November 28, 2025|By One Stop Builders
With San Diego home prices over $900K, is it better to remodel your current home or buy new? We break down the financial and lifestyle factors.
San Diego's hot real estate market makes the "remodel vs. move" decision more important than ever. With median home prices exceeding $900,000, the math often favors remodeling.
The Financial Case for Remodeling
Cost of Moving in San Diego (2025)
- Real estate agent fees: 5-6% ($45,000-$54,000 on a $900K home)
- Closing costs: 2-3% ($18,000-$27,000)
- Moving expenses: $3,000-$8,000
- New home premium: Often $100K+ for desired features
- Total moving cost: $166,000-$189,000+
Cost of Major Remodel
A comprehensive whole home remodel often costs $100,000-$200,000 — potentially saving $50,000+ compared to moving while getting exactly what you want.
When Remodeling Makes Sense
- You love your neighborhood and neighbors
- Your lot size and location are ideal
- Property taxes are locked at favorable rates (Prop 13)
- Your mortgage rate is below current rates
- Kids are in good schools
When Moving Might Be Better
- Fundamental layout issues (wrong number of stories)
- Lot too small for your needs
- Need to change school districts
- Major foundation or structural issues
Consider an ADU
Need more space? An ADU (accessory dwelling unit) adds 400-1,200 sq ft to your property at $150K-$350K — often less than the premium for a larger home, plus generates $2,000-$4,000/month rental income.
Ready to Start Your Project?
Contact One Stop Builders for a free consultation.
