What Complete Communities Allowed in San Diego in August 2025

In August 2025, Complete Communities could let a San Diego lot carry a much larger building. I still start with whether the lot can support the project and whether the building makes financial sense. On a small lot, stairs and possibly an elevator can take up space you need for homes.

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Key Takeaways

  • In August 2025, San Diego's Complete Communities floor area ratio tiers were 4.0, 6.5, 8.0 or no maximum, with a 2.5 cap on coastal sites under the 30-foot height limit outside downtown's Tier 1.
  • In August 2025, Complete Communities waived San Diego's base zone height limits, but not the 30-foot coastal limit or airport limits; my example was four wood-framed residential floors over a commercial ground floor.
  • In August 2025, San Diego required no off-street parking for apartment projects in a transit priority area, within half a mile of a major transit stop, a different map from the one that set Complete Communities eligibility.
  • On a 25-by-140-foot San Diego lot, my August 2025 Complete Communities example needed room for multiple stairs and possibly an elevator, which is why I see the program as suited to larger lots.

Regulations Cited

  • SDMC 143.1002(a), Complete Communities eligibility (2-2025 ed.)
  • SDMC 143.1010(a)-(d), FAR tiers, density and height waivers (2-2025 ed.)
  • SDMC 143.1015, affordable units comparable in bedroom mix (2-2025 ed.)
  • SDMC 143.1020, Neighborhood Enhancement Fund or public space (2-2025 ed.)
  • SDMC 143.1025(b)-(c), workshops; Process Two over 95 feet (2-2025 ed.)
  • SDMC 142.0528(a)(1), no parking required in a transit priority area (2-2025 ed.)
  • SDMC 113.0103, floor area ratio definition (2-2025 ed.)
  • DSD Information Bulletin 411 (March 2024), Complete Communities

Checked against these sources as of August 2025.

Full Transcript

So, we didn't touch on complete communities and like you said, maybe even more controversial than the ADU bonus program.

Anybody who hates the ADU bonus program is going to lose their mind if they know about the complete communities program.

Let's talk about that. Okay,

let's talk about exactly this complete communities and and I want to know what you have to think about this and if it makes you angry or excited. So, what was the intent behind complete communities?

The intent of the complete communities overlay zones, you can I guess we'll call them overlay zones or the complete communities program.

Yeah.

Is to add much more density than the base zone would allow.

And density based on floor area ratio or unit count.

Well, it's both, but is there, you know, I think from what I've seen through from complete communities is it depending on the tier, your F, it goes up, you know, exponentially. And I think that's why people are going to be really mad if they if they knew about it. It's just for some reason it seems to fly under the radar. But by our office on 30th Street in North Park, if you drive down 30th Street and look, you know, one or two blocks in any direction, you'll see almost a dozen of these complete communities projects going in. Those are the big multif family mixeduse projects that are going in along 30th. In a nutshell, the way the program works is the city has identified different areas that give you different tiers of the complete community's benefits. I suppose the reason why they have indicated these areas is because there's mass transit, although it doesn't directly correspond with the SDA or TPA zone the same way the ADU bonus program does. So if you are in one of these complete community overlay zones, you could have a huge increase on your floor area ratio. So your floor area ratio could go from like a 1.5 to maybe like a five.

This is not doubling yeah the size of the of the biggest structure you could build. In a lot of cases, it's tripling or four or five times as many. It eliminates a height restriction. So, you have no height restriction

unless you're in the like flight path or something.

The FAA is now the height restriction. So, it's not a zoning related height restriction. It's like an FAA.

Got it.

Which you'd probably know more about than me. Well, so let's just use as an example because I have a a client of mine that has been started developing in like the Hillrest, Mission Hills, Bankers Hill area precomplete communities and now this has you know I I think Mayor Falner had put this into place or had approved this or it was his idea or whatever the case was. But you know the height restrictions were what 35 or 60 feet previously. So those are out the window.

