San Diego County, California home prices
Typical home $926,979 · +0.8% in a year · property tax 0.68%
The typical home in San Diego County is worth $926,979, 22% more than the California typical home ($761,538). Values changed +0.8% in the past year and +21.6% over five years. Homeowners here pay a median 0.68% of their home's value in property tax each year ($6,262 on the typical home), versus 0.72% statewide.
Mortgage on the typical San Diego County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $185,396 | $741,583 | $4,989 | $0 | $985 | $5,974 | $256,000 |
| 10% down | $92,698 | $834,281 | $5,612 | $348 | $985 | $6,945 | $297,700 |
| 5% down | $46,349 | $880,630 | $5,924 | $367 | $985 | $7,276 | $311,800 |
| 3.5% down (FHA) | $32,444 | $910,189 | $6,123 | $410 | $985 | $7,518 | $322,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.68% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in California · part of the San Diego metro area.
California counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| San Luis Obispo County | $897,661 | +2.0% | 0.68% |
| Los Angeles County | $871,674 | +0.4% | 0.68% |
| Ventura County | $869,794 | +1.1% | 0.68% |
| Napa County | $869,491 | -1.0% | 0.69% |
| Santa Barbara County | $988,595 | +4.3% | 0.65% |
| Monterey County | $841,129 | +1.2% | 0.63% |
| Alameda County | $1,044,951 | -0.4% | 0.78% |
| Sonoma County | $782,980 | +0.8% | 0.7% |
| Contra Costa County | $768,394 | -0.5% | 0.83% |
| San Benito County | $763,020 | +0.1% | 0.81% |
Frequently asked questions
What is the average home price in San Diego County, CA?
The typical home value in San Diego County is $926,979 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in San Diego County?
About $256,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in San Diego County?
The median effective rate is 0.68% of home value a year (Census ACS 2024 5-year estimates).