California is the nation’s most populous state, home to roughly 39.6 million people.[1] If California were a country, its $4.25 trillion economy would rank fourth in the world.[2] That scale is the first thing to understand about living in California: its multiple regions and topographies in one. The coast, the Central Valley, the Sierra foothills, the desert and the Inland Empire each offer a different climate, price point and pace of life.
It also helps to know where Californians themselves are moving. According to the California Department of Finance, the state’s growth in 2025 was concentrated in the Sacramento region, the Central Valley and the Inland Empire. Placer County was the fastest-growing county in the state, cities such as Roseville, Elk Grove, Folsom, Lathrop and Menifee posted some of the largest population gains, and most new single-family homes were built in inland suburbs including Bakersfield, Roseville, Elk Grove, Irvine, Fontana, Manteca and Lathrop. Since this is where new construction homes are most available, these are also the most attainable places to live.
Of course, the “best” place to live in California depends on what matters most to you. A household with school-age children may weigh school districts and access to parks as most important. A young professional may prioritize job access and walkable neighborhoods. Active adults and retirees often look at healthcare, taxes and community amenities. This guide breaks down where to live in California by lifestyle and budget so you can narrow the map to a few places you could see yourself living in.

For most people who make the move, yes. California pairs the largest and most diverse economy in the country with a coastline, mountains and a climate that support outdoor living year-round. Niche’s 2026 Best Places to Live rankings put 16 California cities in the top 100 best cities in America, more than any other state.[3] The trade-off is cost, and we will be honest about that below. The good news is that California’s housing market has far more range than its reputation suggests.
Whatever you do for a living, there is likely a major hub for it somewhere in California.
There are very few states that allow you to surf in the morning and ski in the afternoon, or trade the beach for a redwood forest on the same weekend. California offers:
Cost of living is typically at the forefront of conversations surrounding moving to California. Here’s the honest picture. The overall cost of living in California is about 44% above the national average, and housing is the biggest reason, running roughly 118% above the U.S. average statewide.[5] But, it's worth recognizing that these averages are pulled up by a handful of coastal metros. Consider the following:
New construction in these growth regions is where many buyers find attainable pricing, and Lennar’s Everything’s Included® approach means the price you see already includes the features most buyers want, without upgrade fees.
Access to top-tier care and education is part of everyday life in most of the state’s regions.
Many of California’s most livable communities are master-planned suburbs that were built surrounding good schools.

California is a diverse state filled with a variety of different regions, experiences, and cultures, including:
This is the state-specific advantage people rarely hear about. California’s income tax is high, but its property tax system is unusually stable for homeowners.
The best place to live in California is the one that matches how you actually spend your days: your commute, your budget, your household and the kind of weather and pace you want. The picks below are grouped by lifestyle, with a mix of well-known cities and fast-growing suburbs where new homes are available.
Top picks: Roseville, Folsom, Elk Grove, Irvine, Rancho Mission Viejo, Carlsbad, Lathrop, Mountain House, Plumas Lake, Stockton, Rancho Cordova and Fresno
Households with children tend to gravitate to California’s master-planned suburbs, where schools, parks and new homes were planned together.
Top picks: San Diego, Sacramento, Los Angeles, San Francisco, Tracy, Vacaville, Fairfield, San Ramon, Woodland and Fresno
Young professionals usually choose California for the jobs first, then look for the neighborhood.
Top picks: Roseville, Lincoln, El Dorado Hills, Rancho Mission Viejo, Palm Desert and Temecula
California is a popular retirement destination for its climate and healthcare and, for longtime California homeowners, a property tax break most people overlook.
Top picks: Fresno, Clovis, Bakersfield, Menifee, Lathrop, Manteca, Ontario, Fontana, Los Banos, Patterson, Antelope, Galt, Ripon and Fresno
Affordable in California means inland, but inland does not mean remote. These cities pair lower costs with highway, rail and airport access to the coast.
Top picks: Lafayette, El Dorado, Sacramento, Rancho Cucamonga, San Diego and Santa Clarita
Move-up buyers usually own a home already and want a better location, more space or an easier way of living. California covers that whole range, from low-maintenance luxury in the East Bay to larger single-family homes in the Sacramento region and Southern California.
