WhereCanIAfford › San Diego, CA › On $125,000

Is San Diego, CA affordable on a $125,000 salary?

NO On $125,000/yr, the typical $946,365 home in San Diego, CA needs $279,010/yr ($6,510/mo). Your gap: $-154,010 — housing would be 62.5% of your gross income.

The math

946,365 price − 10% down (94,637) = 851,728 loan
30-yr fixed at 6.47% on 851,728 = 5,367/mo principal+interest
+ 1,144/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
6,510/mo PITI ÷ 0.28 = 23,251/mo → 279,010/yr required

against Zillow ZHVI 2026-05 and the 6.47% FRED 30-yr rate (2026-06-18).

What salary WOULD clear San Diego, CA?

You need about $279,010/yr for the typical home. That's $154,010 more than $125,000.

On $100,000? On $150,000? On $175,000?

See the full San Diego, CA affordability breakdown → or every metro you can afford on $125,000 →