San Diego, CA vs. El Cajon, CA: Cost of Living Comparison (2025)
Which city gives you more for your money – San Diego or El Cajon? This article provides a detailed cost of living comparison to help families relocating, professionals choosing between job offers, or anyone weighing the real-life expenses of calling these California cities home in 2025. All income figures are expressed as gross monthly income (pre-tax).
1. Housing Costs
Housing is often the biggest factor in cost of living differences. Here’s how typical rent and mortgage costs compare:
| Housing Type | San Diego | El Cajon |
|---|---|---|
| 2BR Apartment (Rent) | $2,800 | $2,200 |
| 3BR Home (Mortgage) | $4,500 | $3,400 |
🏆 Winner: El Cajon. Expect to pay about 20-25% less for comparable housing in El Cajon compared to San Diego proper. See a full breakdown of average monthly expenses in San Diego.
2. Utilities and Energy Costs
Utility costs are fairly similar between the two cities, with San Diego averaging about 5% higher bills due to coastal weather patterns:
- San Diego: $180-$250/month
- El Cajon: $170-$230/month
Both cities have similar summer and winter usage, with air conditioning needs driving up summer electric bills.
🏆 Winner: El Cajon, but only slightly. Utility costs are comparable overall.
3. Groceries and Daily Expenses
Grocery costs run about 5-10% cheaper in El Cajon compared to San Diego. A typical family might spend:
- San Diego: $1,000/month on groceries
- El Cajon: $900/month on groceries
Eating out is also more affordable in El Cajon, with entrees at local restaurants averaging $12-18 vs $15-25 in San Diego.
🏆 Winner: El Cajon. Expect to save $100+/month on food in El Cajon.
4. Taxes and Fees
Both cities have a 7.75% sales tax rate. Property taxes are also similar:
- San Diego: 0.73% average effective property tax rate
- El Cajon: 0.77% average effective property tax rate
🏆 Winner: Tie. Taxes and fees are nearly identical between San Diego and El Cajon.
5. Cost Summary Table
| Cost Category | San Diego | El Cajon |
|---|---|---|
| Housing (3BR) | $4,500 | $3,400 |
| Utilities | $220 | $200 |
| Groceries | $1,000 | $900 |
| Transportation | $100 | $150 |
| Misc | $500 | $400 |
| Estimated Monthly Total | $6,320 | $5,050 |
6. Lifestyle Fit
El Cajon offers more affordable housing and slightly lower daily living costs. But San Diego boasts better walkability, a thriving downtown, and cooler coastal weather. San Diego averages 10°F cooler than El Cajon during summer months.
For a full look at San Diego living expenses, check out this cost of living guide with details on housing, groceries, taxes and more.
7. FAQ
Is San Diego more affordable than El Cajon?
No, El Cajon has a lower overall cost of living, with more affordable housing, utilities, and daily expenses.
Which city has lower rent?
Typical rent in El Cajon is about 20% lower than in San Diego.
Where is it cheaper to buy a home?
El Cajon has lower home prices and slightly lower property taxes, making it more affordable for buyers.
8. Conclusion
While San Diego’s coastal lifestyle is appealing, El Cajon offers better affordability for families and professionals on a budget. Housing costs alone are 20-25% cheaper in El Cajon.
However, San Diego may be worth the premium for those who prioritize walkability, cool summer weather, and a vibrant downtown.
Considering other California cities? Browse cost of living breakdowns for top metros to compare expenses and find your ideal hometown.