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Cost of Living in
San Diego

Rank #14
To compile our rankings, we analyzed the factors associated with living costs like housing, transportation, groceries, utilities, and healthcare.
Living cost is 46% higher than avg
Families spend upto $12,820/mo on avg
Homeowners spend $12,447/mo on avg
Renters spend $7,364/mo on avg

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San Diego, CA is the #14 Most Expensive City in the U.S.

U.S. Avg.

San Diego, CA

Difference Diff

Home Price

$358,401

$1,147,265

220%

Apartment Rent (per month)

$1,367

$3,139

130%

U.S. Avg.

San Diego, CA

Difference Diff

Phone (per month)

$219.4

$182.29

17%

Total Energy (per month)

$200.23

$397.54

99%

U.S. Avg.

San Diego, CA

Difference Diff

Grocery Staples

Corn Flakes (per box)

$6.79

$6.54

Frozen Corn (per bag)

$2.41

$2.4

Frozen Meal (per package)

$4.85

$4.15

14%

Cooking Oil (per bottle)

$6.16

$10.29

67%

Detergent (per bottle)

$19.51

$21.38

10%

Facial Tissues (per box)

$2.85

$2.54

11%

Sweet Peas (per can)

$1.83

$2.19

20%

Sugar (per bag)

$4.66

$5.36

15%

Bread (per loaf)

$3.87

$4.46

15%

Frying Chicken (per lb)

$1.64

$2.7

65%

Meat & Poultry

Chicken (per lb)

$1.71

$3.33

95%

Steak (per lb)

$14.54

$16.66

15%

Sausage (per lb)

$5.23

$5.83

11%

Ground Beef (per lb)

$8.61

$7.9

Snacks & Beverages

Soft Drink (per bottle)

$3.45

$2.93

15%

Potato Chips (per bag)

$5.54

$4.55

18%

Coffee (per lb)

$6.55

$7.18

10%

Fresh Orange Juice (per half gallon)

$5.22

$4.94

Fruits & Vegetables

Peaches (per can)

$4.4

$3.29

25%

Lettuce (per head)

$1.98

$2.15

Bananas (per lb)

$0.64

$0.82

28%

Potatoes (per bag)

$5.58

$5.08

Dairy & Eggs

Parmesan Cheese (per lb)

$4.69

$4.94

Margarine (per lb)

$1.3

$1.88

45%

Eggs (per dozen)

$3.98

$3.92

Whole Milk (per gallon)

$4.08

$5.18

27%

Seafood

Chunk Light Tuna (per can)

$1.22

$1.43

17%

U.S. Avg.

San Diego, CA

Difference Diff

Tire Balance (per tire)

$70.23

$82.68

18%

Gasoline (per gallon)

$2.9

$4.6

59%

U.S. Avg.

San Diego, CA

Difference Diff

Doctor Visit (per visit)

$116.03

$157.5

36%

Dentist Visit (per visit)

$145.11

$121.7

16%

Ibuprofen (per bottle)

$12.38

$12.29

Prescription Drug (per month)

$20.8

$21.18

Optometrist Visit (per visit)

$95.27

$141.56

49%

U.S. Avg.

San Diego, CA

Difference Diff

Women’s Slacks

$35.43

$35

Boys’ Jeans

$29.47

$36.36

23%

Men’s Shirt

$39.36

$38.27

Wine (per bottle)

$7.51

$9.87

31%

Beer (per 6-pack)

$11.17

$11.27

Veterinary Services (per visit)

$65.33

$92.63

42%

Tennis Balls (per pack)

$3.59

$3.92

Yoga (per class)

$12

$24.75

106%

Movie (per ticket)

$11.67

$17.37

49%

Newspaper (per copy)

$19.31

$18.4

Washer Repair (per service)

$109.47

$97.61

11%

Women Slacks

$34.88

$37.56

Boy Jeans

$29.51

$34.16

16%

Man Dress Shirt

$39.05

$39.37

Dry Cleaning (per item)

$13.45

$22.07

64%

Shampoo (per bottle)

$1.55

$1.61

Toothpaste (per tube)

$3.64

$3.99

10%

Beauty Salon (per visit)

$47.5

$68.94

45%

Haircut (per cut)

$27.08

$29.38

Fried Chicken (per serving)

$4.37

$6.56

50%

Pizza (per pizza)

$11.99

$15.19

27%

Hamburger (per serving)

$5.28

$6.86

30%

The cost of living in San Diego is 46% higher than the national average, and it's easy to see why. With year-round sunshine, 70 miles of coastline, and major employers in biotech and defense, San Diego attracts people looking for an active lifestyle and professional growth. Whether you're into surfing before work or building a career in life sciences, the city blends outdoor living with economic opportunity.

