Side-by-side cost of living comparison for 2026
20% cheaper
Naples is 20% more affordable than San Diego. A $75,000 salary in San Diego is equivalent to $60,000 in Naples.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: Florida salaries · California salaries
Housing is typically the biggest factor in any cost-of-living comparison. Naples has a housing index of 180 while San Diego sits at 248 (national average = 100). The median home in Naples costs $520,000 compared to $800,000 in San Diego, a difference of $280,000. Monthly rent follows a similar pattern: $2,100 in Naples versus $2,500 in San Diego.
Groceries and everyday expenses show a narrower gap: Naples scores 106 while San Diego scores 107.
Healthcare costs in Naples (98) are lower than San Diego (107). Both are close to the national average.
Median household income in Naples is $72,178 compared to $79,646 in San Diego. When adjusted for cost of living, income goes further in Naples.
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