NAICS 52

Finance and Insurance in San Diego-Chula Vista-Carlsbad, CA

Metro Market Score 72.0 (Difficult), ranked #301 of 331 metros. 4,702 establishments, 39,962 jobs.

Metro Market Score 72.0

Favorable 0-35

Moderate 35-48

Challenging 48-60

Difficult 60+

Difficult

ⓘ Lower is better. Relative to national finance and insurance average.

💰High-Cost Market

San Diego-Chula Vista-Carlsbad scores 72.0 on the Metro Market Score for finance and insurance, placing it in the bottom 10%. High wage costs, strong existing competition, or slowing growth contribute to tougher entry conditions compared to most metros.

Industry Concentration

57.1

LQ: 0.64

Rank #189 of 331 metros

Wage Competitiveness

94.0

$140,712 avg wage

Growth Trend

↓ 20.9

Employment growth index

Rank #263 of 331 metros

Wage Pressure

52.2

YoY wage change index

4,702 Finance and Insurance Firms in San Diego-Chula Vista-Carlsbad

4,702

Establishments

-3.3% YoY

39,962

Total Employment

-3.9% YoY

$140,712

Average Annual Wage

+8.6% YoY

0.64

Location Quotient

Below national avg

Within California

#23 of 24

finance and insurance metros in state

California state rank

#12 of 51

for finance and insurance entry risk

vs State Median

+22.5

worse than median (49.4)

San Diego-Chula Vista-Carlsbad vs California Statewide

How this metro's finance and insurance market compares to California overall. The state ranks #12/51 for entry risk.

Measure	San Diego-Chula Vista-Carlsbad	CA Statewide
Overall Score	72.0 Difficult	46.9 Elevated
Score Type	Metro Market Score	Entry Risk Score
Rank	#301 of 331 metros	#12 of 51 states

Metro and state scores use different methodologies (metro has 4 QCEW-based metrics; state adds BDS survival and momentum data). Direct score comparisons are approximate.

Other Industries in San Diego-Chula Vista-Carlsbad

Healthcare and Social Assistance 38.9 Other Services 59.2 Retail Trade 60.6 Construction 62.4 Real Estate and Rental and Leasing 62.6 Information 71.5 Administrative and Support Services 72.7 Accommodation and Food Services 72.7 Professional, Scientific, and Technical Services 81.7

Finance and Insurance in Other California Metros

Bakersfield-Delano 19.0 #5/331 El Centro 28.6 #36/331 Redding 32.8 #63/331 Merced 34.4 #73/331 Visalia 39.7 #101/331 Fresno 42.2 #121/331 Santa Maria-Santa Barbara 42.6 #124/331 Vallejo 43.3 #130/331 Napa 43.5 #131/331 Modesto 43.8 #135/331

+ 13 more metros. View all in California →

Finance and Insurance Metros With Similar Conditions

Metros within 5 points of San Diego-Chula Vista-Carlsbad's 72.0 score. Useful when comparing markets with comparable entry profiles.

San Antonio-New Braunfels, TX 72.0 #302/331 Greensboro-High Point, NC 72.1 #303/331 Columbia, MO 72.3 #304/331 Chicago-Naperville-Elgin, IL 72.3 #305/331 Manchester-Nashua, NH 72.5 #306/331 Fargo, ND 72.7 #307/331 Miami-Fort Lauderdale-West Palm Beach, FL 72.7 #308/331 Baltimore-Columbia-Towson, MD 72.8 #309/331 Madison, WI 72.8 #310/331 Sacramento-Roseville-Folsom, CA 70.8 #300/331

Finance and Insurance in States Bordering California

State-level entry risk for finance and insurance in adjacent states. Use this to weigh cross-border options.

Arizona 52.6 #29/51 Nevada 55.6 #38/51 Oregon 56.7 #41/51

Browse Finance and Insurance in Other States

State-level entry risk reports for finance and insurance across all 51 markets, sorted by rank.

About Metro Market Score: A weighted composite of industry concentration (25%), wage competitiveness (25%), wage pressure (20%), and employment growth trend (30%). Lower scores indicate more favorable conditions. For San Diego-Chula Vista-Carlsbad's finance and insurance sector, the employment growth component (79.2) has the strongest pull on the composite. Metro scores use QCEW data only (no BDS survival data at metro level). Read full methodology →

Data Sources

Quarterly Census of Employment and Wages (QCEW), Bureau of Labor Statistics. MSA-level establishment counts, employment, wages, and location quotients for the San Diego-Chula Vista-Carlsbad, CA MSA area.

Data period: 2024. Last updated: April 2026.

Metro Market Assessment