Moving from San Francisco to San Diego
Your paycheck buys slightly more in San Diego than in San Francisco (+3.3%). Compare taxes, rent, home prices and the cost of the move.
Equal salary in San Diego: $129,800
Compare any two of 149 U.S. metro areas. All cities
To keep the same lifestyle, you need about $129,800 in San Diego, CA to match $135,000 in San Francisco, CA ($5,200 less), after 2026 taxes and local prices.
Single filer, W-2 salary. Both are in California, so state income tax is the same; neither city levies a resident income tax.
San Francisco vs San Diego: key facts
- Median rent
- $2,435 → $2,336/mo
- Median home value
- $1,132,900 → $914,700
- Median household income
- $135,590 → $109,132
- Price level (U.S. = 100)
- 115.6 → 111.9
- Natural hazard risk (FEMA)
- Among the highest (99.4 → 99.7 of 100)
San Francisco vs San Diego cost of living
The vertical line marks the U.S. average (100).
| Measure | San Francisco, CA | San Diego, CA |
|---|---|---|
| Overall price level (U.S. = 100) | 115.6 | 111.9 |
| Median rent | $2,435 | $2,336 |
| Income to rent affordably (30%) | $97,400 | $93,440 |
| Median home value | $1,132,900 | $914,700 |
| Monthly cost to own (20% down) | $6,854 | $5,462 |
| Income needed to buy | $293,723 | $234,098 |
| Median property tax | $8,777 | $5,948 |
| State income tax on $135,000 | $8,310 | $8,310 |
| Metro population | 4,648,486 | 3,298,799 |
Metro-area figures (Census ACS 2024, BEA 2024). Taxes use each metro's principal state.
Your yearly budget: San Francisco vs San Diego
On a $135,000 salary, taxes, housing, electricity, one car and health insurance for one adult come to $83,718 a year in San Francisco and $82,530 in San Diego if you rent: $1,188 less after the move. If you buy the median home, they come to $136,740 and $120,045 ($16,695 less).
Your yearly budget, before vs after
| Yearly cost | San FranciscoBefore | San DiegoAfter | Change |
|---|---|---|---|
| Income and payroll taxes on $135,000, single filer | $41,526 | $41,526 | $0 |
| Electricity state average bill | $1,930 | $1,930 | $0 |
| Car insurance one car, state average | $1,225 | $1,225 | $0 |
| Gas 12,000 miles at 25 mpg | $2,977 | $2,977 | $0 |
| Health insurance one adult, age 40, own plan before subsidies | $6,840 | $6,840 | $0 |
| If you rent | |||
| Rent median, 12 months | $29,220 | $28,032 | -$1,188 |
| Total if you rent | $83,718 | $82,530 | -$1,188 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 6.95% | $71,992 | $58,126 | -$13,866 |
| Property tax median home | $8,777 | $5,948 | -$2,829 |
| Homeowners insurance state median, with a mortgage | $1,473 | $1,473 | $0 |
| Total if you buy | $136,740 | $120,045 | -$16,695 |
Taxes: 2026 federal and state rules, plus the principal city's resident income tax where it has one, standard deduction. Rent, home value and property tax: Census ACS 2024 metro-area medians. Mortgage: Freddie Mac 30-year average (6.95%, week of September 17, 2026).
State figures for the principal state: EIA 2024 average residential power bill, NAIC 2023 auto insurance (average per car), Census ACS 2024 homeowners insurance (median for owners with a mortgage; premiums have risen since), AAA regular gas on September 23, 2026, and the KFF 2026 benchmark silver Marketplace premium. Job-based health coverage usually costs you less, and in 2026 incomes between 100% and 400% of the federal poverty level can get a premium tax credit.
Not included: sales tax (combined state and local rates are not in our data yet), food, car payments and other spending.
Child care is not in the totals. Full-time center care for one infant averages $22,628 a year in San Francisco and $22,628 in San Diego (Child Care Aware of America, 2024 state averages).
Who moves from San Francisco to San Diego
About 3,376 households (4,828 people) moved from the San Francisco metro area to the San Diego metro area in 2022–2023, making San Diego the #7 destination for people leaving San Francisco among the 149 metro areas we cover. 2,580 households moved the other way. Their average adjusted gross income was $175,796.
Cost to move from San Francisco to San Diego
| Moving method (2–3 bedrooms) | Typical range |
|---|---|
| Rental truck (DIY) | $480–$1,590 |
| Moving container | $1,280–$2,760 |
| Full-service movers | $2,120–$6,980 |
Shipping a car instead of driving
Car shipping: $700–$1,060
Shipping a sedan from San Francisco to San Diego on an open carrier costs about $700–$1,060, typically 3–7 days in transit over about 530 miles.
Modeled from 32 published 2026 route prices (SGT Auto Transport 'Ship a Car to Another State' sample routes, SGT Auto Transport cost calculator sample routes) plus published Hawaii and Alaska rates. SUVs cost about 25% more and enclosed carriers about 35% more. Not a quote.
Natural hazard risk: San Francisco vs San Diego
FEMA's National Risk Index rates the San Francisco area among the highest (score 99.4) and the San Diego area among the highest (score 99.7), on a 0–100 national percentile scale. Expected yearly losses from natural hazards average $993 vs $467 per resident.
The vertical line marks the middle of U.S. counties (50).
The vertical line marks the middle of U.S. counties (50).
Frequently asked questions
Is San Diego cheaper than San Francisco?
Overall prices in the San Diego area are 3.2% lower than in San Francisco (BEA Regional Price Parities 2024). Median rent is $2,336 vs $2,435 a month, and the median home is $914,700 vs $1,132,900.
What salary do I need in San Diego to match $100,000 in San Francisco?
About $96,100, after 2026 federal taxes and local prices. Both are in California, so state income tax is the same.
How much does it cost to move from San Francisco to San Diego?
For a 2–3 bedroom home over about 530 miles: roughly $480–$1,590 with a rental truck, $1,280–$2,760 with a container, or $2,120–$6,980 with full-service movers.
How many people move from San Francisco to San Diego?
IRS county migration data for 2022–2023 show about 3,376 households (4,828 people) moved from the San Francisco metro area to the San Diego metro area, and 2,580 moved the other way.
Related
Where people from San Francisco move
- San Francisco to San Jose 11,758 households
- San Francisco to Los Angeles 8,569 households
- San Francisco to Sacramento 6,939 households
- San Francisco to New York 5,827 households
- San Francisco to Stockton 4,705 households
- San Francisco to Vallejo 4,117 households
- San Francisco to Santa Rosa 2,913 households
- San Francisco to Seattle 2,851 households