Cost to Build a House in San Diego


Building a house in San Diego, one of the most beautiful states of California is like a dream. San Diego is one of the safest cities in California.

If you are planning to move to San Diego and looking for the building costs, you are at the right place.

The average cost of a new home construction in San Diego ranges between $250 to $400 per square foot.

However, the cost per square foot in San Diego varies from region to region depending upon the size and location of the house. For a custom house in San Diego the cost may exceed $600. 


Building a house in San Diego County is more expensive than the national average. The average building cost of a 2500 square foot custom house ranges from 2 – 4 Million Dollars. A house of 3000 square feet costs about 4-6 Million Dollars. 

House Construction in San Diego might take 6 months or a year to get completed without any delay. Read how to move to California. Let’s break down the building costs in detail. 

1. Average Cost to build a house in San Diego

The average cost to build a house in San Diego ranges from $350,000 to $700,000. The cost can vary according to the size, location and materials used in the construction of the house. 

Square Foot land in San DiegoCost of Construction in San Diego as $250 to $400 per square feet. 
1,400 sq ft$350,000 – $560,000
1,500 sq ft $375,000 – $600,000
1,600 sq ft$400,000 – $640,000
1,700 sq ft$425,00 – $680,000
1,800 sq ft$450,000 – $720,000
1,900 sq ft$475,000 – $760,000
2,000 sq ft$500,000 – $800,000
2,100 sq ft$525,000 – $840,000
2,200 sq ft$550,000 – $880,000
2,300 sq ft$575,000 – $920,000
2,400 sq ft $600,000 – $960,000

*The above calculations are estimated the actual cost might vary according to the location of land

2. Factors that Affect the home construction cost in San Diego

A few of the factors affecting the construction cost are discussed below; 


Land Size 

The size of land widely affects the overall budget of the construction. The greater the size of house the higher will be the construction cost, material cost and labor cost. 

Grade of Construction

The construction grades of a house are according to the quality of the material used, finishing, and design.

The building grades are classified as luxury, premium and standard houses. These grades of houses affect the overall building cost.

House type in San DiegoCost per square feet in San Diego 
Standard Grade$190 – $250
Premium Grade$220 – $460 
Luxury Grade$380 – $600

Material Cost 

Material costs are the major factors affecting the building costs. The high-quality materials cost differently according to the nature of work and size of a house. 

Construction Material in San Diego Cost of Construction Material in San Diego per sq ft.  
Insulation$0.2 – $2
Lumber $2 – $8 
Concrete $4 – $10 
Roofing$8 – $20 
Flooring$9 – 430 
Electrical Wiring $7 – $12
Siding $10 – $50 
Dry Wall $10 – $15 per sheet

Labor Cost 

Labor costs are also one of the major factors affecting the building costs. A house is constructed by the various expert labourers.

From architects to plumbers and roof technicians to HVAC installers. All labours cost differently. 

Labor in San Diego Labor costs in San Diego per hr
Construction Manager 5 – 10 % of total cost
House Framer $5 – $20 
Plumber$30 – $200
HVAC installer $3– – $2,000
Roof installer $3,000 – $8,000

Building Permits

Building Permits are necessary to start construction.You can get the  Building Permit from the state municipality by fulfilling the essential requirements.

Moreover, building permits cost less than the other factors. A building permit in San Diego expires after two years of issuance. 

The building permit cost ranges from $1,000 -$5,000 depending upon the size of the house and location of house. 

3. How to afford a house in San Diego?

Owning a house in San Diego is not easier at all. There are different estimations to afford a house in San Diego.


According to recent data , you need to earn $212,577 annually to afford a house in San Diego. 

San Diego Construction loans 

Construction loans are the short-term loans used for the construction of a new house. Construction loans are similar to mortgage loans. However, Construction loans are a bit harder to get. 

You need to have a specific amount for down payments and also need to hire the licensed workers for construction. Moreover, you have to fulfil all the necessary permits. 

Furthermore, using a commercial bank to finance construction is the best and provides various benefits to the lender.

These benefits include the rates at approximately 3 to 4 % , pay the interest only during construction and the rates are automatically converted to a 30-year fixed rate after the completion of the construction. Read how to get a house in California.

Cost to build a house in San Diego FAQs

How much does it cost to build a house in San Diego?

Building a house in San Diego costs between $350,000 to 700,000. The cost can vary according to the location and size of the house. 

Is it Cheaper to build or buy a house in San Diego?

Buying a house is always cheaper than building a new home. Building a house is expensive as it needs various permits and taxes to be fulfilled. Moreover, you have to pay a huge amount for the material and labor costs. Building a house is best for long terms. 

Will San Diego home prices ever go down?

No, home prices always go up each year. However, in rare cases the prices go down.But mostly home prices go up by each passing year. 

Where is the nicest place to live in San Diego?

La Jolla is the nicest place to live in San Diego. The beautiful weather, stunning scenery and high educational institutes. 


San Diego is the 2nd largest state of California and is one of the best places to live in. The Building costs are a bit higher than the national average in San Diego.

The building cost ranges from $250 – $400 per square foot. The costs can be higher for the luxury grade house and ranges up to $500 per square foot. 

We hope the above article helped you in getting a rough estimation of building costs.Visit to know the best time to visit California.