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Lifestyle Priority |
Top Recommended California Cities |
|
Households with children |
Roseville, Folsom, Elk Grove, Irvine, Rancho Mission Viejo, Carlsbad, Lathrop, Mountain House, Plumas Lake, Stockton, Rancho Cordova and Fresno |
|
Young professionals |
San Diego, Sacramento, Los Angeles, San Francisco, Tracy, Vacaville, Fairfield, San Ramon, Woodland, and Fresno |
|
Active adults and retirees |
Roseville, Lincoln, El Dorado Hills, Rancho Mission Viejo, Palm Desert, Temecula |
|
Affordability |
Fresno, Clovis, Bakersfield, Menifee, Lathrop, Manteca, Ontario, Fontana, Los Banos, Patterson, Antelope, Galt, Ripon and Fresno |
|
Move-Up Buyers |
Lafayette, El Dorado, Sacramento, Rancho Cucamonga, San Diego and Santa Clarita |
Relocating to California often means learning a new region, a new commute and a new set of housing rules. A new construction home in an established community can relieve several of those variables at once. Our guide to new construction vs. resale walks through the trade-offs in detail; here is what matters most in California specifically.

Lennar builds new homes in nine California regions, from the Sacramento Valley to the Mexican border. That footprint covers most of the cities in this guide, so you can pick a region first and work down to a community.
Flagship masterplans include River Islands in Lathrop, Rancho Mission Viejo in Orange County and Silverwood in the Inland Empire. Browse all new homes in California to see current communities and available homes in each region.
California households come in every shape, and so do Lennar homes. Four home types are available across the state.
Many Lennar homes in California include today’s most popular features at no extra cost to you. Without upgrade fees. No surprises. That is what Everything’s Included® means.
Depending on the community and homesite, included features can cover:
Specific features vary by community and homesite, and not all features are included in every home, so check the community page or ask a New Home Consultant for the written features list. Learn more about how Everything’s Included® adds value.
Lennar’s affiliated services are designed to take coordination off your plate. Lennar Mortgage, LLC has financed new construction homes since 1973, can lock your rate during construction and can walk you through assistance programs available in your area. Lennar Title helps keep your closing on track. Lennar Insurance Agency can connect you with homeowners insurance options tailored to new construction in California before you close. And after you sign a purchase agreement, a New Home Concierge guides you through every step to move-in day.
Not sure where to start? Take the Homebuyer Quiz to match your priorities to California communities and home types.
Lennar is one of the nation’s leading homebuilders, with new home communities in more than 30 states and 90+ markets. Every Lennar home is built around Everything’s Included®, and in California you can choose from single-family homes, townhomes and condominiums, Next Gen® multigenerational floorplans and active adult communities across nine regions.
Whether you are ready to buy tomorrow or still researching, here is where to start:
SafeWise’s 2026 report, based on FBI violent and property crime data adjusted for population, ranks Danville, Rancho Santa Margarita, Lincoln, Moorpark, Yorba Linda, Calexico, Poway, Laguna Niguel, San Ramon and Thousand Oaks as California’s ten safest cities. Safety varies block to block, so review local police department data and visit neighborhoods at different times of day before you decide.
Nine national parks, beaches from San Diego to the redwoods, skiing at Lake Tahoe and Mammoth, wine country in Napa, Sonoma and Temecula, theme parks in Anaheim and Los Angeles and professional sports in every major metro. Most residents settle into a mix of neighborhood parks and trails during the week and a bigger outing on weekends.
About 44% more than the national average overall, with housing about 118% higher. The range is wide: Fresno is 6% above the national average, Sacramento 23%, San Diego 47%, Los Angeles 52% and San Jose 83%. Property tax is about 1% of assessed value plus local items, and California does have a high state income tax, so it is worth mapping your full budget, not just the home price. Our financial tips for first-time homebuyers can help you build that budget.
California is one of the most diverse states in the country; about one in four residents was born outside the United States. That shows up in food, festivals, languages and neighborhoods in every major metro, and increasingly in fast-growing suburbs as well.
Rank your priorities: commute, budget, schools, climate (coastal fog vs. inland heat) and pace. Then visit. Touring model homes in two or three communities in a single weekend is the fastest way to feel the difference between, say, Folsom and Menifee. Lennar’s Homebuyer Quiz can also narrow the list.
For many retirees, yes. Mild weather, major healthcare systems, active adult communities and Proposition 19, which lets homeowners 55+ transfer a lower property tax base to a new home anywhere in the state, are the main draws. Weigh those against the cost of living and state income tax for your situation.
