San Diego - CA vs Denver - CO: 2026 Housing Comparison

What this means for buyers

San Diego - CA is roughly 67% more expensive than Denver - CO in typical home value. Denver - CO sees more listings with price cuts (36.7% vs 28.8%), a sign of softening seller expectations.

San Diego vs Denver: what the numbers say

At today's 7.32% average 30-year rate with 20% down, the typical home would cost about $5,094 a month in principal and interest in San Diego and $3,053 in Denver, a gap of $2,041 a month.

Typical rent runs $2,967 in San Diego and $1,900 in Denver, so the mortgage payment alone is 1.7 times rent in San Diego and 1.6 times rent in Denver, before taxes and insurance.

Home prices are 26.0 years of rent in San Diego and 24.4 in Denver; the lower ratio in Denver means buying there is cheaper relative to renting.

Over the last 23 months typical values moved -1.8% in San Diego and -4.8% in Denver; over just the last three months the change was +0.3% in San Diego and +0.3% in Denver.

Homes sell for 99.3% of list price in San Diego and 98.9% in Denver, after 25 and 30 days on the market, with price cuts on 29% and 37% of listings. All three signs point the same way: buyers have more room to negotiate in Denver.

The number of homes for sale is down 6% on a year ago in San Diego and down 1% on a year ago in Denver.

Payments assume a 30-year fixed loan at the Freddie Mac weekly average rate (2026-10-22), 20% down, principal and interest only. Home values, rents and market figures are Zillow Research metro data.