Medical Assistant · San Diego, CA

98.3 hours of work

cover a month's rent on a one-bedroom in San Diego for a medical assistant earning the median $23.76 an hour.

Strained Rank 17 of 20 for Medical Assistants (by rent share of take-home) · Metro median pay is 8% above this job's U.S. median

Median pay
$49,420
per year · $23.76/hr · 9,370 Medical Assistants
1-bedroom rent
$2,335
per month · HUD Fair Market Rent FY2027 (effective Oct 1, 2026)
Take-home
$3,491
per month after federal tax + FICA
Left after rent
$1,156
per month · yours · 67% of take-home

Hours of work = monthly rent ÷ BLS median hourly wage ($2,335 ÷ $23.76). After federal taxes the same rent takes 115.9 h of take-home pay. CA state income tax isn't deducted, so real take-home is a bit higher-taxed.

EARNINGS STATEMENT FY2027 (effective Oct 1, 2026)
Medical Assistant
San Diego-Chula Vista-Carlsbad, CA
Rate (median, hourly)$23.76
Hours in a month173.3
Gross pay$4,118
Federal income tax−$313
Social Security + Medicare−$315
Take-home$3,491
Rent · 1BR · HUD FMR−$2,335

Rent costs

98.3 hours

of work to cover one month

STUB-01

Wages May 2025 estimates · Rent FY2027 (effective Oct 1, 2026)

01 · Paycheck prints

A month at the median wage, line by line.

Rate $23.76 × 173.3 hours (2,080 ÷ 12) prints gross pay of $4,118.

EARNINGS STATEMENT FY2027 (effective Oct 1, 2026)
Medical Assistant
San Diego-Chula Vista-Carlsbad, CA
Rate (median, hourly)$23.76
Hours in a month173.3
Gross pay$4,118
Federal income tax−$313
Social Security + Medicare−$315
Take-home$3,491
Rent · 1BR · HUD FMR−$2,335

Rent costs

98.3 hours

of work to cover one month

STUB-01

Wages May 2025 estimates · Rent FY2027 (effective Oct 1, 2026)

02 · Taxes peel off

Federal income tax and FICA come off the stub.

2026 single filer, standard deduction. State income tax is not deducted here.

Federal income tax 2026, single−$313
Social Security + Medicare−$315

Taxes · $628 · peeled

03 · Rent tears away

A strip as tall as the rent.

98.3 h

of work at $23.76/hr pays $2,335, one month of a one-bedroom in San Diego. The strip is drawn to scale: $2,335 of a $4,118 gross month (57% of stub).

Background tint · rent burden 66.9% of take-home

Rent · 1BR FMR−$2,335

Hours of work

98.3

HUD Fair Market Rent FY2027 (effective Oct 1, 2026) · San Diego metro

04 · What's left is yours

After tax and the 1-bedroom, this remains.

Strained

What's left · yours

$1,156

Take-home before rent$3,491
2BR instead (−$2,823)$668
vs HUD 30%-of-gross rule0.53×

05 · Floor plan

The stub becomes a one-bedroom.

Rent hatches rooms in ledger red, to scale against take-home. Toggle a 2-bedroom — both figures are precomputed HUD FMRs.

1-bedroom floor plan with rent hatched LIVING BED BATH KITCHEN

Hatched share is 67% of take-home (1BR).

06 · Street grid

How San Diego compares for Medical Assistants

Hours of work to cover a one-bedroom's rent, all metros, fewest hours first.

Comfortable (rent ≤ 30% of take-home)Stretched (30–40%)Strained (> 40%)

Sorted by hours of work (1-bedroom HUD FMR ÷ median hourly wage), fewest first. Rank on the page still uses rent share of take-home.

# Metro Hours Rent Wage / hr 0 – 52 h (HUD 30% of gross)
01 Minneapolis–St. Paul 56.4 h $1,427 $25.28
02 Detroit 61.6 h $1,167 $18.95
03 Houston 62.3 h $1,261 $20.25
04 Phoenix 66.3 h $1,493 $22.51
05 Philadelphia 70.6 h $1,558 $22.06
06 Baltimore 72.2 h $1,625 $22.50
07 Atlanta 73.1 h $1,619 $22.15
08 Seattle 73.7 h $2,180 $29.57
09 Dallas–Fort Worth 74.1 h $1,536 $20.72
10 Riverside–San Bernardino 75.9 h $1,705 $22.45
11 Denver 76.6 h $1,831 $23.90
12 Tampa 77.0 h $1,648 $21.39
13 Chicago 78.3 h $1,780 $22.73
14 San Francisco 79.7 h $2,290 $28.75
15 Miami 98.2 h $2,121 $21.60
16 San Diego 98.3 h $2,335 $23.76
17 Washington, DC 98.3 h $2,204 $22.42
18 Boston 103.2 h $2,518 $24.39
19 Los Angeles 104.6 h $2,402 $22.96
20 New York 117.3 h $2,729 $23.26

The ledger

One month at the median wage, line by line, in dollars and in hours of work.

LinePer monthHours of workBasis
Gross pay$4,118173.3$49,420 ÷ 12
Federal income tax−$31313.2$3,750/yr ÷ 12
Social Security + Medicare−$31513.3$3,781/yr ÷ 12
Take-home$3,491146.9CA wage tax not deducted
Rent · 1BR FMR−$2,33598.3HUD FY2027 (effective Oct 1, 2026)
Yours$1,15648.7take-home − rent

Hours = dollars ÷ $23.76; 173.3 = 2,080 hrs ÷ 12. May not sum exactly due to rounding.

Hours of work for rent, by pay level

Same $2,335 one-bedroom, different medical assistant paychecks.

10th · $20.84 112.1 h
25th · $22.93 101.8 h
Median · $23.76 98.3 h
75th · $29.08 80.3 h
90th · $31.89 73.2 h

Bar scale includes the HUD 30%-of-gross line at 52.0 h (52 h rounded). Same 1-bedroom, different paychecks (BLS wage percentiles ÷ 2,080 hrs).

Take-home vs rent

Monthly take-home pay: $3,491 1-bedroom Rent $2,335 Left $1,156 2-bedroom Rent $2,823

Where Medical Assistants keep more after rent

This ranking uses rent share of take-home (rank 17 of 20), not hours.

≤30% of take-home30–40%>40%30% line

Sources & method

  1. U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (OEWS), May 2025 — metropolitan areas — vintage: May 2025 estimates. File: oesm25ma.zip, retrieved 2026-10-06.
  2. U.S. Department of Housing and Urban Development (HUD USER), Fair Market Rents, FY2027 — vintage: FY2027 (effective Oct 1, 2026). File: FY27_FMRs.xlsx, retrieved 2026-10-05.
  3. Internal Revenue Service, Rev. Proc. 2025-32 (tax year 2026 brackets, $16,100 standard deduction) and SSA's $184,500 wage base, used for the take-home estimate.
  4. HUD FMR area: San Diego-Chula Vista-Carlsbad, CA MSA (METRO41740M41740).
  5. Occupation: SOC 31-9092 Medical Assistants.

Take-home = annual wage − 2026 federal income tax (single filer, standard deduction) − Social Security and Medicare. State and local income taxes are not deducted. Wages are May 2025 estimates; rents are HUD Fair Market Rents FY2027 (effective Oct 1, 2026). Full details on the methodology page. Page data last rebuilt 2026-10-06.

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