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Preparing to buy an affordable home in San Diego is a multi-step process. One of the first steps is to determine the house payments that make you comfortable. This affordability calculator will give you a ballpark estimate of what “affordable San Diego homes” means.  There are affordable homes in San Diego.  The listings of homes for sale at the bottom of this page are a good place to start. Some people decide that larger homes further inland make the most sense on price-per-square-foot basis.  Other people decide that small condos near the beach in San Diego are the most affordable homes. It really comes down to a lifestyle decision. Review the questions below to decide what’s really important to you before you decide to buy a home in San Diego. Although homes in San Diego are expensive, in exchange for the higher real estate prices we get to live in America’s finest city!

Monthly Gross Income $
Monthly Debt Expenses [?] $
Down Payment: $
Interest Rate: %

Preparing to Buy a Home In San Diego:

    • Ask yourself: “Why is it important to me to buy a home in San Diego?” Have you always wanted to live near the beach?  If so, what is important to you about living near the beach?  Is it financial security? If so, what would you do differently if you had financial security? … Why is doing those things important to you?… When you get to the heart of the matter, it opens up a whole realm of possibilities that you may not have otherwise considered. These are answers that an affordability calculator cannot provide. It is important that the affordable San Diego homes that you find will fit with your lifestyle objectives.
Condos and townhouses are some of the most affordable San Diego homes.
Condos and townhouses are some of the most affordable San Diego homes.
  • Pull together financial information. What is your income, debt, future employment and income potential, and source of down payment?  Are there debts that you can pay off before you buy your San Diego home? Is your job stable with good upward mobility?
  • Ask your personal San Diego real estate consultant to refer a mortgage broker or lender for loan pre-approval. It is important to select a lender that you can depend upon when closing date approaches. Don’t be taken in by a lender who promises a great rate and then disappears when the transaction deadlines approach! If you do not have a personal relationship with a reliable mortgage broker or lender, ask us for a referral, or ask a friend or co-worker to help get you started.
  • Go to a few open houses and see what is available in the areas where you would like to live.  Do you like the urban energy of Downtown San Diego condos, or are you more the quiet type who would enjoy La Jolla real estate?
  • Itemize your requirements in a home. What are the features, styles, and layouts that appeal to you most?  Are you willing to pay more for larger living area or would you be just as happy with a town home condo near the beach in San Diego?
  • Contact a Real Estate Consultant.  The San Diego Realty Pros are not just salespeople.  We help our clients through a lifetime of personal San Diego real estate decisions. It is important to us that you succeed with your real estate investment and, more important, that you enjoy your life here in San Diego!

The process of buying affordable homes in San Diego is a lot easier when you plan ahead.  This means clarifying your objectives, choosing the right Realtor and real estate support team. A well-rounded team includes the Realtor, property inspectors, termite company, repair technicians, escrow officer, title representative, real estate attorney, and accountant.  A good San Diego real estate agent will already have teams in place. That is teams-plural because the makeup of the team will vary depending upon the objective.  If you are considering entry-level condos, San Diego foreclosures, or fixer properties you will have different needs than a San Diego luxury homes buyer.  Choice of property inspectors and other specialists depends upon the type and condition of the property, and the choice of lender depends upon the type of mortgage loan needed (Conventional, VA, FHA, Jumbo).

* Separate multiple values with comma.

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17195 W Bernardo Dr 104 San Diego, CA 92127

$354,900 - 2Br/2Ba -  for Sale in Westwood, San Diego
New
$344,900 - $354,900
2 Beds
2 Baths
944 SqFt
Status Active
MLS # 180063956
Property Type Attached
$344,900-$354,900! Beautiful lower level condo in the sought after community of Waterbridge! Move in ready! Spacious living area, kitchen with newer appliances and relaxing private patio area. Oversize bedrooms with lots of closet space! Newer windows throughout, plush carpeting, upgraded bathrooms and more! Enjoy community amenities including clubhouse, green spaces, gym, BBQ area and more!

17181 W Bernardo Dr 207 San Diego, CA 92127

$345,900 - $355,900
2 Beds
2 Baths
944 SqFt
Status Active
MLS # 180061890
Property Type Attached
Top floor condo offering high ceilings, granite counters and new carpet. The grounds and amenities are immaculate with walking paths, bridges, meandering streams, koi fish, ponds, fountains, waterfalls, BBQ/picnic areas, pool, spa, exercise room, playground, and more.Your Water, Trash, and Sewer are all covered through HOA dues. This is an amazing location with quick access to the I-15, shopping and more.

10377 Azuaga St 124 San Diego, CA 92129

$350,000 - $365,000
2 Beds
2 Baths
881 SqFt
Status Active
MLS # 180063000
Property Type Attached
Upgraded Upper Corner Unit with Mountain views. Tile floors in Entry, Kitchen & bathrooms. Mirrored wardrobe closets with custom built-ins. New brushed nickel door knobs, Upgraded faucets, Custom Shower Doors. Includes: Refrigerator, microwave, Dishwasher, Newer Washer & Dryer. No popcorn ceilings. Cozy gas fireplace. Covered balcony with storage closet. Wired for satellite, DSL & cable, Central Air, 3 speed ceiling fan in dining area. Covered Parking Spot & ample extra parking.

10339 Azuaga St 210 San Diego, CA 92129

$365,000 - $375,000
2 Beds
2 Baths
881 SqFt
Status Active
MLS # 180056774
Property Type Attached
Tucked away in the charming Terra Vista community. Top Floor 2 bedroom 2 bath unit, is move in ready and priced to sell. Airy and Open floor plan, great natural light, a private balcony, two master bedrooms, a laundry closet and much more. Just off the entry is the open concept living space offering a cozy fireplace and access to the patio. Upgraded kitchen features granite countertops, tile flooring and white cabinetry. All appliances convey. Covered Parking space located close to unit.

