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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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3890 Nobel Drive 201 San Diego, CA 92122

$349,000
2 Beds
2 Baths
1,226 SqFt
Status Active
MLS # 170007292
Property Type Attached
Pacific Sotheby's Int'l Realty
LUXURIOUS high-rise retirement in Central Coastal San Diego. Luxury at its FINEST: AGE 62 and over. 2nd story home: foyer, living room, dining area, complete kitchen, master suite, second bedroom/den/office & second full bath. Large personal patio. Washer/dryer inside your home. Secured underground 2 parking spaces & optional valet. Experience great cuisine, gourmet restaurants, 24/7 concierge, social events and shuttles and more. 2nd resident $276/month. Services include: SEE SUPPLEMENT!

3890 Nobel Drive 508 San Diego, CA 92122

$358,000
2 Beds
2 Baths
1,200 SqFt
Status Active
MLS # 170000462
Property Type Attached
RE/MAX Associates
LUXURY RETIREMENT LIVING AT PACIFIC REGENT LA JOLLA... AGE 62 & over. Recently Upgraded, Spectacular Panoramic Views... Very Private. Upscale Retirement Community offers beautiful dining, gourmet dining room serving lunch and dinner, pool, library, full time activity director, weekly housekeeping, underground parking with optional valet service, transportation, 24-hour concierge, pool, tennis courts & more... Foyer, living room, dining area, complete kitchen, master suite, second bedroom/den/office..

14733 Caminito Orense Este San Diego, CA 92129

$399,000
2 Beds
1.5 Baths
1,470 SqFt
Status Active
MLS # 170006684
Property Type Townhome
RE/MAX United
Absolutely Stunning Views;Secluded&Tranquil setting takes full advantage of the breathtaking Panoramic Vus.Desirable remodeled townhome model,Tasteful neutral decor,2 large Bedrooms w/ double sized closets; Great room w/cozy fireplace,Eat-In Kitchen. Backyard is a tranquil oasis, charming landscaping.Open flowing floorplan,spacious rooms,ample storage,attached 2 car garage;Close to schools,Parks,Shops,EZ freeway access,HOA is in the process of replacing the roof,exterior paint,stucco and landscape

16810 Blue Crane Way #1 San Diego, CA 92127

379000 - 399999
2 Beds
2 Baths
977 SqFt
Status Active
MLS # 170007440
Property Type Attached
Omega Elite California Realty
Nice second floor condo with 2 beds, 2 bath, one car garage, living room has vaulted ceiling with FP and flooring is carpet, good size balcony, located in gated complex (sittella) with play ground, low Mello Roos. Close to 4S Ranch area, shopping center, restaurants, library and LA Fitness, I-15 and Carmel Valley Rd, award winning Poway Schools district. First floor is Garage and entrance door and second floor is property.

3890 Nobel 207 La Jolla, CA 92122

$420,000
2 Beds
2 Baths
1,200 SqFt
Status Active
MLS # 160060488
Property Type Attached
Watermark Retirement Propertie
LUXURY RETIREMENT LIVING at its FINEST: Age 62 and over. One of the finest remodeled units we have ever sold! Popular corner suite with extra-large balcony. Large living room and separate dining room. Large formal foyer. Beautiful complete kitchen with eating bar. Master suite. 2nd bedroom. Second full bath. Washer/dryer. Secure underground parking with free optional valet. Services include elegant gourmet dining room serving lunch & dinner; weekly housekeeping; transportation. 2nd resident = $276/mo.

12675 Camino Mira Del Mar 179 San Diego, CA 92130

399999 - 429999
2 Beds
2 Baths
864 SqFt
Status Active
MLS # 170007397
Property Type Attached
Keller Williams Carmel Valley
Carmel Valley condo priced to sell. Welcome home to this beautiful two bedroom two bath Del Mar Villa Condo. Located in a quiet area of the complex with no road noise. Unit features, tile floors in entry, kitchen and baths, Pergo floors in living room and fresh paint throughout. Granite counters, stainless steel appliances, gas stove and plenty of cabinets make the kitchen a delight to cook in. You will also love the FULL SIZE stackable washer/dryer. (cont'd in supplement)

12685 Camino Mira Del Mar 145 San Diego, CA 92130

$434,900
2 Beds
2 Baths
864 SqFt
Status Active
MLS # 170005669
Property Type Attached
RE/MAX Associates
Welcome Home! This ground floor, corner location allows for plenty of natural light throughout the day! The windows and door face South/East giving you the perfect opportunity to enjoy the morning sun on your large private enclosed patio, perfect for pets! Several upgrades include, wood style floors, upgraded carpet in bedrooms, stainless steel appliances and popcorn ceilings have been removed. Complex features plenty of guest parking for additional cars. Walk to Carmel Grove park right across the street!