They're gone. Now, you're going to be strategically you have to plan the building so it makes financial sense

because the type of construction changes when you get over a certain height,

right? So, there's still limitations. You're probably going to see a lot of five-story buildings because you'll have ground floor commercial which is built with a higher uh construction type and then everything the four levels above will be residential which would be built with like wood

wood frame construction. So, you you'll see a lot of four over ones I think. Um but the other thing it does is it removes the density. So most all bay zones essentially are going to say in this bay zone you can build one dwelling unit per thousand square feet and that would be a medium level density zones.

So let's use a 10,000 foot lot as an example.

Okay 10,000t lot. Let's say the f was 1.5. Now all of a sudden with complete communities your f is five.

So you went from a 15,000 foot

to a 50,000t building.

Y

okay.

And now let's look at density. So density could have been one dwelling unit per 1,000 square feet.

So 10

10. Okay. But now there's no cap on density. The only restriction on density is your floor area ratio.

Okay.

So

So how many units can you fit into 50,000 square feet?

Yes. And you can make small units, you can make big units. It's up to you. It's up to the developer

with no height restriction potentially if someone wanted to go eight stories.

Right.

Okay.

And this exists in single family zoning.

Okay.

And multif family zoning. Now, I'm not here to say it's a good program or a bad program. I think it's all in the way you use the program.

Yeah.

Um, but it's basically a payto-play program.

Okay.

So, the developer is either going to pay the city money to use this program, which the city is supposed to take and put into the parks fund.

So, there's an additional cost for complete communities projects.

There's two ways to get into the program. Okay? either the cost or instead of paying the money for the parks fund, you could

basically give your own park.

Okay.

Which seems like a liability nightmare that I think most developers would avoid.

Yeah. Plus,

you'd rather just pay the money.

Yeah. Also, if you're trying to build the biggest building possible, you don't want to use some of that land to build a park.

Okay. So, it's that's crazy. So, what about parking?

Uh parking is independent. So, if you're in certain overlay zones, you can eliminate parking.

Okay. So, someone could potentially build a hundred units on a property, have ground flooror retail,

which I think would be a benefit, have no parking, and 5 years ago, they couldn't have built more than 10 units on that property.

Yep.

Wow. And so, have these projects, they've been popping up everywhere. Have these projects started seeing completion?

Yeah. So the probably about last year you're seeing the first completed projects um of the complete communities program roll out.

Okay.

But the other main benefit to the developer and probably the biggest surprising thing to the casual homeowner is that this is a buyight process.

Yeah.

So the community gets no buyin. It's not a discretionary permit. It's a buy right permit which is in the developers best interest because it streamline the permitting to have a buy right process where you don't have to schedule different meetings and take community input but it's also something that's going to be very inevitably controversial to the community.

Yeah. So let's use an exact scenario that's going on just down the street from my office office here in Delero. So there is a project on Delero Boulevard. Uh this is one of two parcels that is in the complete communities overlay which if you look on a map there's literally nothing else anywhere close uh you know north of the eight freeway which is wild that these two parcels fall into that. the owner, it's an acre parcel and he was going to build or wants to build or started the permit process to build and now the propertyy's on the market, but he was wanting to build using complete communities to build like 150 units. And this is a a neighborhood where it's mostly single family homes. It's mostly people that are either have been in their houses since the 50s or new families that are coming in because of the schools are so great and it's by right and he started the process and the neighborhood caught wind of it and they wanted to fight it but there was literally nothing they could do

and it's very interesting to see projects you know I get it if you're in these metropolitan areas if you're in these areas where maybe there's public transportation kind of like your main street property People can bike to work, uh, walk to work, you know, it's all right there. Great walkability, you know, North Park as well. But then you get to these neighborhoods where you're building like the guy who built the 30 ADUs. You're putting this smack dab in the middle of a huge residential single family home development. There's no parking. There's really no you're you're, you know, 2 miles from San Diego State, but there's no great infrastructure for people to get there. Um, and there's there's nothing anyone in the neighborhood can do do about it.

