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San Diego, CA

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San Jose, CA

Cost of Living Comparison 2026

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You'd spend $3.0K/month more in San Jose, CA

$150.0K in your current city equals $185.6K in San Jose, CA

Rent data from HUD ZIP-level estimates · COL index from San Diego-Chula Vista-Carlsbad, CA area
Overall Cost
39.6%
More expensive
Monthly Impact
$2,969
Extra cost
Annual Impact
$35.6K
Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

San Diego, CA

Population:1387K
Cost Index:100
Median Home:$980K

San Jose, CA

Population:1013K
Cost Index:140
Median Home:$1.35M

San Diego, CA

The Golden State

1.4M
Population
State Tax
Yes
Climate
Semi-arid Mediterranean

Notable Facts

  • Year-round perfect weather
  • Major military presence
  • Biotech hub

Major Industries

MilitaryTechnologyTourismBiotechnology

San Jose, CA

The Golden State

1.0M
Population
State Tax
Yes

Located in California, this city has a population of 1.0M residents.

Cost Breakdown by Category

Annual spending: San Diego, CA vs San Jose, CA

🏠Housing
85.1%
San Diego, CA
$5,223
San Jose, CA
$9,667
Difference
$4,444
more
All Utilities
26.7%
San Diego, CA
$634
San Jose, CA
$464
Difference
$169
less
🚗Transportation
10.4%
San Diego, CA
$1,571
San Jose, CA
$1,407
Difference
$164
less
🏥Healthcare
10.7%
San Diego, CA
$638
San Jose, CA
$706
Difference
$68.15
more
📦Other
3.5%
San Diego, CA
$1,892
San Jose, CA
$1,825
Difference
$66.96
less
🛒Groceries
4.6%
San Diego, CA
$1,079
San Jose, CA
$1,129
Difference
$49.96
more

🏠Rent Comparison

Studio
From$2,565
To$2,590
$25.00
1 Bed
From$2,755
To$2,950
$195
2 Bed
From$3,360
To$3,445
$85.00
3 Bed
From$4,475
To$4,550
$75.00
San Diego, CAZIP-level data

1BR range: $1,980$3,690/mo

San Jose, CAZIP-level data

1BR range: $2,190$4,060/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$11,037
Monthly in San Diego, CA
$15,199
Monthly in San Jose, CA
$4,162
Difference

Home Values

San Diego
San Jose
$980K
Median Value
$1.35M
↓ -3%
YoY Change
↓ -2.5%
↑ +37.4%
5-Year Change
↑ +35.5%
$598K - $2.01M
Price Range
$671K - $2.59M

Homes in San Jose are 38% more expensive than San Diego

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$0
Same taxes
Monthly Difference
$0
Same take-home
Effective Rate Diff
0.0%
Rate difference

San Diego, CA

Federal Income Tax
Effective: 18.9%
$25.5K
California State Tax
Effective: 7.1%
$10.6K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.8%
$47.6K
Take-Home Pay
$8,530/month
$102.4K

San Jose, CA

Federal Income Tax
Effective: 18.9%
$25.5K
California State Tax
Effective: 7.1%
$10.6K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.8%
$47.6K
Take-Home Pay
$8,530/month
$102.4K

Additional Tax Information

San Diego, CA Tax Rates

Sales Tax:10.5%
Property Tax:0.8%

San Jose, CA Tax Rates

Sales Tax:10.5%
Property Tax:0.8%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

San Diego
San Jose
71 Moderate
Air Quality
47 Good
12.8%
Good Air Days
55.4%
100 Very High
Climate Risk
100 Very High
🔥🌊🌡
Top Hazards
🌊🌅🌡
+2.1°F
2050 Outlook
+2.0°F
1 days
Heat Days >95°F
11 days
+2.1°F
2050 Outlook
+2.0°F
1 days
Heat Days >95°F
11 days

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