Housing is 115% higher than the national average. The median home price in San Diego, California, is 1,147,265, compared to the national median of $437,864. Most homes for sale in San Diego require a down payment of 15% to 20%, which can cost between $143,000 and $191,000. Monthly mortgage payments are also 45% to 55% higher than the national average, depending on the loan type.
Renting in San Diego is 129.63% higher than the national median of $1,530. A one-bedroom apartment in San Diego costs around 3,139 per month, while a two-bedroom averages $3,400. Despite the price, many rentals do not include amenities like central air, private parking, or outdoor space. In-unit laundry and pool access are common, but space is limited in most urban areas.
Utilities are 40% higher than the national median. Expect to pay $220 to $280 per month for basic utilities like electricity, water, and trash in a two-bedroom apartment. The Internet adds another $75 to $95 monthly. If your property is in a wildfire-prone area, fire insurance may cost an additional $800 to $1,200 per year. HOA fees range from $250 to $600 per month, depending on your community and location.
Food prices in San Diego are 8% higher than the national median. A family of four can expect to spend $1,300 to $1,600 per month on groceries, while a single adult will spend around $450 to $600, depending on dietary habits. A gallon of milk costs about 5.18, eggs are $4.25, and a loaf of bread is $3.75. Dining out is also more expensive in San Diego, especially in neighborhoods like North Park and Little Italy.
Transportation costs in San Diego are 28.28% higher than the national median. Gas prices average $5.20 per gallon, about 20% more than the US median. Monthly car insurance premiums range from $200 to $225, which is 10% to 20% higher than the national average of $183. Public transportation is limited. A monthly MTS pass costs $72, but coverage may not reach all areas of the city.
Healthcare costs in San Diego are 1.69% higher than the national median. A routine check-up typically costs around $153, and emergency room visits can range from $2,300 to $2,800 without insurance. While not the most affordable in California, San Diego offers access to top-tier healthcare through renowned providers like UC San Diego Health and Scripps Health, which helps justify the slightly elevated costs.
Miscellaneous expenses are 14.82% higher than the national median. Gym memberships in San Diego typically cost $85 to $160 per month. Childcare expenses are around $1,400 per child per month. Entertainment and local outings can also be pricey—expect to spend $72 for a family trip to the San Diego Zoo or over $100 for a visit to SeaWorld, including food and parking.

Moving to Los Angeles? Be ready to pay more. But hey, the sunshine’s free—just make sure your paycheck can handle everything else! 👉Next Step: Compare single-family homes in San Diego, California.

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Is Living in San Diego, CA Too Expensive?

Yes, San Diego is expensive to live in. The cost of living is 46% higher than the national average, driven mostly by sky-high housing prices — San Diego home prices are about 115% higher than the U.S. median.

In neighborhoods like Clairemont and Serra Mesa, single-family homes often list for $900,000 or more. In areas such as Mission Valley and University Heights, even condos and townhomes typically start between $600,000 and $800,000. Properties under $600,000 are rare and usually limited to multi-family homes or studios farther inland. Add in the elevated costs of gas, groceries, and utilities, and overall expenses in San Diego are significantly above average.

Housing in San Diego

San Diego's housing market is among the most expensive in the U.S., with home prices and rents far above the national average. Whether you're buying with a $6,000 mortgage or renting a one-bedroom home in San Diego for $2,800, expect to pay a premium for the sun and surf. Here's what it costs to live here based on your lifestyle and budget.

For young adults or single buyers, areas like North Park, Normal Heights, and Golden Hill are in demand. These neighborhoods offer access to bars, cafes, and the MTS trolley system. A 1-bedroom home for sale in North Park typically costs $575,000, while a condo in Normal Heights can reach $750,000. At these prices, monthly mortgage payments range from $3,100 to $4,600, not including taxes or insurance.
For married couples with young children, expect to spend $1 million to $1.4 million for a 3-bedroom home in Carmel Valley, Tierrasanta, or Scripps Ranch. These areas are known for quiet streets, parks, and strong elementary schools like Ocean Air and Jerabek. Most homes are Spanish-style with private yards. Monthly mortgage costs typically fall between $6,000 and $8,200.
For families with older children, neighborhoods like Rancho Peñasquitos, Torrey Highlands, and Poway offer larger homes and access to top-rated schools. A 4-bedroom home in Rancho Peñasquitos or a luxury property in Poway will cost between $1.2 million and $1.8 million. Mortgage payments usually range from $7,200 to $10,500.

