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San Diego, California Retirement Guide
established retirement community
33
Retirement Score
San Diego, California at a Glance
- Median Home Price
- $905,300
- State Income Tax
- State income tax; Social Security fully exempt; pension and retirement income generally taxable.
- Avg January Low
- 46.9°F
- Cost of Living Index
- 112.6 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 33 / 100
Retirement Data
Affordability
Cost of Living Index
112.6 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$905,300High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$2,128High confidence
U.S. Census ACS 1-Year · Updated April 2026
Taxes
Retirement Tax Score
30 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security fully exempt; pension and retirement income generally taxable.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
7.7 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
56.4 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
7.7 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
74.9°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
46.9°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
16.1"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
332 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
99.9 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
33.2 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
10.3 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
1,383,987High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
35.8High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
13.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$98,657High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
47.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
7.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
48.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
11.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
54.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
5.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
30.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
17.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in San Diego using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$1,961
Stress-case monthly carrying cost
$2,203
Median home price used: $905,300
Median rent reference: $2,128 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.