Side-by-side cost of living comparison for 2026
Median Income: $41,228
Population: 633,104
Median Income: $83,454
Population: 1,423,851
When comparing Memphis and San Diego, the overall cost of living differs by 117.1%. San Diego carries a cost index of 165 compared to Memphis's 76, meaning your dollar stretches 54% further in Memphis.
Housing is where the most significant gap appears between these two cities. Memphis has a housing index of 62 compared to San Diego's 210. This 148-point difference translates to substantial monthly savings on rent or mortgage payments in Memphis.
Memphis is more affordable for: Housing, Food & Groceries, Transportation, Healthcare, Utilities, Entertainment, Taxes.
If you earn $60,000 in Memphis, you would need $130,263 in San Diego to maintain the same standard of living. For a $100,000 salary, the equivalent would be $217,105.
The median household income in Memphis is $41,228 compared to $83,454 in San Diego. San Diego has higher incomes, though the higher cost of living may offset this advantage.
Safety: Memphis scores 3/10 while San Diego scores 7/10 in our safety assessment.
Weather: San Diego enjoys better weather with a score of 10/10 versus Memphis's 6/10.
Job Market: San Diego has the stronger job market (7/10) compared to Memphis (5/10).
Memphis is the more affordable option overall, but cost is just one factor in deciding where to live. Consider your career opportunities, family needs, and lifestyle preferences alongside the financial comparison. San Diego may justify its higher costs with excellent weather that many residents find worthwhile.
