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San Diego, California Retirement Guide
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
- 47°F
- Cost of Living Index
- 112.6 (US avg = 100)
- RetireCityIQ Score
- 33 / 100
Overview
Explore the key retirement factors for San Diego, California, including cost of living, taxes, healthcare quality, and climate data.
Cost of Living
Affordability Metrics
San Diego's cost of living is 12.599999999999994% above the national average. For a detailed breakdown of expenses, see our cost of living methodology.
Housing
Real Estate & Housing
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.
Budget validation
Calculate if your savings last in this city
Use RetireFree to test whether your portfolio can support retirement in San Diego, California after local housing costs, taxes, healthcare, inflation, and withdrawal timing.
Open the RetireFree Calculator →Healthcare
Access & Quality
Quality of care and specialist availability are critical for a successful retirement. San Diego scores 7.7 out of 100 for healthcare access.
Care planning link
Find local assisted living in San Diego
If your city research includes aging parents, future care needs, or a move closer to family, compare local care options alongside housing and healthcare access.
Assisted living in San Diego →Taxes
State Tax Climate
California has a tax environment that is moderate for retirees.
Climate
Weather & Environment
With 332 sunny days a year and an average January low of 47°F, San Diego offers a mild winter climate.
Safety & Walkability
Community Safety
Walkability
Demographics
Population Profile
Diversity Breakdown
Frequently asked questions about retiring in San Diego
What is the cost of living in San Diego, California for retirees?▾
The cost-of-living index is 113, roughly 13% above the national average of 100. Median home price is around $905,300.
Does California tax Social Security or retirement income?▾
For California residents: State income tax; Social Security fully exempt; pension and retirement income generally taxable.
What is the climate like in San Diego, California?▾
San Diego, California has January average low around 47°F, July average high around 75°F. Climate normals are based on 30-year averages from NOAA's National Centers for Environmental Information.
What is healthcare access like in San Diego, California?▾
San Diego scores 8/100 on the RetireCityIQ healthcare access index — a limited score. The index combines CMS hospital quality ratings, Medicare Advantage plan availability, and hospitals per 100,000 residents (KFF + CMS data).
Local Professionals
Financial Advisors
DUNHAM
DUNHAM & ASSOCIATES INVESTMENT COUNSEL, INC.
INDEPENDENT FINANCIAL GROUP, LLC
WESTERN FINANCIAL CORPORATION
+38 more financial advisors available