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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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13252 Salmon River Rd 202 San Diego, CA 92129

$340,000
2 Beds
2 Baths
927 SqFt
Status Contingent
MLS # 170031590
Property Type Attached
Check out this fantastic top floor end unit location overlooking peaceful pond and pool. Property has good bones and is ready for that individual who wants to build a little sweat equity. The large living room has a sliding door that leads to the balcony with a storage closet. There is a fireplace in the living room and vaulted ceilings. The kitchen has granite countertops, black appliances and a laundry closet with a stackable washer and dryer. ***SEE SUPPLEMENT***

17161 Alva Road 611 San Diego, CA 92127

$385,000
2 Beds
2 Baths
968 SqFt
Status Active
MLS # 170029765
Property Type Attached
Resort Style Living in 4S Ranch. Newly remodeled and upgraded 2 bedroom, 2 bath, In-Unit Washer & Dryer hook up, Central AC, on the first floor, Fireplace, Cable ready, Unit with a 1 car garage and 1 parking space in an upscale community of Rancho Bernardo sits 20 miles outside of downtown San Diego in the northernmost part of the city.

9822 Caminito Cuadro San Diego, CA 92129

$399,000 - 2Br/2Ba -  for Sale in Rancho Penasquitos, San Diego
New
$379,000 - $399,000
2 Beds
1.5 Baths
1,088 SqFt
Status Active
MLS # 170032539
Property Type Attached
This recently renovated condo comes with new kitchen cabinets, quartz countertops, S.S. appliances, tile flooring, and LED recessed lights. Both bathrooms have new tile floors and upgrades. New carpet in the other common areas, new dual pane windows and slider, new interior paint, and new baseboards. The condo is located walking distance to shopping and restaurants. It is also located close to the 15 and 56 freeway.

6186 Agee St 271 San Diego, CA 92122

$399,900
2 Beds
1.5 Baths
956 SqFt
Status Active
MLS # 170032180
Property Type Attached
Come see this beautifully remodeled unit today! New kitchen cabinets and granite counter tops, laminate flooring, new paint, updated bathrooms and more. Large master suite with lots of closet space + full en-suite bathroom. 2nd bedroom has its own private patio. RARE! Community features lush landscaping and beautiful pool/ jacuzzi area! Central UTC location, walking distance to shopping, bus transit, schools, and quick access to freeways!

14799 Caminito Orense Este San Diego, CA 92129

$405,000 - 2Br/2Ba -  for Sale in Rancho Penasquitos, San Diego
New
$399,000 - $405,000
2 Beds
2 Baths
948 SqFt
Status Active
MLS # 170032478
Property Type Townhome
Beautiful SINGLE LEVEL Townhome! Cute Corner UNIT! LOTS OF LIGHTING~ This home is UPGRADED ~NEWER VINYL WINDOWS & DOORS ~NEW A/C UNIT ~ UPDATED KITCHEN CABINETS ~GRANITE COUNTER TOPS ~ NEWER PAINT ~ EPOXY GARAGE FLOORS ~ ROOMY FAMILY & LIVING ROOM ~ OPEN FIREPLACE W/ CUSTOM IRON COVER ~CEILING FANS & RECESSED LIGHTING THRU-OUT ~ NICELY LANDSCAPED BACKYARD OVERLOOKING THE GOLF COURSE ~ CLOSE TO SHOPS, RESTAURANTS & MOVIES ~QUIET COMMUNITY ~ MOVE IN READY! SHOWS LIKE A MODEL!

13754 Mango Dr 126 Del Mar, CA 92014

$449,000
2 Beds
2 Baths
804 SqFt
Status Active
MLS # 170027162
Property Type Attached
Beautiful condo in Del Mar Bluffs...lowest price home in Del Mar... west of the 5, minutes from amazing beaches and seconds away from great shopping and restaurants. Great investment property...easy access, 2bed, 2bath, open layout, open kitchen w/new range and refrigerator, New dual pane window Amenities include gated community with security, pool and Jacuzzi, BBQ, assigned parking, laundry facilities steps from unit. HOA's include water, trash, security, heat, landscaping and more...Piece of Paradise.

