2026 cost of living data for San Diego. Overall cost index: 165 (national avg = 100).
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San Diego is one of the most expensive cities in the United States, with an overall cost of living index of 165. This means living in San Diego is approximately 65% more expensive than the national average.
Housing costs are extremely high, often the primary driver of the elevated cost of living in this metropolitan area. The housing index for San Diego is 210, which means housing costs are 110% above the national average. This includes both rental prices and home purchase costs in the metropolitan area.
The median household income in San Diego is $83,454, with a population of approximately 1,423,851. The relatively high median household income helps offset some of the higher costs residents face.
The job market in San Diego is solid, with steady growth in several key sectors and reasonable unemployment rates.
Beyond housing, daily expenses in San Diego are above the national average. Groceries and dining carry an index of 108, while transportation costs sit at 112. Healthcare expenses index at 110, and utilities come in at 108.
Taxes in San Diego are above average at 125, which factors into the overall cost of living. State income taxes and local levies contribute to the higher burden.
The climate in San Diego is one of its strongest selling points, with mild temperatures and plenty of sunshine throughout the year.
San Diego ranks as one of the safer major cities, with crime rates below the national average for metropolitan areas of its size.
San Diego may be expensive, but many residents find the higher costs justified by the career opportunities, cultural amenities, and lifestyle the city offers. With a good job market and excellent weather, San Diego continues to attract new residents despite the premium cost of living.