Renting in San Diego

For young adults or single renters, neighborhoods like South Park, Bankers Hill, and East Village offer a mix of nightlife, walkability, and proximity to downtown. A one-bedroom home in Bankers Hill rents for $2,500 to $2,800, while a high-rise in East Village can cost up to $3,000.
For married couples with young children, neighborhoods like Serra Mesa, Allied Gardens, and Bay Ho offer quiet streets, parks, and proximity to elementary schools. A two-bedroom home in San Diego rents for $3,500 to $4,800. Families also benefit from community recreation centers, playgrounds, and quick freeway access for commuting.
For families with older children, consider Clairemont Mesa, Mira Mesa, and Linda Vista, which offer larger homes and flexible school zoning. A three-bedroom rental starts at $4,000, and four-bedroom homes can cost up to $5,800. These neighborhoods provide spacious lots, good public school access, and shorter commutes to tech offices in Sorrento Valley.
For retirees or downsizers, Point Loma, Mission Hills, and Tierrasanta provide peaceful surroundings and low-maintenance rental options. A condo in San Diego rents for $2,800 to $3,200, while two-bedroom units cost $3,600. These neighborhoods are also close to shopping centers, trails, and medical facilities.
For international students, areas like University City, Rolando, and Morena are near UCSD, SDSU, and USD. A three-bedroom apartment rents for $3,200 to $3,800, but sharing with roommates can reduce costs by up to 30%. These student-friendly neighborhoods offer public transit access, ample study spaces, and affordable dining options.

Utilities in San Diego

Food and Groceries in San Diego

Transportation in San Diego

Healthcare in San Diego

Healthcare in San Diego is about 1.69% higher than the national average. While the city offers high-quality medical services and access to top-rated hospitals, everyday care—from routine checkups to over-the-counter meds—can cost more than in other U.S. cities.

Doctor Visit — 157.5+ per visit: A standard appointment with a general practitioner averages 157.5. This typically covers basic care like cold and flu checkups, blood pressure monitoring, or prescription refills. Visits to specialists, such as dermatologists or endocrinologists, can cost significantly more, depending on the provider and service.
Dentist Visit — $124.60+ per visit: A basic cleaning costs around $124.60, with fillings ranging from $160 to $220. Additional procedures like X-rays or fluoride treatments can push the bill higher. Dental care here is costlier than in cities like Phoenix or Miami, but still more affordable than in Los Angeles or San Francisco.
Optometrist Visit — $138.50+ per visit: A routine eye exam in San Diego costs approximately $138.50, which aligns closely with national averages. Add-ons like contact lens fittings or dry eye treatments can range from $50 to $140 more.
Prescription Drugs — $135.20+ per package: Common prescriptions such as Lisinopril or Metformin range from $15 to $35 per month without insurance. Short-term antibiotics like Amoxicillin typically cost $25 to $40, though pricing can vary based on the pharmacy and discount programs like GoodRx.
Over-the-Counter Meds — $11.25+ per package: OTC items like ibuprofen, allergy medications, and cold relief products average $11 to $14. While individually minor, these costs can add up, especially during seasonal spikes in allergies or flu.

San Diego's healthcare system benefits from access to top-rated hospitals like Scripps, Sharp HealthCare, and UC San Diego Health. The city's strong focus on wellness, outdoor activity, and clean air contributes to better overall public health, which may reduce the frequency of hospital visits for preventable conditions. However, because San Diego is a high-cost metro, even basic care can be expensive without insurance.

Disclaimer: These figures are averages and can vary based on individual circumstances and specific insurance plans. Always compare providers and consult with a licensed agent for the best coverage options.

Miscellaneous Costs in San Diego

What Salary Do You Need to Live in San Diego, CA?

The average salary in San Diego is 46% higher. But to live comfortably, you'll need to earn between $85,000 and $160,000 per year, depending on your household size and spending habits. High rent, transportation costs, and utility bills all contribute to the city's expensive cost of living.

Liveable salary for a $149,364 — $65,000 to $80,000 a year: You'll spend around $2,400 a month on rent for a one-bedroom, plus another $1,000 to $1,500 on groceries, utilities, transportation, and other basics. If you live in areas like North Park or Mission Valley, expect total monthly costs to exceed $3,500.

Liveable salary for a $88,368 — $110,000 to $130,000 a year: You'll pay between $1,200 and $1,800 per month for childcare, and about $3,200 to $4,200 for a two-bedroom home. Add groceries, healthcare, and transportation, and your monthly expenses can easily reach $8,000.

Liveable salary for a $153,840 — $140,000 to $160,000+ a year: You'll cover school supplies, extracurriculars, larger grocery bills, and higher utility use. With a larger home and multiple vehicles, your family could spend $9,000 to $10,000 a month to maintain a comfortable lifestyle in San Diego.

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What is a Cost of Living Calculator?

