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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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17181 W Bernardo Dr 103 San Diego, CA 92127

$345,000
2 Beds
2 Baths
944 SqFt
Status Active
MLS # 180051067
Property Type Attached
Move In Ready 2 Bedroom 2 Bathroom in the highly desired community of Waterbridge Estates in Rancho Bernardo! This home features granite countertops, stainless steel appliances, tiled entry, wood flooring, a large master suite, separate dining area, attaached patio, 2 parking spots- VERY RARE (one covered) Beat the heat with ice cold central air conditioning or jump in the amazing tropical pool! Water/Trash Included Community also includes: Exercise room, SPA & BBQ area. Award Winning Poway Schools!

17189 W Bernardo Dr 103 San Diego, CA 92127

$349,000
2 Beds
2 Baths
955 SqFt
Status Active
MLS # 180047102
Property Type Attached
Great opportunity for investors, this unit rents for $1,800-$2,000 per month. It contains stainless steel appliances, granite counter tops, tile in the kitchen and dining area, wood floor in family room and hallway, and carpet in the bedrooms. Washer/dryer, A/C, 2 assigned parking, convenient location near schools, parks, shopping, buss, and I-15, yet far enough away to avoid any noise. Award winning Poway school district.

17087 W Bernardo Dr 103 San Diego, CA 92127

$349,000
2 Beds
2 Baths
955 SqFt
Status Active
MLS # 180050538
Property Type Attached
Seller to entertain offers between $349,000-$365,000. Beautiful first level condo in Waterbridge Luxury Condominiums shows like a model. The unit features an upgraded kitchen with granite counter tops and stainless steel appliances, crown molding, double pane windows, and beautiful hardwood floors throughout. Community includes pool, spa, bbq, gym and rec room. Conveniently located close to guest parking and has 2 assigned parking spots. Great location and price! Poway Unified School District.

17123 W Bernardo Dr. 204 San Diego, CA 92127

$350,000
2 Beds
2 Baths
955 SqFt
Status Active
MLS # 180048395
Property Type Attached
Wonderful upper unit with vaulted ceiling in large living room. NEW INTERIOR PAINT, NEW CARPETING! WASHER, DRYER AND REFRIGERATOR STAY. GRANITE COUNTERS IN KITCHEN AND BATHS. STAINLESS STEEL APPLIANCES. DINING AREA OFF KITCHEN. COMPLEX HAS CLUBHOUSE, POOL, SPA, TOT LOT, BBQ AREAS AND EXERCISE ROOM! READY TO MOVE IN! POWAY UNIFIED SCHOOL DISTRICT TOO! 2 parking spaces, both assigned.

10307 Azuaga St 30 San Diego, CA 92129

$359,900 - 2Br/2Ba -  for Sale in Terra Vista, San Diego
New
$359,900
2 Beds
2 Baths
881 SqFt
Status Active
MLS # 180052627
Property Type Attached
Priced to sell in a great location with easy freeway access. This is great for a first time homebuyer, investor, or military. Top floor unit, double master suites that is close to the gym and pool. Needs a little TLC but is move in ready.

10303 Azuaga St 13 San Diego, CA 92129

$370,000
2 Beds
2 Baths
881 SqFt
Status Active
MLS # 180043319
Property Type Attached
PERFECT FOR 1ST TIME BUYER OR INVESTMENT PROPERTY, GREAT LOCATION! BEAUTIFUL, BRIGHT AND QUIET, MOVE-IN CONDITION, GROUND FLOOR, WASHER / DRYER IN UNIT, PRIVATE PATIO, COMMUNITY POOL/ GYM, POWAY UNIFIED SCHOOL DISRICT, CLOSE TO SCHOOLS, CHURCH AND EASY ACCESS TO FREEWAY.CASH, CONVENTIONAL, FHA, VA ARE OK.. OPEN HOUSE EVERY SATURDAY AND SUNDAY FROM 1pm-4pm

3890 Nobel 206 San Diego, CA 92122

$399,000
2 Beds
2 Baths
1,153 SqFt
Status Active
MLS # 180051161
Property Type Attached
LUXURY RETIREMENT LIVING at its FINEST: AGE 62 and over. Popular corner floor-plan with lots of light! Foyer, living room, dining room, complete kitchen, mastersuite, second bedroom/den/office & second full bath. Two Balcony's. 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 $296 per month.

13212 Salmon River Rd 205 San Diego, CA 92129

$405,000
2 Beds
2 Baths
927 SqFt
Status Active
MLS # 180051099
Property Type Attached
Turn Key Remodeled 2 bedroom 2 full bath Private & Quiet Condominium Home located in Rancho Penasquitos Casablanca w/2 parking spaces! You enter into the home's light & bright Open Concept Living Room w/Vaulted Ceilings. The Dinning Room & Remodeled Kitchen are adjacent perfect for Entertaining. The Kitchen has lots of storage w/it's 42 Wall Cabinets, Lrg Pantry, & Quartz Counters have no maintenance! A must See! See Supplemental for all upgrades.

15283 Maturin Dr 65 San Diego, CA 92127

$415,000 - $435,000
2 Beds
2 Baths
1,085 SqFt
Status Active
MLS # 180043382
Property Type Attached
Beautiful second story two bedroom two bath unit with stainless steel appliances, granite counter, with laminate flooring on the first floor, newer washer and dryer included. The Villa Taviana Complex offers pool, spa, tennis and clubhouse. The water, sewer and trash service is included in the HOA.

13754 Mango Dr 224 Del Mar, CA 92014

$439,000 - 2Br/2Ba -  for Sale in Del Mar, Del Mar
Open House
New
$439,000
2 Beds
2 Baths
804 SqFt
Status Active
MLS # 180052228
Property Type Attached
CHARMING TWO BEDROOM HOME IN DEL MAR BLUFFS! Located within the gated community of Del Mar Bluffs is this two bedroom home calling your name! The home features brand new laminate wood flooring, great natural light, crown molding in the living room and master bedroom, an open concept living space, spacious bedrooms with great closet space, two assigned parking spaces, and much more! The living room is completely open to the dining area and kitchen, making entertaining a breeze!

8332 Regents Rd B San Diego, CA 92122

$449,500
2 Beds
2 Baths
1,054 SqFt
Status Active
MLS # 180050297
Property Type Attached
Spacious, Quiet, and Fresh-painted 2bd/2bth Condominium in Fabulous Gated Community with Pools/Spas and Gardens. South-facing unit with living area open to a huge balcony. Updated Kitchen, Remolded Master Bathroom, New Windows and Door, and Laminate floor throughout. Two parking spaces. Near all - UCSD Shuttle, banks, post office, restaurants, Mall, Park and Elementary School and freeways. Ideal investment or great starter home. Don't miss this opportunity to own in the popular UTC community!

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!