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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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17075 W Bernardo Dr 108 San Diego, CA 92127

$345,000 - $352,500
2 Beds
2 Baths
955 SqFt
Status Active
MLS # 180066599
Property Type Attached
Reviewing offers from $345K - $352,500. Rancho Bernardo 2B/2BA corner unit, ground level condo. Upgraded kitchen, granite countertops, stainless appliances & white cabinetry. Spacious living room w/ laminate floors, ceiling fan & sliding glass door to patio & stackable washer/dryer. Guest bath has upgraded vanity, shower in bathtub. Master features ceiling fan & attached bathroom w/ upgraded vanity, shower in bathtub. Central A/C & 2 reserved parking spaces. Investors -Tenant occupied through 9/2019!

17195 W Bernardo Dr 104 San Diego, CA 92127

$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!

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. Upgraded kitchen features granite counters 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. All appliances convey. Covered Parking space located close to unit.

13333 Caminito Ciera 99 San Diego, CA 92129

$390,000
2 Beds
2 Baths
889 SqFt
Status Active
MLS # 190001540
Property Type Attached
Welcome home to this airy and bright first floor end unit just steps from the pool in the gorgeous Sun Ridge Community! Brand new carpet, and a refreshed kitchen make this truly move-in ready. Boasting 2 master suites and a spacious living area, this unit will accommodate your square footage needs with ease! Spacious covered patio w/ large storage closet. Stacked full-size washer/dryer in unit means no more hauling heavy loads! Features 1 covered parking space, plus open parking in uncovered spaces.

17161 Alva Rd 1011 San Diego, CA 92127

$407,000 - 2Br/2Ba -  for Sale in Bernardo Springs, San Diego
New
$399,988 - $407,000
2 Beds
2 Baths
968 SqFt
Status Active
MLS # 190002767
Property Type Attached
Crisp and clean 2 bedroom, 2 bath unit in Bernardo Springs next to 4S Ranch. Totally remodeled kitchen with quartz counters, under-mount sink, new cabinets, all stainless appliances with french door fridge. Luxury vinyl tile floors. Custom bathroom cabinets. All new double pane windows. New water heater. Fireplace in living room, inside laundry with full size washer and dryer, balcony with storage closet. Ownership includes a detached garage and carport. No Mello Roos.

9785 Caminito Cuadro San Diego, CA 92129

$399,900 - $414,000
2 Beds
1.5 Baths
1,088 SqFt
Status Active
MLS # 180066538
Property Type Attached
Entertain offers $399,900*$414,900 Amazing 2 bedroom 1.5 bath lower level townhome,desirable Penasquitos community.New carpet,with new laminate wood look flooring in the kitchen and dining area. Freshly painted move in ready.New blinds on all the windows.Gas fireplace in the 16x12 living room,Granite counters in bathrooms, master bath has been remodeled,New baseboards, Stacked washer and dryer inside.New water heater,additional parking right in front of your own private 1 car garage.Fenced backyard.

9907 Caminito Cuadro San Diego, CA 92129

$419,000 - 2Br/2Ba -  for Sale in Shadow Tree, San Diego
New
$399,000 - $419,000
2 Beds
1.5 Baths
1,088 SqFt
Status Active
MLS # 190003018
Property Type Townhome
Range Priced at $399,000 - $419,000. Quiet & Upgraded Town-Home in Shadow Tree within desirable Rancho Penasquitos. Upgrades include kitchen cabinets, new stove & dishwasher, new water-heater, newer bathrooms, wood laminate floors, electrical panel & a/c unit. Washer, Dryer & Refrigerator included. This home also has a large 16x12 master bedroom, gas fireplace, large rear patio & a one car garage. Very close to shopping, restaurants, hiking trails and freeways. The complex has a community pool & hot tub.

13754 Mango Dr. 316 Del Mar, CA 92014

$457,500
2 Beds
2 Baths
804 SqFt
Status Active
MLS # 180052149
Property Type Attached
BRIGHT TOP FLOOR IN THE DESIRABLE DEL MAR BLUFFS! WEST OF I-5. MINUTES TO THE DEL MAR BEACHES, TORREY PINES STATE BEACH, DEL MAR RACE TRACK, SHOPS AND THE FREEWAY. NEW WINDOWS AND SHUTTERS THROUGHOUT. HARDWOOD AND LAMINATE FLOORING, NEWER KITCHEN APPLIANCES. GATED COMPLEX, POOL/SPA, BBQ, TWO ELEVATORS AND ONSITE LAUNDRY ROOM. ASSIGNED COVERED PARKING WITH STORAGE.

13754 Mango Dr 302 Del Mar, CA 92014

$459,000
2 Beds
2 Baths
804 SqFt
Status Back On Market
MLS # 180066316
Property Type Attached
Del Mar living at its finest!! Gorgeous single story third floor condo unit in the highly desirable gated community of Del Mar Bluffs. This amazing property has been fully upgraded boasting beautiful laminate flooring, fresh neutral paint and trim, and large windows that bask the unit in an abundance of natural light. The kitchen features modern quartz countertops, sleek stainless steel appliances, and crisp white cabinetry with breakfast bar seating that opens to the living room.

2582 Del Mar Heights Rd 15 Del Mar, CA 92014

$469,500
2 Beds
1.5 Baths
860 SqFt
Status Active
MLS # 180063571
Property Type Attached
This is the best value for a 2 bedroom condo with garage in the entire market from Cardiff to Carmel Valley, and currently is the lowest price;(Located in Del Mar Heights west of the freeway coastal close). The association fee include all paid , water ,sewer, trash, gardening, common area maintenance and limited insurance.

7809 Camino Glorita San Diego, CA 92122

$475,000
2 Beds
1.5 Baths
945 SqFt
Status Active
MLS # 180063655
Property Type Attached
Fantastic Genesee Highlands! 2 bedroom single level recently refurbished and has a free standing fireplace! Great investment or starter home features garage & parking spaces plus extra storage. Refrigerator, washer/dryer included. Complex has pools, park & playground. Easy walk to schools, Regents shuttle line, UCSD bus line, hiking trails & nearby shopping. EZ access to I-5, I-805, UCSD, Fwy 52 & LaJolla beaches, Costa Verde plaza and new UTC shopping center!

8332 Regents Rd 1i San Diego, CA 92122

$490,000 - 2Br/2Ba -  for Sale in Utc, San Diego
Open House
$490,000
2 Beds
2 Baths
1,075 SqFt
Status Active
MLS # 190002305
Property Type Attached
What a location!! UCSD (bus stop near complex), UTC shopping, dining, parks, minutes to beaches, downtown, Mission Valley. This unit has not only been upgraded but it also has a full size washer and dryer in the unit, huge master bedroom with a bay window and walk in closet, peaceful and private balcony. Parking is convenient with 2 underground garage spots and an outside one as well. Fabulous home or rental.