It's it can be frustrating. I'm sure the success of those projects, in my opinion, comes down to basically two things. If you're going to be trying to market a unit without parking, what does the rental market

uh say about that? So, can you get a tenant?

Yeah.

Or maybe you can't get a tenant and then you've made a big mistake.

Yeah. But really, I think ultimately in the grand scheme of things, the success of these giant projects comes down to the success of the future of mass transit in San Diego. Yeah.

Which is kind of stagnant.

Yeah. And still TBD because you're exactly right. San Diego has remained a very uh car focused city.

Uh car dependent, I guess a better way to put it.

Now, do you think a project like that would work well if it was right outside a trolley stop?

I do. I think I think that project so the client that I have who's doing these projects they're in a metro area so public transportation is more available they have built-in co-working spaces so they've literally made it so you can go to whatever floor in this building and go to work so people can you know if they're just out of college if they're relocating to San Diego say they're coming and they have the ability to work remotely um and they want to still be in San Diego and enjoy everything that there is, they're able to take advantage of that and not be car dependent. So, I do think there are scenarios where or situations where it can make sense. But yeah, I mean, you're exactly right. Like San Diego State built I I was going there when they built the trolley stop. And the thought was, oh, people can live in all these other different places and take the trolley to school and it would get rid of traffic.

It it didn't do anything for traffic. I think there's still a big shift that needs to happen from a mindset standpoint for public transportation to start working. Um, you know, I I don't I don't know how accepted widely accepted, you know, self-driving cars are going to be, you know, and and if that's going to maybe be the shift where people say, "Okay, great. I can just take a self-driving Uber to work every day and I don't need a car." I don't know. I think only time will tell. So, it seems like the biggest concern about these types of developments is really what happens with traffic and and parking.

Agreed. I don't think it's the number of people living there. I I think that's a if nothing else, especially in these, you know, higher density areas, it's a benefit. It's better for the businesses. There's more restaurants that can come along. There's more retail shopping, you know, for all the different types. And, you know, I think it's a it's a huge benefit.

Yeah. There's one that's going up right next to my house on Imperial where we have the trolley running through. Yeah. It's literally across the street from the trolley stop. I don't think there's any parking and I I think it'll be a great project for the neighborhood. You know, um the one thing about parking basically, I think you're right. Like if you can decouple the requirement for driving from these projects, then you probably have a much much less complaints about these projects and probably much more successful projects. I personally think that there's going to be lots of vacancy, but I think that people are still so car dependent. You know, I and I don't know if the work from home is something that will happen forever. I mean, you've seen Horton Plaza

that's, you know, not being finished and yeah, maybe they may give it back to the bank. And that was supposed to be a massive tech hub, you know, and there were going to be tons of jobs, which would have been perfect for people to ride their line bikes, which don't exist anymore, or bird scooters or, you know, whatevers to work. Yeah. I think I think it's an only time will tell sort of deal.

I have an employee who rides an electric scooter from downtown to North Park every day.

From downtown to And how do how do they get there? Do they go up park? He kind of zigzags in between the streets. Yeah. But the bike lanes are a huge advant I know they're kind of controversial, but they're a huge advantage to him. Yeah.

Um and there was a time when I worked in the Spreckles building downtown and I would

I remember that office.

I would use the Bird Scooter to go from my house in Logan Heights downtown. It was like about 3 miles and uh it was actually kind of exhilarating to ride it in the morning.

