If you’re wondering if $100,000 is enough to live on in San Diego, the short answer is that it’s enough for singles, maybe enough for couples, and hard for families. San Diego is a dream city because of its beaches and sunny weather, but housing costs are some of the highest in the U.S., so a six-figure income doesn’t go as far as you might think.

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5 Reasons $100K Feels Tight in San Diego

1. Housing costs are through the roof: the median home price is about $900,000, and the average rent for a one-bedroom apartment is more than $2,500 a month.
2. Costs of living add up: groceries, gas, and utilities are 20–30% higher than the national average.
3. Taxes in California are high, so expect a big chunk of that $100,000 to go to the state.
4. Healthcare costs a lot— Premiums and out-of-pocket costs are higher than in most cities in the U.S.
5. Lifestyle temptations—San Diego makes it easy to spend too much money on things like beaches and nightlife.

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Living in San Diego on $100K: What You Can (and Can’t) Afford

Singles

Yes, $100K is enough to live on in San Diego. You’ll likely afford rent in good neighborhoods, eat out often, and still save—if you avoid luxury apartments.

Couples

For couples, $100K alone isn’t enough, but two incomes make life comfortable. Shared housing and bills free up cash for savings or travel.

Families

For families, $100,000 is a struggle. Between rent/mortgage, childcare, and healthcare, many households need $150K+ to feel secure in San Diego.

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5 Smart Ways to Make $100K Work in San Diego

1. Live in affordable suburbs like Chula Vista or El Cajon.
2. Cut commuting costs with public transit or remote work.
3. Set strict budgets for dining and entertainment.
4. Consider roommates or multi-family housing options.
5. Save on groceries with warehouse clubs or local markets.

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San Diego vs. Los Angeles: Which City Is Better on $100K?

Many people compare California’s big coastal cities. Here’s how $100K stacks up:

• San Diego – Slightly more affordable housing than LA, but still competitive.
• Los Angeles – Higher rents in core areas, but more suburban choices within commuting distance.
• Winner? San Diego offers better quality of life on $100K, but LA has more job opportunities to push above that salary.

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What $100,000 Gets You in San Diego (and What It Doesn’t)

✅ A comfortable apartment in a good area (for singles/couples)
✅ Nights out, dining, and weekend getaways if you budget
✅ The SoCal lifestyle—beaches, sunshine, and endless activities

❌ A spacious home in central San Diego
❌ Financial comfort for a family of four without dual incomes
❌ Large savings or retirement contributions without sacrifices

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Last Thoughts

So, can you live on $100,000 in San Diego? It’s a good salary in 2025, but not a golden ticket. Smart budgeting can help singles and couples make it work, but families will feel the pinch. The city’s lifestyle benefits make up for the cost, but only if you plan ahead.

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Get in touch with me

Are you thinking about moving to San Diego and want to know what $100,000 will get you? I can help you find places to live that fit your budget.

• Call: +17788520679
• Email: support@myhavens.us
• Go to: 1603 Capitol Ave, Cheyenne, WY 82001