The typical home in San Diego, CA is worth about $900,000.
With 20% down that's a loan near $720,000 — the calculator
is pre-filled with that figure. Prices sit close to Los Angeles on a smaller income base, so affordability is tight and down-payment size drives what most buyers can reach. Proposition 13 keeps the tax rate low, but a new purchase resets the assessed value to the price you pay.
$4,674.69 / month
Total interest
$962,892
Total paid
$1,682,892
Payoff
30.0 years
How much you need to earn
San Diego, CA's median household income is about
$96,000 a year. Under standard 28/36
lending rules that supports a home price around
$424,893 with 20% down —
below the $900,000 typical price, so many buyers need a larger down payment, a co-borrower, or a longer commute.
Typical asking rent in San Diego, CA is about $3,000 a month, so owning the median home costs roughly
$2,325 more per month before tax
effects, maintenance, and any change in home value.
Frequently asked questions
What is a typical mortgage payment in San Diego, CA?
On the metro's roughly $900,000 typical home with 20% down, the loan is about $720,000. Principal and interest run near $4,675 a month at today's rate, and San Diego, CA's property tax plus insurance add about $650, for a full payment near $5,325.
Can I afford a home in San Diego, CA on the median income?
The median household income is about $96,000 a year. Under standard 28/36 lending rules that supports a home price around $424,893 with 20% down — below the $900,000 typical price, so buyers often need a larger down payment or a co-borrower.
Is it cheaper to rent or buy in San Diego, CA?
Typical asking rent is about $3,000 a month. The full owner payment on a median home is near $5,325, so owning costs roughly $2,325 more per month before tax effects, maintenance, and any appreciation.
How much are property taxes in San Diego, CA?
The effective property tax rate in the core county is about 0.70% of market value — roughly $6,300 a year on the typical home. Your exact rate depends on the municipality and any exemptions.
Are home prices in San Diego, CA rising or falling?
Home values are up about 5% over the past year. Prices sit close to Los Angeles on a smaller income base, so affordability is tight and down-payment size drives what most buyers can reach. Proposition 13 keeps the tax rate low, but a new purchase resets the assessed value to the price you pay.