A cost of living calculator helps you compare the expenses required to live in a different location. The calculator factors in various living expenses like housing, food, utilities, transportation, fitness, and entertainment, etc., and helps you estimate how much salary you need to live in that city. Since the cost of goods and services varies in different cities, a San Diego cost of living calculator can help you make the decision to move to this city or not.

About Cost of Living Data

The data used to determine San Diego's cost of living is sourced from the Council for Community and Economic Research (C2ER). Published since 1968, COLI data is recognized by the U.S. Census Bureau and the Bureau of Labor Statistics. This organization regularly updates its data to provide a detailed and well-researched view of living expenses in cities across the country. An independent Advisory Board reviews C2ER’s data collection methodologies and quarterly publications to ensure consistency and quality.

For more information, visit www.coli.org. Data published as of Mar 20.

Frequently Asked Questions

How much is gas in San Diego?

Gas in San Diego averages around 4.6 per gallon, making it one of the most expensive in the country. Prices often spike during summer or holiday weekends. With traffic on I-5, I-805, and Highway 163, long commutes can quickly increase your fuel budget.

Is San Diego a good place to live?

Yes, San Diego is a great place to live if you enjoy mild weather year-round, coastal access, and outdoor activities. The city is home to renowned hospitals like UC San Diego Health and Scripps, plus family-friendly neighborhoods like Carmel Valley and Scripps Ranch with strong schools and parks.

What is the average cost of living in San Diego?

The average cost of living in San Diego is about 46% higher than the national average, mostly due to housing. Areas like La Jolla, Mission Hills, and Del Mar are pricey, while Chula Vista and Clairemont offer relatively more affordable options.

What is the average rent in San Diego?

A one-bedroom apartment in San Diego rents for around $2,500 to $3,200 per month. Prime neighborhoods like Little Italy, Pacific Beach, and Downtown charge more due to their walkability, ocean views, and access to dining and nightlife.

How much is a 2-bedroom apartment in San Diego?

A two-bedroom apartment in San Diego typically costs between $3,200 and $4,200 per month. Expect the higher end in La Jolla, Hillcrest, or North Park, especially for units with updated interiors and parking.

What is the average price of utilities in San Diego?

The average cost of utilities in San Diego monthly ranges from $180 to $250. This covers electricity, water, gas, sewer, and trash. Usage spikes in summer due to AC use in inland neighborhoods like El Cajon or Poway.

How much is child care in San Diego?

In San Diego, childcare costs for toddlers usually range from $1,200 to $1,700 per month. Full-time daycare centers in Encinitas, Del Mar, or Rancho Bernardo cost more, while home-based care options in National City or Lemon Grove tend to be more affordable.

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Cost of Living in
San Diego

Enter the city you're moving from

San Diego, CA is the #14 Most Expensive City in the U.S.

Find your
dream home in San Diego, CA

Is Living in San Diego, CA Too Expensive?

Housing in San Diego

Renting in San Diego

Utilities in San Diego

Food and Groceries in San Diego

Transportation in San Diego

Healthcare in San Diego

Miscellaneous Costs in San Diego

What Salary Do You Need to Live in San Diego, CA?

Is San Diego, CA Too Expensive? Find Homes in San Diego, CA as Per Your Budget

What is a Cost of Living Calculator?

About Cost of Living Data

Frequently Asked Questions

How much is gas in San Diego?

Is San Diego a good place to live?

What is the average cost of living in San Diego?

What is the average rent in San Diego?

How much is a 2-bedroom apartment in San Diego?

What is the average price of utilities in San Diego?

How much is child care in San Diego?

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Cost of Living in San Diego

Enter the city you're moving from

San Diego, CA is the #14 Most Expensive City in the U.S.

Find your dream home in San Diego, CA

Is Living in San Diego, CA Too Expensive?

Housing in San Diego

Renting in San Diego

Utilities in San Diego

Food and Groceries in San Diego

Transportation in San Diego

Healthcare in San Diego

Miscellaneous Costs in San Diego

What Salary Do You Need to Live in San Diego, CA?

Is San Diego, CA Too Expensive? Find Homes in San Diego, CA as Per Your Budget

What is a Cost of Living Calculator?

About Cost of Living Data

Frequently Asked Questions

How much is gas in San Diego?

Is San Diego a good place to live?

What is the average cost of living in San Diego?

What is the average rent in San Diego?

How much is a 2-bedroom apartment in San Diego?

What is the average price of utilities in San Diego?

How much is child care in San Diego?

Calculate Cost of Living Across US Cities

Homes For Sale Near Me

Homes For Sale in Popular US Cities

Homes For Sale in Popular US Neighbourhoods

Homes For Sale FAQs

Find Homes For Sale Near You

Homes For Sale by Type and Style

Cost of Living in
San Diego

Find your
dream home in San Diego, CA