Yeah. Exactly right. I mean I it's funny. I went to I was in Austin for a conference and rode a bird scooter to the conference every day and then after rode a bird scooter to the breakout meetings and like the dinner and all that kind and like yeah it was rad. It was super cool. It's just whether or not San Diego like San Diego just needs to get there and they're going to it's not you know these buildings aren't going to get torn down so it's going to happen. It just needs to start. So, just to tie it back to the complete communities thing and to put a pin in this, the reason people aren't providing parking is because it's so expensive to parking and a parking space is about is almost 200 ft. So, the developer incentive is to build a bedroom instead of a parking space because it rents for more. A bedroom is about $500 more per month. A parking space maybe $7,500 more per month. So, the incentive is there for the bedroom. And then the last thing I should mention about the complete communities program is these are programs that are designed to work on larger lots.

If you have a 25 by 140 uh foot lot, it doesn't matter if you're in complete community zone because these projects are going to require multiple paths of egress. So multiple staircases, maybe an elevator.

Got it.

Lots of things. These are bigger projects and that's what you see in North Park. The developer is basically the developers are buying the entire

assembling. Yeah. Exactly right.

Bigger projects. I think that's I think for anyone watching this like it's not like the ADU situation. It's more so it's big lots that people are buying and and that's yeah I don't I don't think it's like should be something scary like oh my god they're complete communities and here's what we're doing.

Um it's just another

thing that's going on in San Diego and and it's the intent is more housing. you know, the intent is let's try and figure out how to get people off the street. I think, you know, unfortunately the cost is still very high. Rents are still very high. So, even though you're, you know, adding housing, it's not affordable for a lot of people,

right?

That's a conversation for another day.

Different conversation.

Yeah. Exactly. Right. Cool.

That was awesome.

How Much Could I Build With Complete Communities in San Diego in August 2025?

In August 2025, San Diego’s Complete Communities tiers set a floor area ratio (building area divided by lot area) of 4.0, 6.5, 8.0 or no maximum. Outside downtown’s Tier 1, coastal sites under the 30-foot coastal height limit were capped at 2.5. A 1.5 bonus was possible with a qualifying bedroom mix and one lease per home.

For illustration, a hypothetical 10,000 sq ft lot at a ratio of five gives a 50,000 sq ft allowance. Five wasn’t one of the program’s tiers; the tier depends on the property’s location.

Under a base zone ratio of 1.5 (the base zone is the zoning that ordinarily controls the site), that same lot would allow 15,000 sq ft. That’s the starting point for the comparison.

Unit count works differently. At a hypothetical limit of one home per 1,000 sq ft of lot area, you’d have 10 homes. In this Complete Communities scenario, floor area replaced the original unit-count cap, while building-code requirements also limited how many homes could fit.

I ask how big the building can be, then how many homes it can hold. Smaller apartments and larger apartments use that space differently, so the floor area calculation still has to become a workable plan.

How Tall Could a Complete Communities Building in San Diego Be?

In August 2025, taller than San Diego zoning normally allowed, though the program didn’t waive the 30-foot coastal height limit or airport compatibility limits. Height isn’t where I start, though. I start with construction that makes financial sense. One possible arrangement in my example was five stories: four wood-framed residential floors over a commercial ground floor.

The planning rules can let you draw more floors, and the structure still has to pay for itself. As a building gets taller, its construction type (how it’s built, including its structure) can change, and that belongs in the financial calculation.

Near an airport, the flight path matters too. I’d want that answer for the property alongside the construction approach before treating a taller building as the plan for your lot.

What Extra Cost Does Complete Communities Add in San Diego?

As of August 2025, San Diego’s Complete Communities program came with two costs: affordable homes within the project and a fee to the city’s Neighborhood Enhancement Fund, which the city says pays for park and active transportation amenities in underserved communities. I think of it as pay to play.

Instead of the fee, a site of at least 25,000 sq ft could provide a public space of at least 4,000 contiguous sq ft, with recorded public access and maintenance obligations. That choice has to make sense alongside the building you’re trying to fit on the site.

That public space comes out of the property. If you’re fitting a large building there, I’d compare the fee with the land the space would use, and I’d bring that choice into the project early.

A larger floor area allowance still has to work with the cost of using the program and the amount of site left for the building. I wouldn’t put a dollar figure on your lot without checking its program requirements; account for that obligation while you decide whether the larger project makes financial sense.

