Poway, CA vs. San Diego, CA: Cost of Living Comparison (2025)
Which city gives you more for your money – Poway or San Diego? This article provides a detailed cost of living comparison to help families relocating, professionals choosing between job offers, or anyone comparing the real-life expenses of living in these two San Diego County cities in 2025. All income figures are expressed in gross monthly income (pre-tax).
1. Housing Costs
Housing is typically the biggest factor in cost of living. Here’s how Poway and San Diego compare for common housing options:
| Housing Type | Poway | San Diego |
|---|---|---|
| 2BR Apartment Rent | $2,400 | $3,100 |
| 3BR Home Mortgage | $3,800 | $4,500 |
🏆 Winner: Poway. A household moving from San Diego to Poway might save $400-700 per month on housing alone.
2. Utilities and Energy Costs
Utility costs are fairly similar between the two cities. Expect to pay around $200-250 per month for a 2BR apartment in either Poway or San Diego. Both have mild climates, so summer and winter bills are comparable.
🏆 Winner: Tie. No major difference in utility costs.
3. Groceries and Daily Expenses
Grocery prices and everyday goods are slightly cheaper in Poway compared to San Diego proper. Expect to spend about 5-10% less on food and household items in Poway.
Eating out is also more affordable, with entrees at local restaurants averaging $12-18 in Poway vs $15-25 in central San Diego.
🏆 Winner: Poway, but the difference is modest for most households.
4. Taxes and Fees
Both cities have similar property tax rates around 1.1-1.2% of assessed value. City service fees and typical HOA dues are also comparable.
🏆 Winner: Tie. No significant tax advantages either way.
5. Cost Summary
| Expense | Poway | San Diego |
|---|---|---|
| Housing | $2,400 | $3,100 |
| Utilities | $225 | $240 |
| Groceries | $400 | $450 |
| Transportation | $60 | $75 |
| Taxes | $800 | $900 |
| Misc | $500 | $600 |
| Estimated Monthly Total | $4,385 | $5,365 |
6. Lifestyle Fit
While Poway is more affordable, San Diego offers walkable neighborhoods, shorter commutes, and a vibrant city feel that some prefer. Poway provides more space, quiet streets, and a slower pace of life.
San Diego averages 5°F cooler than Poway in the summer months. Both have great weather overall.
7. FAQ
Q: Is Poway more affordable than San Diego?
A: Yes, Poway has a lower overall cost of living, primarily due to cheaper housing. See a full cost of living breakdown for Poway.
Q: Which city has lower rent?
A: Poway rent prices are about 20-25% lower than central San Diego.
Q: Where is it cheaper to buy a home?
A: Poway has lower home prices and mortgage costs across all housing types. Browse average monthly expenses in Poway.
8. The Bottom Line
Poway offers significant savings over San Diego, especially for housing. It’s great for families wanting space and affordability. San Diego remains popular for its lively neighborhoods and urban perks – for those willing to pay 20-30% more.
Considering other California cities? Check out our detailed cost of living comparisons for major metros across the state.