San Diego - CA vs Tampa - FL: 2026 Housing Comparison

What this means for buyers

San Diego - CA is roughly 160% more expensive than Tampa - FL in typical home value. Homes sit on market longer in Tampa - FL (41 days vs 25), suggesting more buyer leverage there.

San Diego vs Tampa: 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 $1,946 in Tampa, a gap of $3,108 a month.

Typical rent runs $2,967 in San Diego and $1,991 in Tampa, so the mortgage payment alone is 1.7 times rent in San Diego and 1.0 times rent in Tampa, before taxes and insurance.

Home prices are 26.0 years of rent in San Diego and 14.9 in Tampa; the lower ratio in Tampa means buying there is cheaper relative to renting.

Over the last 23 months typical values moved -1.8% in San Diego and -6.8% in Tampa; over just the last three months the change was +0.3% in San Diego and -0.0% in Tampa.

Homes sell for 99.3% of list price in San Diego and 97.0% in Tampa, after 25 and 41 days on the market, with price cuts on 29% and 31% of listings. All three signs point the same way: buyers have more room to negotiate in Tampa.

The number of homes for sale is down 6% on a year ago in San Diego and down 7% on a year ago in Tampa.

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.