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Cost of Living in San Diego 2026

1. Cost of Living Overview

San Diego, known for its beautiful beaches and pleasant climate, has a cost of living that is higher than the national average in the United States. As of 2026, the overall cost of living index in San Diego is approximately 50% higher than the national average. This is primarily driven by housing costs, which are substantially elevated compared to other cities. For instance, while the national average home price hovers around $400,000, San Diego's average home price stands at $1,464,160 (approximately CAD $1,956,000). The city’s vibrant lifestyle, coupled with its limited housing supply, contributes to these inflated costs. Residents can expect to pay more for groceries, transportation, and healthcare as well, making San Diego a city that requires careful financial planning for prospective residents.

2. Housing Costs

When it comes to housing in San Diego, individuals face a significant choice between renting and buying. The median home price in San Diego is $774,950 (CAD $1,040,000), which can be daunting for many. The price range for homes in the area varies widely, from around $850 (CAD $1,130) for small studios to upwards of $819,500,000 (CAD $1,100,000,000) for luxury estates.

Average Prices by Property Type

Property Type	Average Price (USD)	Average Price (CAD)
Studio Apartment	$400,000	CAD $532,000
1-Bedroom Apartment	$600,000	CAD $798,000
3-Bedroom House	$1,200,000	CAD $1,596,000

Monthly Mortgage Estimates

If you decide to purchase a home, monthly mortgage payments can be calculated based on the median home price, assuming a 20% down payment and a 30-year fixed mortgage at a 4% interest rate. For the median home price of $774,950, the estimated monthly mortgage payment would be approximately $3,080 (CAD $4,080).

3. Utilities & Bills

When budgeting for monthly utilities, residents can expect the following average costs:

• Electricity: $150 (CAD $200)
• Gas: $100 (CAD $133)
• Internet: $70 (CAD $93)
• Phone: $60 (CAD $80)
• Water: $50 (CAD $67)

In total, the average monthly utility bill would be around $430 (CAD $573).

4. Groceries & Food

Groceries can be a significant expense in San Diego. A monthly grocery budget for one person typically amounts to about $350 (CAD $466). Basic food items are priced as follows:

• Milk (1 gallon): $4 (CAD $5)
• Bread (1 loaf): $3 (CAD $4)
• Eggs (dozen): $3 (CAD $4)
• Chicken (1 lb): $5 (CAD $7)

Dining out is also common, with average meal costs at restaurants being around $15 (CAD $20) for lunch and $30 (CAD $40) for dinner.

5. Transportation

Transportation costs in San Diego vary based on personal choices. If you own a car, you can expect the following:

• Average car insurance: $150/month (CAD $200)
• Gasoline: $3.50/gallon (CAD $4.67)

For public transit, a monthly pass costs about $72 (CAD $96), which covers buses and trolleys throughout the city.

6. Healthcare

Healthcare costs can vary based on individual needs and insurance plans. In San Diego, the average monthly premium for health insurance is approximately $400 (CAD $532). Dental and vision care can add an additional $100 (CAD $133) per month, bringing the total healthcare costs to around $500 (CAD $665).

7. Entertainment & Recreation

San Diego offers a plethora of entertainment options. Here are some average costs:

• Gym membership: $50/month (CAD $67)
• Movie ticket: $15 (CAD $20)
• Sports event ticket: $50 (CAD $67)

For hobbies and recreational activities, budgeting around $100 (CAD $133) per month would be reasonable.

8. Monthly Budget Breakdown

Here’s a sample budget for various household types in San Diego:

Single Person

• Housing (Rent): $2,500 (CAD $3,330)
• Utilities: $430 (CAD $573)
• Groceries: $350 (CAD $466)
• Transportation: $150 (CAD $200)
• Healthcare: $500 (CAD $665)
• Entertainment: $100 (CAD $133)
• Total: $4,130 (CAD $5,566)

Couple

• Housing (Rent): $3,200 (CAD $4,267)
• Utilities: $430 (CAD $573)
• Groceries: $600 (CAD $798)
• Transportation: $300 (CAD $400)
• Healthcare: $800 (CAD $1,066)
• Entertainment: $200 (CAD $267)
• Total: $5,830 (CAD $7,966)

Family of Four

• Housing (Rent): $4,000 (CAD $5,333)
• Utilities: $500 (CAD $667)
• Groceries: $1,200 (CAD $1,600)
• Transportation: $500 (CAD $667)
• Healthcare: $1,200 (CAD $1,600)
• Entertainment: $400 (CAD $533)
• Total: $8,300 (CAD $11,400)

9. Is San Diego Affordable?

San Diego's cost of living is undeniably high, especially in comparison to other U.S. cities. To maintain a comfortable lifestyle, a single person would ideally need an annual salary of at least $60,000 (CAD $80,000), while a couple may require around $100,000 (CAD $133,000) annually. For families, this number can soar to $150,000 (CAD $200,000) or more depending on lifestyle choices and housing preferences. While the city's natural beauty and vibrant culture may justify the expense for many, potential residents should conduct thorough financial planning to ensure they can comfortably afford life in San Diego.

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