California has the fourth-largest economy in the world and leading employers in technology, entertainment, life sciences, aerospace, agriculture, logistics and clean energy. Remote and hybrid work also mean you can live in a more affordable inland community while staying connected to coastal employers.
Yes. Lennar builds in nine California regions: Fresno / Bakersfield, Inland Empire, Los Angeles / Ventura County, Orange County, Palm Springs / Coachella, Sacramento, San Diego, San Francisco / Bay Area and San Francisco Metro Area. Home types include single-family homes, townhomes and condominiums, Next Gen® homes and active adult communities. See all new homes in California.
No home’s future value is guaranteed, but the fundamentals are favorable: California’s population growth and new housing are concentrated in the inland communities where new construction is being built, and homes built to current seismic, wildfire and energy codes stay desirable to future buyers. Location, schools and continued community investment still matter most, as our new construction vs. resale guide explains.
Yes, though availability has been tighter in some high wildfire-risk areas in recent years. The state’s Sustainable Insurance Strategy is bringing insurers back: as of July 2026, 11 homeowners insurance groups have committed to grow in California, and the FAIR Plan remains available as a backstop.[11] New homes built to current codes can be easier to insure than older resale homes and often qualify for lower premiums, and Lennar Insurance Agency can help you line up coverage before closing.
New homes are built to the current California Building Standards Code, which includes seismic design requirements statewide. In designated fire hazard zones, Chapter 7A requires ignition-resistant roofs, vents, siding, windows and decking designed to resist embers. Older homes may lack these features unless they have been retrofitted.
Under Proposition 13, your tax base is your purchase price, taxed at 1% plus local voter-approved items, with assessed value growth capped at 2% a year. Expect a one-time supplemental bill in your first year. Some newer communities also carry Mello-Roos assessments that fund local schools, parks and infrastructure; these are disclosed before purchase, and your New Home Consultant can tell you the exact figure for any community you are considering.
Yes. The California Housing Finance Agency (CalHFA) offers down payment and closing cost assistance, including the MyHome Assistance Program and the Dream For All Shared Appreciation Loan for first-generation buyers, which opens funding rounds periodically.[12] Lennar Mortgage, LLC can walk you through the assistance programs available in your area, and our six-month renter-to-homebuyer timeline is a good place to start planning.
Both are realistic; they buy different things. Near the coast, a given budget more often means an attached home or an older resale and a longer search. Inland, the same budget typically means a newer single-family home in a master-planned community. Hybrid work has made inland commutes workable for many households, and Lennar builds in both.
Northern California (the Bay Area, Sacramento and the northern Central Valley) tends toward cooler, foggier coasts, four mild seasons inland and an economy anchored by technology and government. Southern California (Los Angeles, Orange County, San Diego, the Inland Empire and the Coachella Valley) is warmer and drier, with entertainment, aerospace, biotech and logistics driving the economy. Lennar builds in four Northern California regions and five in Southern California.
[1]California Department of Finance. (2026, May 1). E-1 Population Estimates for Cities, Counties, and the State, January 1, 2025 and 2026 [Press release]. https://dof.ca.gov/media/docs/forecasting/demographics/estimates/e-1_2026_press_release.Pdf
[2]Office of Governor Gavin Newsom. (2026, July 24). California’s economy isn’t just bigger than Texas and Florida, it’s growing faster, too. https://www.gov.ca.gov/2026/07/24/californias-economy-isnt-just-bigger-than-texas-and-florida-its-growing-faster-too/; Public Policy Institute of California. (2026, July). California’s Economy. https://www.ppic.org/publication/californias-economy/
[3]Niche. (2026, March 23). Niche Releases 2026 Best Places to Live in America Rankings [Press release, via GlobeNewswire]. https://lite.aol.com/entertainment/story/0022/20260323/9675878.htm
[4]National Park Service. California. https://www.nps.gov/state/ca/index.htm
[5]RentCafe / Council for Community and Economic Research. (2026, September). Cost of Living in California 2026. https://www.rentcafe.com/cost-of-living-calculator/us/ca/
[6]KRON4. (2026). Bay Area suburb tops list of safest cities in California for 2026 (SafeWise). https://www.yahoo.com/news/articles/bay-area-suburb-tops-list-174218249.html; Town of Danville. (2026, February). Danville Named Safest City in California. https://danville.ca.gov/CivicAlerts.asp?CID=6
