Is San Diego, CA affordable on a $3,525,000 salary?
YES
On $3,525,000/yr, the typical $946,365 home in San Diego, CA needs $279,490/yr ($6,521/mo). Your gap: +$3,245,510 — housing would be 2.2% of your gross income.
The math
946,365 price − 10% down (94,637) = 851,728 loan
30-yr fixed at 6.49% on 851,728 = 5,378/mo principal+interest
+ 1,144/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
6,521/mo PITI ÷ 0.28 = 23,291/mo → 279,490/yr required
against Zillow ZHVI 2026-05 and the 6.49% FRED 30-yr rate (2026-06-25).
What salary WOULD clear San Diego, CA?
You need about $279,490/yr for the typical home. On $3,525,000 you already clear it by $3,245,510.