WhereCanIAfford › San Diego, CA › On $100,000

Is San Diego, CA affordable on a $100,000 salary?

NO On $100,000/yr, the typical $930,785 home in San Diego, CA needs $285,852/yr ($6,670/mo). Your gap: $-185,852 — housing would be 80% of your gross income.

The math

930,785 price − 10% down (93,079) = 837,706 loan
30-yr fixed at 6.95% on 837,706 = 5,545/mo principal+interest
+ 1,125/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
6,670/mo PITI ÷ 0.28 = 23,821/mo → 285,852/yr required

against Zillow ZHVI 2026-08 and the 6.95% FRED 30-yr rate (2026-09-17).

What salary WOULD clear San Diego, CA?

You need about $285,852/yr for the typical home. That's $185,852 more than $100,000.

On $75,000? On $125,000? On $150,000?

See the full San Diego, CA affordability breakdown → or every metro you can afford on $100,000 →