San Diego - CA vs Sacramento - CA: 2026 Housing Comparison

What this means for buyers

San Diego - CA is roughly 62% more expensive than Sacramento - CA in typical home value.

San Diego vs Sacramento: what the numbers say

At today's 7.40% average 30-year rate with 20% down, the typical home would cost about $5,134 a month in principal and interest in San Diego and $3,173 in Sacramento, a gap of $1,962 a month.

Typical rent runs $2,967 in San Diego and $2,269 in Sacramento, so the mortgage payment alone is 1.7 times rent in San Diego and 1.4 times rent in Sacramento, before taxes and insurance.

Home prices are 26.0 years of rent in San Diego and 21.0 in Sacramento; the lower ratio in Sacramento means buying there is cheaper relative to renting.

Over the last 23 months typical values moved -1.8% in San Diego and -2.3% in Sacramento; over just the last three months the change was +0.3% in San Diego and +0.3% in Sacramento.

Homes sell for 99.3% of list price in San Diego and 99.6% in Sacramento, after 25 and 22 days on the market, with price cuts on 29% and 30% of listings. The signs are mixed: San Diego has longer time on the market and sales further below list, while Sacramento has more price cuts.

The number of homes for sale is down 6% on a year ago in San Diego and down 4% on a year ago in Sacramento.

Payments assume a 30-year fixed loan at the Freddie Mac weekly average rate (2026-10-15), 20% down, principal and interest only. Home values, rents and market figures are Zillow Research metro data.