Is San Diego, CA affordable on a $1,000,000 salary?
YES
On $1,000,000/yr, the typical $926,961 home in San Diego, CA needs $290,215/yr ($6,772/mo). Your gap: +$709,785 — housing would be 8.1% of your gross income.
The math
926,961 price − 10% down (92,696) = 834,265 loan
30-yr fixed at 7.18% on 834,265 = 5,652/mo principal+interest
+ 1,120/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
6,772/mo PITI ÷ 0.28 = 24,185/mo → 290,215/yr required
against Zillow ZHVI 2026-09 and the 7.18% FRED 30-yr rate (2026-11-05).
What salary WOULD clear San Diego, CA?
You need about $290,215/yr for the typical home. On $1,000,000 you already clear it by $709,785.