Can I Afford to Live in San Diego vs Seattle on $100K?

Here's how a $100K/year salary plays out in both cities after taxes, rent, and core living expenses — based on Q1 2026 data.

San Diego, CA
$5,546/mo take-home
Rent: $2,600/mo (47% of take-home)
Difficult
Seattle, WA
$6,321/mo take-home
Rent: $2,400/mo (38% of take-home)
Tight
Share on X

Monthly budget breakdown

San Diego
CA
Seattle
WA
Monthly take-home (est.)
$5,546
$6,321Best ✓
1BR rent
$2,600
$2,400Best ✓
Groceries (est.)
$414
$410Best ✓
Transport (est.)
$100Best ✓
$100
Utilities
$130
$120Best ✓
Internet
$65Best ✓
$65
Left after essentials
$2,237/month
$3,226/month
Seattle (Washington) has no state income tax, boosting take-home vs San Diego (CA rate: 9.3%).

Frequently asked questions

Is $100K a good salary in San Diego?

At $100K/year in San Diego, your estimated monthly take-home is $5,546. With 1BR rent around $2,600/month, rent takes up 47% of your take-home. That's considered difficult.

Is $100K a good salary in Seattle?

At $100K/year in Seattle, your estimated monthly take-home is $6,321. With 1BR rent around $2,400/month, rent takes up 38% of your take-home. That's considered tight.

Which city is more affordable on a $100K salary?

Seattle leaves you with more money after core expenses — $3,226/month vs $2,237/month in San Diego.

Can I afford to live alone in San Diego on $100K?

It's tight. Rent in San Diego would take 47% of your $100K take-home pay. You may need to find roommates or look at studios to stay within the 30% rule.

Compare other salary bands — San Diego vs Seattle

$40K$50K$60K$75K$80K$120K$150K

See the full cost-of-living comparison

Rent, groceries, taxes, transportation, and more — side by side.

Full comparison

Take-home estimates use simplified federal/state brackets and do not account for pre-tax deductions, 401(k), or local taxes. Data: Zillow, BLS, Numbeo · Q1 2026 · For general guidance only