San Diego Housing Market 2026
| Metric | San Diego |
|---|---|
| Median Home Price | $874,000 |
| 20% Down Payment | $174,800 |
| Loan Amount (80% LTV) | $699,200 |
| Est. P&I @ 6.5% 30yr | $4,419/mo |
| Median Household Income | $85,507/year |
| State Income Tax | 1%–13.3% |
Monthly Payment at Different Prices
| Home Price | 20% Down | P&I @ 6.5% | P&I @ 7% |
|---|---|---|---|
| $612,000 | $122,400 | $3,095/mo | $3,257/mo |
| $743,000 | $148,600 | $3,757/mo | $3,955/mo |
| $874,000 | $174,800 | $4,419/mo | $4,652/mo |
| $1,005,000 | $201,000 | $5,082/mo | $5,349/mo |
| $1,136,000 | $227,200 | $5,744/mo | $6,046/mo |
Calculate Your Exact San Diego Mortgage
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What is the average home price in San Diego?
The median home price in San Diego is approximately $874,000 as of 2026.
Can I afford a home in San Diego on $85,507?
With a median income of $85,507 and median home price of $874,000, the price-to-income ratio in San Diego is 10.2×. Most financial advisors recommend a home price no more than 3–5× your annual income.
Related: PITI Calculator · PMI Calculator