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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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Palacio Del Mar Condos & Spa 402 Rosarito, CA 99999

$325,000
2 Beds
2 Baths
2,020 SqFt
Status Active
MLS # 170026481
Property Type Attached
Palacio del Mar, a premier oceanfront community, offering Luxury and specious condominiums and villas with unobstructed ocean views. Conveniently located on the Bay of El Descanso in Playas de Rosarito, Baja California, Mexico, Palacio del Mar is only 45 minutes south of the border from San Diego.The ultimate spacious luxury with the two bedroom condos spanning 2,020 square feet, the three-bedroom units spanning 2,833 square feet, and villas beginning at over 4,000 square feet. Please see Supplement.

Palacio Del Mar Condos & Spa 1203 Rosarito, CA 99999

$350,000
2 Beds
2 Baths
2,020 SqFt
Status Active
MLS # 170026483
Property Type Attached
Palacio del Mar, a premier oceanfront community, offering Luxury and specious condominiums and villas with unobstructed ocean views. Conveniently located on the Bay of El Descanso in Playas de Rosarito, Baja California, Mexico, Palacio del Mar is only 45 minutes south of the border from San Diego. The ultimate spacious luxury with the two bedroom condos spanning 2,020 square feet, the three-bedroom units spanning 2,833 square feet, and villas beginning at over 4,000 square feet. Please see Supplement.

10371 Azuaga St 150 San Diego, CA 92129

$344,999 - $354,999
2 Beds
2 Baths
881 SqFt
Status Active
MLS # 170051402
Property Type Attached
$345k-$355k! BEST VALUE in Poway School District! Your future home has new flooring in the entry, kitchen, and bathrooms with refinished tubs and new air vents to boot. This unique dual master setup has spacious rooms, large closets, and laundry in-unit! Capitalize on this opportunity to get in the highly sought after Poway School District at a great deal! The grounds are well manicured, with amenities such as pool and exercise room make this a great home for all. Sellers are motivated, come see today!

10303 Azuaga St 11 San Diego, CA 92129

$355,900
2 Beds
2 Baths
881 SqFt
Status Active
MLS # 170061303
Property Type Attached
Fantastic Ground Floor Single Level Unit with Prime Location! Don't miss out on the Great Terra Vista II unit featuring freshly painted interior, new flooring througout and no more popcorn ceilings! Dual Bedroom Suite floor plan with lots of closet space. Newer range and brand new microwave in kitchen. Private location with patio looking onto greenbelt. Carport #613 located steps away from the front door. Poway School District!

4065-164 Porte La Paz 164 Sandiego, CA 92122

$392,500
2 Beds
1.5 Baths
806 SqFt
Status Active
MLS # 170056623
Property Type Attached
Highly motivated owner! Perfect for investors seeking great rental income. Light, bright lower end unit with new plank flooring, carpet, fresh paint, stone countertops, new fixtures! Neutral colors, mirrored dining area wall. Large brick enclosed patio, wheelchair accessible, two convenient parking spaces right out front. Premium location, easy fwy access, UCSD, beaches, shopping, restaurants, theaters! Please read CR remarks.

14661 Caminito Orense Este #34 San Diego, CA 92129

$399,000 - $419,000
2 Beds
2 Baths
1,071 SqFt
Status Active
MLS # 170056273
Property Type Attached
Lovely single-story corner townhome with one car attached garage. End unit at far end of community for wonderful privacy. 2 Br/2 Ba plus den. Flowing floorplan - living room leads to kitchen and dining area with great seating at bay window for reading and with storage underneath. Office/Den conversion from a previous owner. Washer/dryer (4 yrs old) and refrigerator convey. Updated kitchen and bathrooms - move in ready! Plenty of guest parking and located very close to freeway, shopping, and dining.

7160 Shoreline Dr. 4114 San Diego, CA 92122

$429,000
2 Beds
2 Baths
848 SqFt
Status Active
MLS # 170058447
Property Type Attached
Fall in love with this gorgeous UTC condo! Entry level unit with garage parking offers a spacious open floor plan. Modern kitchen is fully equipped with top of the line stainless steel appliances & granite counter tops. Dual Master Bedrooms. Enjoy your morning coffee or tea on your large patio overlooking a beautiful greenbelt. Gated resort style community of Lucera features fitness center, pool, spa, tennis, basketball & racquetball courts. Close to UTC shops, restaurants, La Jolla beaches, & more!

7405 Charmant 2105 San Diego, CA 92122

$459,000
2 Beds
2 Baths
934 SqFt
Status Active
MLS # 170054938
Property Type Attached
This is the most incredible 2/2 on the market in this price range now with expansive 468 sf enclosed private patio for peaceful mornings, joyful evenings, entertaining, dinners or stargazing plus stainless steel appliances, elegant granite counters, plush carpet, two remodeled bathrooms, walk in closet in master bedroom plus patio entrance, new vinyl windows, private interior laundry, 2 garage parking spaces and another space permit plus super central location close to UCSD, (continued on Supplement)

16858 Blue Crane Way 1 San Diego, CA 92127

$479,000 - 2Br/2Ba -  for Sale in Bernardo Springs, San Diego
New
$479,000
2 Beds
2 Baths
997 SqFt
Status Active
MLS # 170062716
Property Type Townhome
Excellent opportunity in Bernardo Springs! This end unit is located in the gated community of Sitella. Open floor plan and living space features vaulted ceilings and tons of natural light. Turnkey with new paint, new carpet, new appliances, new tile flooring. Walking distance to 4S Ranch shops, restaurants, community parks and schools. Attached 1-car garage with built in shelving. Low HOA and Mello-Roos fees and Award winning Poway Unified School District! See supplement for more info on recent upgrades.

3504 Caminito El Rincon 2 San Diego, CA 92130

$485,000 - 2Br/2Ba -  for Sale in Camino Villas, San Diego
New
$485,000
2 Beds
2 Baths
944 SqFt
Status Active
MLS # 170062493
Property Type Attached
Beautifully remodeled 2brm/2bath corner upper unit offers high-end wood laminate flooring, cozy fire place, spacious balcony with side-by-side washer/dryer, A/C, lots of natural light, covered parking plus lots of guest parking. Unit location is close to pool, tennis court and gym; Resort living at its best! All this plus close to all the best Carmel Valley has to offer!

3440 Lebon 4321 San Diego, CA 92122

$489,500
2 Beds
2 Baths
956 SqFt
Status Active
MLS # 170054392
Property Type Attached
Great UTC condo. New paint carpet , bath flooring, Laundry in unit, Close to everything, shopping, freeways, schools. top floor unit. ready to go.

3440 Lebon Dr 4118 San Diego, CA 92122

$495,900
2 Beds
2 Baths
956 SqFt
Status Active
MLS # 170050630
Property Type Attached
NEWLY REMODELED! This first floor Two bed, two bath condo features an open concept kitchen and living area with new engineered luxurious vinyl flooring throughout. Brand new kitchen includes quartz countertops and subway backsplash. New stainless steel appliances. All new recessed lighting, Dual Master Suite layout with spacious remodeled master baths. Both baths have brand new vanities, quartz countertops, and walk in closets. This unit has two balconies and two underground garage parking spaces.