How Much House Can I Afford in San Diego, CA?
Use local market data to estimate what you can afford in San Diego. The median home value is $870,000 with a population of 1,380,000.
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FAQ — Buying in San Diego
How much house can I afford in San Diego?
The median home value in San Diego is $870,000. At a 20% down payment ($174,000) and a 6.37% rate, the estimated P&I payment would be roughly $4,340 per month — before taxes and insurance. Use the calculator above with your actual income and debts for a personalized answer.
What is the 28/36 rule for buying a home in San Diego?
The 28/36 rule suggests your housing payment should not exceed 28% of gross monthly income, and total debt payments should not exceed 36%. In San Diego with a median home price of $870,000, this means your gross monthly income should ideally be at least $15,499 to keep housing comfortably within the 28% threshold.
How do San Diego property taxes affect my affordability?
San Diego County has an effective property tax rate of 0.75%, which adds approximately $544 per month to your housing cost on a median-priced home.
What 2026 loan limits apply in San Diego?
In 2026, the FHA loan limit for San Diego County is determined by HUD based on local median home prices. The conforming limit set by FHFA is at least $832,750 — loans above this are jumbo mortgages with different qualification standards. Higher-cost counties may have elevated limits.