[7]Niche. (2026). Best School Districts in California: Irvine Unified School District. https://www.niche.com/k12/search/best-school-districts/d/irvine-unified-school-district-ca/; Pleasanton Weekly. Two Tri-Valley school districts rank high in Niche’s California list. https://www.pleasantonweekly.com/?p=46762
[8]U.S. Census Bureau. QuickFacts: California. https://www.census.gov/quickfacts/fact/table/CA/PST045224; Public Policy Institute of California. (2026, January). California’s Population. https://www.ppic.org/publication/californias-population/
[9]California State Board of Equalization. Proposition 19 Fact Sheet (Publication 801). https://www.boe.ca.gov/pdf/pub801.pdf; Sacramento County Assessor. Proposition 19: Changes to Real Property Transfers. https://assessor.saccounty.gov/content/assessor/us/en/news/proposition-19.html
[10]CAL FIRE Office of the State Fire Marshal. Building in the Wildland. https://www.fire.ca.gov/osfm/what-we-do/community-wildfire-preparedness-and-mitigation/building-in-the-wildland; California Building Standards Commission. Chapter 7A Materials and Construction Methods. https://www.dgs.ca.gov/BSC/Resources/2022-Title-24-California-Code-Changes/Part-2-Chapter-7A-Materials-and-Construction-Methods
[11]California Department of Insurance. (2026, July 13). Insurance surge expanding options for Californians in wildfire distressed areas [Consumer alert]. https://www.insurance.ca.gov/0400-news/0102-alerts/2026/Insurance-surge-expanding-options-for-Ca.cfm
[12]California Housing Finance Agency. (2026, January 16). Dream For All will resume accepting applications in February [Press release]. https://cloud.calhfa.ca.gov/about/press/press-releases/2026/pr2026-01-16.htm
¹ Financing, title and insurance services are available through seller’s affiliate Lennar Mortgage, LLC, Lennar Title and Lennar Insurance Agency, but use of Lennar Mortgage, LLC, Lennar Title and Lennar Insurance Agency is not required to purchase a home (See Affiliated Business Arrangement Disclosure - https://mcv0gwmvppxkjtntxgnb0-0xn53y.pub.sfmc-content.com/k0mmgz21jwa). Lennar Mortgage, LLC – NMLS # 1058. Insurance provided and serviced by third-party insurers. Lennar Insurance Agency receives compensation based on the premiums for the insurance policies it sells. All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer’s then-current criteria. Use of Lennar Insurance Agency is not required to purchase a Lennar home. Lennar Insurance Agency is a licensed insurance company. Lennar Insurance Agency LLC’s License #: TN #2436596. Lennar Insurance Agency’s services are only available in states where it is licensed, and insurance coverage through Lennar Insurance Agency may not be available in all states. Insurance services are available through seller’s affiliate insurance agency Lennar Insurance Agency, but use of Lennar Insurance Agency is not required to purchase a home.
Lennar makes no guarantee of present or future market conditions. Forecasts, projections and other predictive statements should never be relied upon. Before making a decision to purchase based in whole or in part on tax treatment or tax benefits, you should consult your own qualified tax advisor, accounting and legal to evaluate the risks, consequences and suitability of any real estate transaction. Features, amenities, floor plans, elevations, and designs vary and are subject to changes or substitution without notice. Items shown are artist’s renderings and may contain options that are not standard on all models or not included in the purchase price. Availability may vary. Plans to build out this neighborhood as proposed are subject to change without notice. Prices do not include closing costs and other fees to be paid by buyer (including a builder fee, if applicable, as described in the purchase agreement) and are subject to change without notice. Please see a New Home Consultant and/or home purchase agreement for actual features designated as an Everything’s Included feature. Third party companies are not affiliated with this promotion, nor do the third party companies sponsor, endorse or support this promotion. This is not an offer in states where prior registration is required. Void where prohibited by law. Copyright © 2026 Lennar Corporation and Lennar Mortgage, LLC. All rights reserved. Lennar, the Lennar logo, Lennar Mortgage, the Lennar Mortgage logo, Lennar Title, the Lennar Title logo, Lennar Insurance Agency, the Lennar Insurance Agency logo and Everything's Included are U.S. registered service marks or service marks of Lennar Corporation and/or its subsidiaries.  Lennar Sales Corp., CA DRE Broker #01252753 (Responsible Broker: Joanna Duke). BMR Construction, Inc., CA CSLB #830955. CalAtlantic Group, Inc., CA CSLB #1037780. Lennar Homes of California, Inc., CA CSLB #728102. Date 10/26