7405 Charmant Dr 2005 San Diego, CA 92122

$450,000 - 2Br/2Ba -  for Sale in La Jolla Colony, San Diego
Open House
$450,000
2 Beds
2 Baths
934 SqFt
Status Active
MLS # 170031391
Property Type Attached
In the heart of UTC is this hidden gem within the La Jolla Colony. Next to lush-green park; near UCSD shuttle, MTS Bus stops, Whole Foods Market, Ralph’s, VONS, Doyle Elementary School; fascinating shops and restaurants. This lovely unit has laminate wood floor, dual-pane windows, pass-thru kitchen counter opens to the dining and living room; walk-in closet in the master bedroom; in-unit washer and dryer. THREE parking permits—two for assigned underground parking spaces. Patio overlooks a peaceful court.

13754 Mango Drive 223 Del Mar, CA 92014

$459,000 - 2Br/2Ba -  for Sale in Del Mar Bluffs, Del Mar
New
$459,000
2 Beds
2 Baths
804 SqFt
Status Active
MLS # 170032544
Property Type Attached
THIS IS A CHOICE TWO BEDROOM UNIT ON THE SECOND FLOOR BY THE STAIRS AND THE ELEVATOR /// THERE IS AN ASSIGNED PARKING SPACE AND A ONE CAR GARAGE FOR THIS UNIT /// JUST WEST OF I5, THIS UNIT HAS QUICK ACCESS TO NORTH AND SOUTH, BEACH, SHOPPING AND THEATER /// HOME OWNERS FEE COVERS HOT AND CLOD WATER, TRASH REMOVAL, BUILDING INSURANCE, BUILDING MAINTENANCE AND SECURITY GATE FOR CAR ENTRY AND FROM ENTRY SECURITY GATE /// THE COMMUNITY LAUNDRY IN ON THE FIRST FLOOR // UNIT FACES REAR (NOT ON THE STREET SIDE)

3997 Camino Lindo San Diego, CA 92122

$459,000 - $475,000
2 Beds
2 Baths
893 SqFt
Status Active
MLS # 170031699
Property Type Attached
Hidden away in UTC is a unique opportunity to enjoy serene living amongst coveted Rose Canyon views. Single story end unit feels like a detached home. Light and bright spacious floor plan boasts fireplace and private, enclosed patio. Private laundry closet. 2 parking spaces. Steps to hiking trails, bike paths and blocks away from shopping centers allow for all conveniences of an urban lifestyle within a parklike setting. Nearby to freeways, La Jolla beaches, UCSD, hospitals. Complex features 2 pools.

7969 Caminito Dia 2 San Diego, CA 92122

$429,000 - $479,000
2 Beds
1.5 Baths
1,163 SqFt
Status Active
MLS # 170031900
Property Type Townhome
Fabulous town home in central UTC area. This 2 bedroom 1.5 bath town home is ideal as a primary residence or a great rental. Vaulted ceilings and an open floor plan make this unit large and comfortable. Kitchen features very nice counters, appliances, and cabinets. Attached 1 car garage is a huge plus for not only parking your vehicles, but storages well. Have family or friends coming over? Unit is in close proximity to community pool and hot tub just feet away from unit is a great bonus. (see supp)

3890 Nobel 1406 San Diego, CA 92122

$525,000
2 Beds
2 Baths
1,153 SqFt
Status Active
MLS # 170023516
Property Type Attached
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 $280 per month.

13529 Tiverton Rd San Diego, CA 92130

$549,000
2 Beds
2 Baths
1,063 SqFt
Status Active
MLS # 170026910
Property Type Attached
Located in beautiful Cambria complex in Carmel Valley. This Ground level end unit features fresh paint and new laminate flooring throughout, open concept kitchen/living area, recessed ceiling lights, granite counter tops, upgraded faucets, sinks and bathrooms, Travertine fireplace. Dual master suites, laundry inside and one car garage, spacious and private patio off living room and bedroom. Complex has 2 pools, 2 spas and tennis courts. Minutes to shopping, beaches, fine dinning and award winning schools.