10329 Azuaga St 257 San Diego, CA 92129

$375,000 - 2Br/2Ba -  for Sale in Sun Ridge Vista, San Diego
New
$375,000
2 Beds
2 Baths
881 SqFt
Status Active
MLS # 180063604
Property Type Attached
Welcome Home!! Beautifully upgraded 1st floor condo unit in the highly desirable community of Terra Vista. This stunning property features an open floor plan with fresh neutral paint and trim, a cozy fireplace, durable tile flooring throughout, lots of storage, and laundry hookups inside the unit. The kitchen boasts quartz countertops and sleek stainless steel appliances. A large master suite with a beautifully upgraded en-suite bathroom and two closets. (Please see supplemental remarks)

11345 Avenida De Los Lobos G San Diego, CA 92127

$385,000 - 2Br/2Ba -  for Sale in The Falls, San Diego
New
$385,000
2 Beds
2 Baths
894 SqFt
Status Active
MLS # 180063649
Property Type Attached
Light and bright upper unit, in great complex, The Falls, in desirable Camino Bernardo neighborhood. New kitchen remodel with self-closing white shaker cabinets, quartz countertops, new dishwasher, LED can lights... New flooring throughout with wood look in main rooms and carpet in bedrooms. Fresh paint. Living area has vaulted ceilings, fireplace with tile surround. Closets with mirrored doors. Laundry in unit. Amenities include two pools, clubhouse, tennis court. 1 carport plus open parking available.

9409 Fairgrove Ln 104 San Diego, CA 92129

$415,000
2 Beds
2 Baths
927 SqFt
Status Active
MLS # 180061460
Property Type Attached
Lovely 2 bedroom, 2 bath, first floor condo in nicely maintained complex with very low HOA fees. Walking distance to Rancho Penasquitos Library, YMCA, post office, grocery store, banks, and restaurants. Easy access to Hwy 56 and Hwy 15. Excellent Poway school district. Brand new HVAC, Granite countertops, newer laminate floors, bathroom vanities & toilets & new light fixtures. Beautiful complex includes lush landscaping, pools and crystal clear ponds. OPEN HOUSE: Sat. 11/17 noon-3:00 PM.

15367 Maturin Dr 161 San Diego, CA 92127

$419,900
2 Beds
2 Baths
1,085 SqFt
Status Active
MLS # 180060580
Property Type Attached
Rarely available, beautiful 2 BR unit in Villa Taviana. Very well maintained, high vaulted ceilings w/ tons of natural light. Spacious 2 level condo has granite countertops, newer appliances, water heater, in unit laundry, and oversized attic for additional storage. Unit has AC, private balcony and 2 assigned parking spaces. Close proximity to top rated elementary schools and shopping. Very family friendly community w/ fantastic amenities including pool, spa, fitness center, tennis court, and yoga studio.

9907 Caminito Cuadro San Diego, CA 92129

$429,000
2 Beds
1.5 Baths
1,088 SqFt
Status Active
MLS # 180063371
Property Type Townhome
Quiet and Upgraded Town-Home in Shadow Tree within the desirable Rancho Penasquitos community. Upgrades include kitchen cabinets, new stove and dishwasher, new water-heater, newer bathrooms, wood laminate floors, electrical panel and a/c unit. Washer, Dryer and Refrigerator are included. This home also has a large 16x12 master bedroom, gas fireplace, large rear patio and a one car garage. Very close to shopping, restaurants, hiking trails and freeways. The complex has a community pool and hot tub.

8328 Regents Rd 1b San Diego, CA 92122

$399,000 - $429,900
2 Beds
2 Baths
894 SqFt
Status Active
MLS # 180057169
Property Type Attached
Value Range Price $399,000-$429,000 - Lovely and rare 1st floor condo unit at the Pines of La Jolla. Soaring 10’ft. Ceilings, brilliant hardwood flooring. Updated kitchen cabinets, newer appliances, updated bathrooms w/ newer vanity and tiled shower enclosure, recessed lighting & updated fixtures, spacious outdoor balcony. Tons of storage, quiet & peaceful surroundings. Secure complex. Low HOA. Walking distance to everything; min to the beach! 2 parking spaces. UCSD bus stop directly outside main gate.

4060 Rosenda Court 228 San Diego, CA 92122

$450,000
2 Beds
2 Baths
1,086 SqFt
Status Active
MLS # 180031368
Property Type Attached
Highly desirable La Jolla Colony complex. This 2bd/2ba unit is the largest floor plan in the community! Nice layout with split master bedroom suites, separated by a large living room off of the kitchen. The living room opens to a fenced patio, perfect for entertaining! Unit includes full-size in-unit Washer & Dryer and comes with two assigned parking spaces. Enjoy access to the community pool & spa. Located close to restaurants, Ralph's, Trader Joe's, Starbucks, Whole Foods, UCSD, Freeways and More!

4060 Porte La Paz 38 San Diego, CA 92122

$460,000 - $465,000
2 Beds
2 Baths
966 SqFt
Status Active
MLS # 180061092
Property Type Attached
Best Unit in the complex! Tastefully upgraded! With Quartz counter tops, stainless steel appliances. Both bathrooms been updated and remodeled. Walk in Closet with organizer in master suite. Upgraded windows and flooring! Patio off dinning area. Laundry closet with full size washer and dryer! 2 assigned parking spots with storage! Best location! UCSD, UTC shopping malls, Shopping center off La Jolla Village Drive close by. Close to freeways and yet quiet! Great potential for live in or invest!