Updated · 2026 tax rules · Data: IRS, BLS, BEA, HUD · How we calculate

Cost of Living in San Diego, CA

San Diego-Chula Vista-Carlsbad, CA — prices, rents and what jobs really pay here after taxes.

Price level
111.9
U.S. average = 100 · #6 of 387
Median wage
$58,690
all jobs · $3,917/mo take-home
1-bedroom rent
$2,459
HUD fair market rent
▲3.7%
Pay trend: The median for all workers in San Diego, CA rose from $56,580 (May 2024) to $58,690 (May 2025). That beat inflation (2.4%), a real raise of about 1.3%.

Salary comparison calculator

What would you need to earn in San Diego, CA to keep the same lifestyle — after taxes — as in another city?

Cost of living calculator

Uses BEA price levels plus 2026 federal and state taxes in each city's state.

Salary needed to keep your lifestyle
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    How expensive is San Diego, CA?

    With a price level of 111.9 (U.S. average = 100), San Diego, CA is one of the most expensive places in the country. In detail, housing costs run 79% above average; everyday goods run 8% above average; utilities run 74% above average; other services such as healthcare and dining cost about the same as the national average. The biggest difference from the national average is in housing.

    Prices in San Diego, CA vs. the U.S. average

    CategoryIndex (U.S. = 100)Difference
    All items111.9+11.9%
    Housing179.3+79.3%
    Goods108.0+8.0%
    Utilities174.2+74.2%
    Other services99.6−0.4%

    Source: BEA Regional Price Parities, 2024.

    Rent in San Diego, CA

    UnitMonthly rentIncome needed (30% rule)
    Studio$2,288$91,520/yr
    1 bedroom$2,459$98,360/yr
    2 bedrooms$3,001$120,040/yr
    3 bedrooms$3,998$159,920/yr
    4 bedrooms$4,845$193,800/yr

    HUD Fair Market Rents, FY2026, population-weighted across the metro's counties.

    Salary needed to live in San Diego, CA

    To keep the same standard of living as in an average-priced U.S. city, you would need to earn roughly:

    Salary in an average U.S. cityEquivalent in San Diego, CATake-home here
    $40,000$44,800$36,813
    $60,000$67,100$53,007
    $80,000$89,500$66,536
    $100,000$111,900$79,920
    $150,000$167,800$112,400

    Scaled by the BEA price level (pre-tax). Take-home: single filer, California 2026 taxes. For a tax-aware comparison with a specific city, use the calculator above.

    A monthly budget on the median wage

    A single worker earning San Diego, CA's median wage of $58,690 takes home about $3,917 a month. A typical one-bedroom rents for $2,459, which is 63% of take-home pay — well above the 30% guideline, so many workers here share housing or rent smaller units. That leaves about $1,458 a month for everything else.

    Take-home pay in San Diego, CA

    Paycheck in San Diego, CA
    Deductions, kids & local tax

    2026 tax year. Federal brackets from IRS Rev. Proc. 2025-32.

    Your take-home pay
    $47,004
    per year · effective tax rate 19.9%
    $3,917Monthly
    $1,958Twice a month
    $1,808Every 2 weeks
    $22.60Hourly
    • Federal income tax$4,863
    • Social Security (6.2%)$3,639
    • Medicare (1.45%)$851
    • California income tax$1,571
    • CA State Disability Insurance (SDI)$763
    • Take-home pay$47,004

