2025 Homeowners Guide to Cost of Living in San Diego

Thinking about buying a home in San Diego in 2025? One of the first things on every buyer’s mind is cost of living — and for good reason. San Diego is one of the most desirable cities in the U.S., offering unbeatable weather, beautiful beaches, and vibrant communities. But how much does it actually cost to live here?

In this guide, I’ll break down the true cost of living in San Diego in 2025, with a specific focus on what homeowners need to know — from housing prices and property taxes to utilities and insurance.

1. Housing Costs in San Diego (2025)

Median Home Price (2025):
As of mid-2025, the median home price in San Diego County is approximately $875,000. Prices vary widely depending on the neighborhood:

• La Jolla: $2M+
• North Park: $850K–$1M
• Chula Vista: $700K–$800K
• Oceanside: $650K–$750K

Pro Tip: If you're buying for the first time, there are local first-time buyer programs that may help with down payment and closing costs.

2. Utilities & Monthly Household Bills

Here’s what the average monthly utility costs look like for a 2–3 bedroom single-family home:

• Electricity & Gas (SDG&E): $180–$300
• Water & Sewer: $80–$120
• Trash Collection: Included in city services or about $40/month
• Internet & Cable: $75–$150

Keep in mind: SDG&E has some of the highest energy rates in the country, so energy-efficient appliances and solar panels can help lower your monthly bills.

3. Property Taxes in San Diego County

California has a base property tax rate of 1% of assessed value, but in San Diego, additional bonds and assessments usually bring the rate closer to 1.2%–1.3%.

Example:

• Home Price: $850,000
• Estimated Annual Property Tax: ~$10,625

Important: Property tax assessments are based on the purchase price, not market value. Thanks to Proposition 13, your taxes are capped for future increases (except for home improvements or transfers).

4. Homeowners Insurance & HOA Fees

• Homeowners Insurance (Annual): $1,200–$2,000 depending on location, home size, and fire zone rating
• HOA Fees: Range from $100 to $500+/month depending on the community

Tip: If your home is in a high wildfire risk area, expect higher insurance premiums or limited carrier options.

5. Commuting & Transportation Costs

• Gas Prices (2025): ~$5.60/gallon
• Monthly Car Insurance: $120–$200/month
• Trolley or Bus Monthly Pass: $72 (MTS Compass Card)

San Diego is car-dependent in most areas, but neighborhoods like Hillcrest, Downtown, and North Park are more walkable and transit-friendly.

6. Other Living Expenses in San Diego

• Groceries: 10–15% above national average
• Dining Out: $16–$25 for casual meals, $50+ for mid-range restaurants
• Health Insurance (Individual): $400–$700/month
• Childcare (Full-time): $1,200–$2,000/month

Final Thoughts: Is San Diego Affordable in 2025?

San Diego offers a high quality of life, but it comes with a premium cost. That said, smart budgeting, strategic neighborhood choices, and working with a knowledgeable local Realtor can make homeownership here attainable and worthwhile.

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