San Diego, CA home prices
Typical home $926,961 · +0.8% in a year · income needed $256,000
The San Diego, CA metro area ranks 17 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +0.8% in a year and +21.6% over five years. With 20% down at 7.11%, the typical home costs about $5,974 a month including 0.68% property tax (San Diego County rate).
Mortgage on the typical San Diego home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $185,392 | $741,569 | $4,989 | $0 | $985 | $5,974 | $256,000 |
| 10% down | $92,696 | $834,265 | $5,612 | $348 | $985 | $6,945 | $297,600 |
| 5% down | $46,348 | $880,613 | $5,924 | $367 | $985 | $7,276 | $311,800 |
| 3.5% down (FHA) | $32,444 | $910,171 | $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.
Counties in the San Diego area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| San Diego County, CA | $926,979 | +0.8% | 0.68% |
What can you afford in California on your salary? · California home prices · Salaries in California
Frequently asked questions
How much is a house in San Diego?
The typical home in the San Diego, CA metro area is worth $926,961 (Zillow, September 2026).
What salary do you need to buy a house in San Diego?
About $256,000 a year for the typical home with 20% down at 7.11%.