3890 Nobel 1108 San Diego, CA 92122

$435,000 - 2Br/2Ba -  for Sale in Pacific Regent La Jolla, San Diego
New
$435,000
2 Beds
2 Baths
1,200 SqFt
Status Active
MLS # 170008299
Property Type Attached
Watermark Retirement Propertie
LUXURY RETIREMENT LIVING at its FINEST: AGE 62 and over. Spectacular panoramic views from every room, both night & day. Foyer, living room, dining room, complete kitchen, mastersuite, second bedroom/den/office & second full bath. Balcony. Washer/dryer. Secured underground parking with optional valet. Services include gourmet dining room serving lunch & dinner, weekly housekeeping, full-time activity director, transportation, 24-hour concierge, and much more. Second occupant is a additional $276 per month.

3574 Caminito El Rincon 100 San Diego, CA 92130

$479,000
2 Beds
2 Baths
974 SqFt
Status Active
MLS # 170007363
Property Type Attached
Coldwell Banker Res Brokerage
Fabulous, rare largest floor plan, 2 masters! top level, custom cabinets, stainless,custom granite counters arrangement, new carpet, plantation shutters, track lighting, custom molding. Near great schools, shopping, restaurants and Community center/ library with trails leading to all. freeway close yet quiet, one of the best locations in Carmel Valley. Complex offers resort living at it's best with pool, spa,tennis and fitness center.

8472 Via Sonoma 30 La Jolla, CA 92037

$499,000
2 Beds
1.5 Baths
1,074 SqFt
Status Active
MLS # 170003680
Property Type Attached
RE/MAX Associates
BRIGHT, SUNNY, WELL LOCATED END UNIT PLAN 3 BOASTS VIEWS ALL AROUND AND ULTIMATE PRIVACY! REMODELED GRANITE KITCHEN & BATHS WITH TILE FLOORING, TEXTURED CEILINGS, PARQUET ENTRY, RECESSED LIGHTING, CLOSET ORGANIZERS, AND MORE! ENJOY MORNING COFFEE OR GLASS OF EVENING WINE ON YOUR OWN PRIVATE BALCONY. MOST OF ALL, YOU WILL JUST LOVE THE OPENESS AND SOOTHING VIEWS. SELLER SELECTS SERVICES. HURRY, WON'T LAST!

6455 La Jolla Blvd. 144 La Jolla, CA 92037

$540,000
2 Beds
2 Baths
989 SqFt
Status Active
MLS # 170005808
Property Type Attached
Canter Brokerage
Beautiful ground floor, west-facing courtyard unit in the desirable Villa La Jolla community. The kitchen has been tastefully updated with stainless appliances, granite counters, soft close cabinets, and stylish tile backslash. Living room has been upgraded with wood floors and recessed lighting and there is a large balcony to enjoy on a lazy afternoon. Located close to the beach, shopping, restaurants and so much more! Real Estate 101...buy the least expensive property in the most expensive neighborhood!

8591 Via Mallorca #b La Jolla, CA 92037

$595,000 - 2Br/2Ba -  for Sale in La Jolla, La Jolla
New
565000 - 595000
2 Beds
2 Baths
1,231 SqFt
Status Active
MLS # 170008608
Property Type Attached
Keller Williams Realty LaJolla
Great quite and View to mountain. This luxury condo has everything - Large kitchen, large bedrooms, private Balcony, 2 one-car garages, and a Private storage room in garage, Large walk-in closet in Master bedroom and in 2nd bedroom, Vaulted ceilings throughout, Very bright and Airy, Conveniently located within walking distance to La Jolla Village Square Mall, restaurants, shopping, and movies. Close to UCSD and easy access to I-5. Complex features Gym and Pool/Jacuzzi. Plenty of guest parking.