supplemental insurance
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Main natural hazards | Notable hazards: wildfire, earthquakes — separate flood/quake/windstorm policies may be needed. | ||
| FEMA National Risk Index (0–100, higher = more risk) | 99.7 — Very High | metro-area | #196 of 200 |
| Flood insurance (annual, NFIP) | $750 | state | #90 of 200 |
| Earthquake insurance (annual) | $950 | state | #182 of 200 |
Climate & air quality
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Air quality (median AQI, lower=cleaner) | 71 | metro-area | #195 of 200 |
| Cooling degree-days (AC load) | 1,000 | metro-area | #78 of 200 |
| Homes with air conditioning (state) | 72% | state | #171 of 200 |
| Heating degree-days (heat load) | 2,200 | metro-area | #51 of 200 |
| Days per year ≥ 90°F | 10 | metro-area | #45 of 200 |
| Days per year ≥ 100°F | 1 | metro-area | #105 of 200 |
| Avg summer high (state) | 84°F | metro-area | #37 of 200 |
| Avg winter low | 45°F | metro-area | #20 of 200 |
| Annual precipitation | 9.8" | metro-area | #10 of 200 |
| Annual snowfall | 0.0" | metro-area | #1 of 200 |
| Sunshine (% of possible) | 68% | metro-area | #34 of 200 |
| Plant hardiness zone | 9b | ||
| Frost window | 01-31 → 12-31 |
Safety
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Violent crime (per 100k, state avg) | 500 | state | #161 of 200 |
| Property crime (per 100k, state avg) | 2,330 | state | #112 of 200 |
Local amenities & recreation
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Grocery stores | 66 | metro-area | #99 of 200 |
| Parks | 85 | ||
| Hiking areas | 39 | ||
| Golf courses | 39 | ||
| Shooting ranges | 13 | ||
| Lakes | 10 |
Permits
| Metric | Value | Scope | US rank |
|---|---|---|---|
| Building permit difficulty (1–5) | 5 | state | #165 of 200 |
| Permit detail | Very difficult; CEQA + local review, esp. SF/coastal |
US rank = this metro's position among all 200 metros (1 = best: cheapest / safest / highest income, etc.). Childcare is a family cost, not included in the salary-equivalence total.
Top employers in San Diego
Major public and private employers in the San Diego, CA area.
Salaries by occupation in San Diego
Local median pay, BLS OEWS. All occupations →
| Occupation | Median pay |
|---|---|
| Marketing Managers | $169,420 |
| Lawyers | $165,280 |
| Financial Managers | $164,580 |
| Dentists | $162,750 |
| Human Resources Managers | $160,930 |
| Pharmacists | $157,030 |
| Software Developers | $152,600 |
| Physician Assistants | $138,500 |
| Registered Nurses | $132,750 |
| Data Scientists | $127,300 |
| Mechanical Engineers | $122,350 |
| Police & Sheriff's Patrol Officers | $109,540 |
| Dental Hygienists | $108,530 |
| Construction Managers | $106,100 |
| Physical Therapists | $105,480 |
| Civil Engineers | $99,280 |
| Elementary School Teachers | $94,320 |
| Web Developers | $93,340 |
| Accountants & Auditors | $89,120 |
| Electricians | $72,680 |
| Real Estate Sales Agents | $72,550 |
| Graphic Designers | $66,240 |
| Plumbers, Pipefitters & Steamfitters | $64,100 |
| Carpenters | $61,730 |
| Welders, Cutters & Solderers | $59,060 |
| Heavy & Tractor-Trailer Truck Drivers | $55,880 |
| Medical Assistants | $46,850 |
Find a job in San Diego
Cities in the San Diego area
San Diego (1,383,987) →Chula Vista (276,103) →Oceanside (173,722) →Escondido (151,114) →Carlsbad (114,745) →El Cajon (105,721) →Vista (98,392) →San Marcos (94,360) →Encinitas (61,942) →La Mesa (60,888) →Santee (59,497) →National City (56,345) →Poway (48,737) →La Presa (38,618) →Fallbrook (33,710) →Spring Valley (32,496) →Lemon Grove (27,482) →Imperial Beach (26,157) →Rancho San Diego (22,430) →Ramona (22,118) →Lakeside (21,759) →Winter Gardens (21,320) →Casa de Oro-Mount Helix (20,055) →Coronado (18,871) →Bostonia (16,850) →Alpine (15,911) →Camp Pendleton South (13,936) →Bonita (13,473) →Solana Beach (12,946) →Valley Center (10,929) →San Diego Country Estates (10,241) →
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