    Marginal rate: 12% federal + 6.00% state

    Highest-paying jobs in San Diego, CA

    JobMedian salaryTake-homeReal value*
    Physicians, All Other$239,200+$199,604$178,398
    Chief Executive$238,440$154,548$138,128
    Natural Sciences Manager$207,200$136,496$121,995
    Computer and Information Systems Manager$206,740$136,206$121,735
    Architectural and Engineering Manager$202,810$133,728$119,521
    Lawyer$178,220$118,418$105,837
    Marketing Manager$174,840$116,466$104,092
    Computer Hardware Engineer$174,440$116,235$103,886
    Financial Manager$174,210$116,102$103,767
    Managers, All Other$169,240$113,232$101,202
    Pharmacist$165,130$110,858$99,080
    Software Developer$163,270$109,784$98,120
    Education Administrators, Kindergarten through Secondary$163,200$109,744$98,084
    Electronics Engineers, Except Computer$156,480$105,863$94,616
    Registered Nurse$139,520$96,068$85,862
    Medical and Health Services Manager$138,080$95,237$85,119
    Construction Manager$133,210$92,424$82,605
    Engineers, All Other$132,790$92,182$82,388
    Data Scientist$130,990$91,142$81,459
    Medical Scientists, Except Epidemiologists$130,980$91,137$81,454

    *In U.S.-average dollars after adjusting for local prices.

    Pay and living costs in California cities

    Half of California’s 18,213,700 workers earn less than $58,240 a year and half earn more; the middle 50% earn $41,600–$97,880 (BLS, May 2025). Prices vary a lot within the state: San Jose, CA stretches a paycheck furthest, while Salinas, CA is the costliest.

    Metro areaMedian payPrice level1-BR rentRent shareLeft after rent / moBuying power*
    Los Angeles, CA$55,850113.6$2,24560%$1,499$39,562
    San Francisco, CA$74,260115.6$2,62055%$2,161$49,629
    Riverside, CA$48,400106.4$1,77754%$1,514$37,097
    San Diego, CA$58,690111.9$2,45963%$1,458$42,010
    San Jose, CA$84,050110.4$2,95756%$2,316$57,306
    Sacramento, CA$59,750106.7$1,81246%$2,169$44,790
    Fresno, CA$46,910102.2$1,31541%$1,885$37,586
    Bakersfield, CA$47,470100.9$1,14035%$2,094$38,467
    Oxnard, CA$52,510110.5$2,25064%$1,291$38,440
    Stockton, CA$48,990105.1$1,39542%$1,931$37,985
    Santa Rosa, CA$56,850107.8$2,15557%$1,650$42,362
    Santa Maria, CA$51,690108.8$2,74679%$745$38,503
    Modesto, CA$50,610104.1$1,35640%$2,069$39,479
    Salinas, CA$47,380109.0$2,23269%$996$35,529
    Visalia, CA$45,13099.8$1,12336%$1,965$37,126

    *Yearly take-home pay (on each metro’s median wage, single filer) in U.S.-average dollars. Price level: BEA RPP 2024 (U.S. = 100). Rent: HUD FY2026 one-bedroom fair market rent.

    San Diego, CA vs. similar-size cities

    Metro areaPrice level1-BR rentMedian wageJobs
    San Diego, CA111.9$2,459$58,6901,538,060
    Denver, CO105.8$1,754$62,3201,609,350
    Tampa, FL100.9$1,696$48,9401,447,120
    Orlando, FL101.4$1,731$46,6301,411,730
    Charlotte, NC97.3$1,428$49,9901,358,370
    Baltimore, MD104.5$1,511$59,0701,356,680
    St. Louis, MO95.1$989$49,9901,341,320

    Frequently asked questions

    Is San Diego, CA expensive to live in?

    According to the Bureau of Economic Analysis, overall prices in the San Diego-Chula Vista-Carlsbad, CA metro area are 111.9% of the U.S. average, with housing at 179.3%. It is the #6 most expensive of 387 metro areas we track.

    What salary do you need to live in San Diego, CA?

    To match the buying power of a $60,000 salary in an average-priced U.S. city you would need about $67,132 in San Diego, CA (before tax differences). The median wage across all jobs here is $58,690.

    Can you afford San Diego, CA on the median wage?

    A single worker on the $58,690 median wage takes home about $3,917 a month after 2026 taxes; a one-bedroom at $2,459 would take 63% of that.

    How much is rent in San Diego, CA?

    HUD’s FY2026 fair market rents for San Diego, CA are $2,288 for a studio, $2,459 for one bedroom, $3,001 for two bedrooms and $3,998 for three bedrooms, including utilities.

    Top salaries by field in San Diego, CA

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    Installation, Maintenance, and Repair Occupations

    Production Occupations

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