San Diego Cost of Living — What It Really Costs in 2026

San Diego is expensive — but exactly how expensive depends on where you live and how you live. Here is an honest breakdown.

Housing

The biggest expense by far. Median home price: ~$875,000. Average rent for a one-bedroom: $2,100-$2,800 depending on neighborhood. Beach areas and La Jolla push above $3,000. Inland areas like Clairemont, Mira Mesa, and El Cajon are more affordable.

Food & Groceries

Groceries run about 15-20% above the national average. A week of groceries for two: $150-$200. Dining out: a casual dinner for two runs $50-$80. Happy hours are everywhere and worth seeking out.

Transportation

Most San Diegans drive. Gas averages $4.50-$5.50/gallon. Insurance runs higher than national averages. The MTS Trolley covers downtown, Mission Valley, SDSU, and the border. Monthly pass: $72.

Utilities

SDG&E (San Diego Gas & Electric) is notoriously expensive. Average electric bill: $150-$250/month. Many residents go solar to offset costs. Water runs about $80-$100/month.

The Trade-Off

Yes, it is expensive. But 70-degree weather year-round, world-class beaches, and a lifestyle that prioritizes outdoors and quality of life — that is what you are paying for. Many San Diegans will tell you it is worth it.