San Diego - CA vs San Antonio - TX: 2026 Housing Comparison

What this means for buyers

San Diego - CA is roughly 239% more expensive than San Antonio - TX in typical home value. Homes sit on market longer in San Antonio - TX (53 days vs 25), suggesting more buyer leverage there.

San Diego vs San Antonio: what the numbers say

At today's 7.24% average 30-year rate with 20% down, the typical home would cost about $5,054 a month in principal and interest in San Diego and $1,493 in San Antonio, a gap of $3,561 a month.

Typical rent runs $2,967 in San Diego and $1,415 in San Antonio, so the mortgage payment alone is 1.7 times rent in San Diego and 1.1 times rent in San Antonio, before taxes and insurance.

Home prices are 26.0 years of rent in San Diego and 16.1 in San Antonio; the lower ratio in San Antonio 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 San Antonio; over just the last three months the change was +0.3% in San Diego and -0.6% in San Antonio.

Homes sell for 99.3% of list price in San Diego and 97.2% in San Antonio, after 25 and 53 days on the market, with price cuts on 29% and 30% of listings. All three signs point the same way: buyers have more room to negotiate in San Antonio.

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

Payments assume a 30-year fixed loan at the Freddie Mac weekly average rate (2026-10-29), 20% down, principal and interest only. Home values, rents and market figures are Zillow Research metro data.