San Diego in October: 24°C / 75°F afternoons, 16°C / 61°F nights, 2 rain days — the mildest October evening on the California coast.
San Diego and Los Angeles share an October afternoon almost exactly. NOAA's 1991–2020 normals put San Diego at 23.7°C and LAX at 23.6°C, a difference nobody could feel. They do not share the evening. San Diego's overnight low is 16.4°C against Los Angeles at 15.4°C, and that single degree is the whole difference in what you pack, because it moves the answer from a jacket to a cardigan. The daily swing here is about 7.3°C, the narrowest of the California cities in this batch and well under San Francisco's, which is what a stable marine influence does to a coastline. San Diego also sits south of the main Santa Ana corridors, so the hot dry wind events that define a Los Angeles October arrive here weaker and less often. Rain is a non-event at 2.4 days. What all of that produces is the least demanding packing problem on this coast: one warm layer, worn open, carried in a tote for most of the day. The city's landmarks reward exactly this. The Hotel del Coronado opened in 1888 and Balboa Park was built for the 1915 Panama–California Exposition, and both are all-day outdoor walking, which is what your shoes should be chosen for rather than your coat.
San Diego and Los Angeles share an October afternoon almost exactly. They do not share the evening, and that is the whole difference in what you pack.

One warm layer is genuinely all October here requires, and this is it. Cotton rather than wool because the overnight 16.4°C never gets cold enough to justify anything heavier, and cotton does not overheat when you keep it on through a warm restaurant. Worn open over almost everything else in this capsule. Ivory keeps it usable over the olive skirt and the swimsuit cover-up alike.

Pleats move, which matters on a day that runs from Balboa Park to a beach to dinner without a change. Short rather than midi keeps it out of sand and off wet boardwalk. Olive-khaki instead of a bright print because San Diego reads more restrained than its beach-town reputation suggests, particularly in La Jolla and Little Italy.

October is the quiet swimming month here. Summer crowds have gone from La Jolla Shores and Coronado, the water is still usable, and you will regret not having this far more than you will regret the space it takes. Plain and unprinted so it works under the striped shirt as a top for the rest of the afternoon rather than only at the beach.

Base layer for the whole capsule, and the piece the cardigan goes over at seven. Ribbed cotton holds shape after a day of sun and salt where a loose jersey goes slack. A fine stripe rather than a solid gives the outfit something to do when the rest of it is olive and ivory.

Worn open over the swimsuit walking back from the water, then buttoned over the tank for lunch. Linen because it dries in the time it takes to cross a car park. A wide stripe rather than plain white, which shows every mark of a beach day and reads as a hotel robe once it is damp.

For the evenings and for Balboa Park, where you are walking on gravel paths for hours rather than sand. Drawstring so it packs flat and forgives a large dinner in Little Italy. Stone rather than white, which does not survive a day that includes a beach at either end of it.

Cushioned footbed and a platform, because the mistake here is a flat leather sandal on a day that turns into fifteen thousand steps between Balboa Park and the Gaslamp. The jute platform lifts you off hot sand and off gravel paths equally. Cream stays quiet against both the olive skirt and the stone trousers.

Sized for a towel, the cardigan and a swimsuit that is still damp, which is the actual load a San Diego October day produces. Woven rather than leather so sand falls out of it rather than staying in the lining. Leather handles because a fully woven handle stretches once you put anything wet in the bag.
Striped tank under the open linen shirt · swimsuit underneath · olive pleated skirt · jute sandals · woven tote. La Jolla Shores early, then Balboa Park before the light goes flat.
Striped tank · stone cotton trousers · ivory cardigan over the top · same sandals · tote. Dinner in Little Italy at eight; it settles at 16°C / 61°F and the cardigan is the only layer you need all trip.
A suggested look — ecru-and-navy striped ribbed tank, olive-khaki pleated short skirt, open ivory pearl-button cardigan, cream jute-platform sandals, large woven tote.
Warm, stable and dry. NOAA's 1991–2020 normals record an average high of 23.7°C and an average low of 16.4°C, with 2.4 days of measurable precipitation across the month. Daylight sits around 11h 15m at mid-month. The daily swing of roughly 7.3°C is the narrowest of the California cities, which is the marine influence doing its work.
In the afternoon they are effectively identical — 23.7°C against LAX's 23.6°C, a difference nobody can feel. At night San Diego is genuinely milder, 16.4°C against 15.4°C. That one degree is why San Diego is a cardigan trip and Los Angeles is a light-jacket trip. San Diego also sits south of the main Santa Ana wind corridors, so the hot dry events that mark an LA October arrive here weaker.
Yes, and it is one of the better months to try. Summer crowds have cleared from La Jolla Shores and Coronado while the water is still usable, so pack a swimsuit even if you would not normally in autumn. Bring a cover-up you can walk back in — a striped linen shirt works better than a towel — and be aware that lifeguard coverage reduces outside peak season.
A cardigan rather than a jacket. The overnight low of 16.4°C is the mildest October evening on the California coast, warmer than Los Angeles and far warmer than San Francisco, and a cotton cardigan worn open handles every evening of the month. A coat is genuinely unnecessary here and will spend the trip in your bag.
It is arguably the best. Rainfall is negligible at 2.4 days, the afternoons hold at 23.7°C, the summer crowds have gone from the beaches and Balboa Park, and hotel rates drop after Labor Day. The narrow daily swing means you pack less here than for anywhere else on the coast, which is not something you can say about San Francisco in the same month.