Do I Have to Provide Parking for Complete Communities in San Diego?

As of August 2025, maybe not, and Complete Communities itself didn’t decide it. A San Diego apartment project in a transit priority area, within half a mile of a major transit stop, needed no off-street parking; elsewhere the usual parking rules applied. That map differs from the one that set program eligibility, so check it on its own.

The space tradeoff is easy to see: a parking space occupies area a developer might want for a bedroom. I still come back to the tenant. Can someone actually live there without depending on a car?

To me, the long-term success of these buildings comes down to useful mass transit. I think there’d be fewer complaints about a project if residents didn’t need to drive, and the daily trip to work is part of whether that can happen.

I’ve had a commute that worked without a car. When I worked downtown, I used to ride a Bird scooter from Logan Heights, about three miles. That morning ride was kind of exhilarating.

Do Neighbors Approve a Complete Communities Project in San Diego?

In August 2025, a qualifying San Diego Complete Communities project could be approved ministerially, by staff applying fixed standards. Projects in communities of concern (areas the city rates low in access to opportunity) had to hold at least two community workshops, and some tall buildings needed a discretionary permit. That’s why a large building can surprise a homeowner.

Outside downtown’s Centre City Planned District, a site over 20,000 sq ft needed a Neighborhood Development Permit, a discretionary approval, for a building over 95 feet or over the base zone’s height limit, whichever was greater. I’d check that approval route before assuming neighborhood meetings are part of a project’s review.

That predictability is a benefit to the developer planning the project. The approval process is part of the program’s practical value, alongside the larger building allowance.

I understand why it can frustrate homeowners who expected a chance to weigh in. If a much larger building is proposed nearby, the way it moves through review can be as surprising as its size, so I’d look at its size and parking assumptions early.

Can Complete Communities Work on a Small San Diego Lot?

It’s difficult, so on a small San Diego lot I start with whether the larger building physically works. In my August 2025 planning example on a 25-by-140-foot lot, multiple paths of egress (ways out of the building) would take up space for stairs, and an elevator might need to fit too. Those are bigger-building problems.

A narrow lot still has to accommodate the stairs and any elevator alongside the homes you’re trying to create. That’s why I see Complete Communities as a program suited to larger projects and larger lots, and I want to see what remains for homes once the building’s circulation (the space people use to move through it) is accounted for.

Start by checking whether your lot falls in the mapped Complete Communities area, then test where the stairs and any elevator would go and see what’s left for homes. If you’d like a second look at whether the program can work on your lot’s footprint, we offer a complimentary consultation.

Questions You Might Still Have

What's the Difference Between Floor Area Ratio and Unit Count?

Floor area ratio compares a building's floor area with its lot area; unit count tells you how many homes it contains. I keep those questions separate because a building's area doesn't tell you how large each apartment will be.

Who Chooses the Size of the Apartments?

The developer. In my August 2025 hypothetical, the developer could choose smaller or larger apartments within the floor area allowance, provided that the required affordable homes had to be comparable in bedroom mix to the market-rate homes. I still want to see how those homes fit into a workable building.

Does Complete Communities Use the Same Map as the Accessory Dwelling Unit (ADU) Bonus Program?

Partly. In August 2025, Complete Communities applied only inside the Sustainable Development Area, the area within a set walking distance of a major transit stop, and only where zoning allowed at least 20 homes per acre. The ADU bonus program gave its larger bonus inside that same area and a limited bonus outside it. I'd check the property's location for each program separately.

What Kinds of Buildings Were Going in Along 30th Street in North Park?

In August 2025, I was seeing large apartment buildings and mixed-use projects (homes combined with commercial space) going in around our office on 30th Street in North Park.

Can Someone Commute From Downtown to North Park Without a Car?

One of our employees has made that trip by electric scooter. Bike lanes helped him zigzag through the streets between downtown and North Park.

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