5 Things Home Buyers Need to Know When Moving to San Diego from Another State

San Diego is a dream destination for many, offering a unique combination of sunshine, beaches, and a thriving urban lifestyle. However, moving to this California gem from another state involves some unique considerations. As a real estate agent with extensive experience in San Diego’s market, I’ve outlined the five most critical things home buyers need to know before making the leap.

1. Get Familiar with San Diego’s Diverse Neighborhoods

San Diego is known for its eclectic neighborhoods, each with its own personality. Whether you’re drawn to the laid-back vibe of Pacific Beach, the urban energy of Downtown, or the family-friendly feel of Encinitas, there’s a community for everyone.

La Jolla: Ideal for luxury living, ocean views, and excellent schools.
North Park: A vibrant area with a strong sense of community, craft breweries, and trendy shops.
Encinitas: A coastal neighborhood perfect for families and surfers alike.
Downtown: Urban living with proximity to entertainment and dining.

Tip: Spend time researching neighborhoods online and schedule a visit (or a virtual tour) to see which areas resonate with your lifestyle.

2. Understand the Local Housing Market

San Diego’s housing market is competitive and tends to have higher price points than many other states. It’s important to set realistic expectations about what your budget can afford.

Median Home Price: As of 2025, the median home price in San Diego is approximately $850,000.
Be pre-approved for a mortgage to show sellers you’re serious.
Work with an experienced local real estate agent who understands the market.
Be prepared to act quickly when you find a home you love.
Tip: Partner with a local real estate expert who can provide insights into market trends and help you navigate bidding wars.

3. Prepare for Higher Costs of Living

The sunny climate and coastal lifestyle come with a cost. San Diego’s cost of living is higher than the national average, with housing being the largest expense. California property taxes may seem more affordable compared to other states, averaging around 0.76% of the assessed value. However, the state’s high home prices often balance out this advantage. Keep in mind:

Property taxes are based on the purchase price of your home.
Annual assessments can increase by up to 2%, per Proposition 13.
Tip: Consult with a local real estate agent or financial advisor to understand how taxes will impact your budget.

4. Embrace San Diego’s Lifestyle

San Diego offers more than just beautiful homes—it’s a lifestyle. From year-round outdoor activities to world-class dining and cultural attractions, the city has something for everyone.

Popular Activities: Surfing at La Jolla Shores, hiking Torrey Pines, exploring Balboa Park, and enjoying the farmers’ markets.
Tip: Look for a home that complements your favorite activities, like proximity to beaches, parks, or nightlife.

5. Consider Climate and Energy Efficiency

San Diego’s Mediterranean climate is a dream for most, but the region is also prone to droughts and occasional wildfires. These factors make energy efficiency and home maintenance important considerations.

Tip: Look for homes with drought-resistant landscaping, solar panels, and modern HVAC systems to save on utilities and support sustainability.

Final Thoughts

Relocating to San Diego is a significant life event, but with the right preparation, it can be an incredible experience. By understanding the city’s housing market, exploring neighborhoods, and embracing the lifestyle, you’ll be well on your way to finding your dream home.

Are You Ready to Move to San Diego?

If you’re planning a move to San Diego, I’m here to help. With years of experience assisting out-of-state buyers, I can guide you through every step of the process. Contact Richard Torres, a local real estate agent with the expertise to help you find your perfect home in America’s Finest City.

Richard Torres
Real Estate Agent | SHORE REALTY
📞 (858) 735-3225
📧 rtorres92117@gmail.com
🌐 www.richardtorresrealestate.com
DRE#02002826