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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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17189 West Bernardo Dr San Diego, CA 92127

$358,000
2 Beds
2 Baths
955 SqFt
Status Active
MLS # 180038645
Property Type Attached
Great opportunity to own the popular lower level unit. This move-in ready home contains stainless steel appliances, granite countertops in kitchen and bathrooms, tile in the kitchen and dining area, wood floor in family room and hallway, and carpet in the bedrooms. Full size washer/dryer, A/C, 2 assigned parking spots, convenient location near schools, parks, shopping, buss, and the I-15, yet far enough away to avoid any noise.

10359 Azuaga St 194 San Diego, CA 92129

$380,000 - $385,000
2 Beds
2 Baths
881 SqFt
Status Active
MLS # 180030685
Property Type Attached
Great location on this upper end unit in popular Terra Vista complex! This home features dual master bedroom suites each with their own bath & in-unit laundry. Both bathrooms and kitchen have been extensively remodeled. Covered balcony w/storage, covered parking. Community pool, gym & more with low HOA. POWAY SCHOOLS! Convenient to Hwys 56/15!

13202 Salmon River Rd 105 San Diego, CA 92129

$385,000
2 Beds
2 Baths
927 SqFt
Status Active
MLS # 180038312
Property Type Attached
Super clean and move-in-ready ground level condo ; open floorplan; spacious living room with fireplace & slider to patio and extra storage; Master suite with walk in closet & en-suite master bath; indoor laundry--washer, dryer & refrigerator convey; Newer carpet; Central AC; Lush tropical grounds with multiple pools; Carport + 1 assigned space; Easy access to 56 for ideal commute; Great Poway schools yet no Mello-Roos! Close to shopping, dining, library, dog park, YMCA & schools.

13262 Salmon River Rd 101 San Diego, CA 92129

$399,900 - $409,900
2 Beds
2 Baths
927 SqFt
Status Active
MLS # 180036814
Property Type Attached
Gorgeous first floor condo, 2 bedrooms, 2 baths in beautiful resort style complex of casablanca with granite counter top in kitchen, laminate wood flooring, fireplace in living room, AC, stackable laundry, 2 reserved parking spots one covered with storage, patio with storage closet, Poway unified schools, walking distance to shopping, library, YMCA, restaurants, dog park, bike trail and 56. Beautiful landscape with pools,spas and waterfalls.

17161 Alva Road 812 San Diego, CA 92127

$399,900 - $419,900
2 Beds
2 Baths
968 SqFt
Status Active
MLS # 180031234
Property Type Attached
Great location, located on the entry level. Newer wood laminate floor in kitchen and dining. Tile floors in baths.Master bedroom has a huge walk in closet. Hall bath with full size laundry closet. Patio has a storage closet. This complex features 2 swimming pools, tennis court and club houses. Poway school district and close to 4S commons shopping area, close to 15 freeway.

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!

7180 Shoreline Dr 5304 San Diego, CA 92122

$462,000
2 Beds
2 Baths
848 SqFt
Status Active
MLS # 180032450
Property Type Attached
Spacious top floor, dual master suite condo within Lucera. This complex offers a canyon location in the heart of San Diego...A Must See. Upgrades include stainless steel appliances, granite counters, custom tile and flooring. Enjoy the view from your balcony and get anywhere quickly from this prime location. The floor-plan includes separate master suites, a fireplace, balcony and large closets. In unit laundry and an elevator in the building increase convenience.

6186 Agee St 264 San Diego, CA 92122

$470,000
2 Beds
1.5 Baths
956 SqFt
Status Active
MLS # 180038019
Property Type Attached
Immaculate End unit Top floor with parking close to unit.Open floor plan,Quiet and Bright.High end Remodel with wood floors throughout,New Kitchen and bathrooms with Quartz counter tops and new vanity.High ceiling with recessed lighting in living room and both bedrooms.California closets and custom doors.Expensive Stainless steel appliances all stay.r.Nice balcony overlooking trees. One car garage and assigned parking.Close to buss station,restaurants, schools.Walking distance to church and synagogue.

9971 Paseo Montril San Diego, CA 92129

$479,900 - 2Br/2Ba -  for Sale in Penasquitos View, San Diego
New
$479,900
2 Beds
2 Baths
1,056 SqFt
Status Active
MLS # 180039490
Property Type Attached
Remodel almost finished! New carpet, New paint, New bathrooms (flooring, vanity, baseboard and more) and a great kitchen. New baseboards, no “Popcorn” ceilings here! Townhome style - no one above or below. 1 Car Garage with direct access. Relax on your Large deck. This terrific home is central to shopping and great for commuters. Poway Unified Schools. No Mello-Roos. At the end of Paseo Montril there is a nice park. Great home for living or investing!

14779 Caminito Orense Oeste San Diego, CA 92129

$489,000
2 Beds
1.5 Baths
1,470 SqFt
Status Active
MLS # 180025357
Property Type Townhome
Located in award winning Poway Unified School District. Tastefully remodeled with brand new appliances. Short distance to freeway, schools, parks and neighborhood shopping w/restaurants, entertainment and stores! Fantastic location in complex, end of cul-de-sac unit. This is the largest plan with a 2 car direct access garage. New roof and exterior paint in 2017/2018. Commuter location with I-15 & I-56.

14685 Caminito Orense Este San Diego, CA 92129

$489,000 - 2Br/2Ba -  for Sale in Penasquitos Town Homes,, San Diego
Open House
$489,000
2 Beds
2 Baths
1,219 SqFt
Status Active
MLS # 180037848
Property Type Townhome
Single story townhome in Penasquitos Town Homes, a community of only 64 units. The home is nicely decorated with many custom touches and upgrades which include recessed lighting, a beautiful wood burning fireplace which currently has a gas insert; and a skylight in the living room. The kitchen has upgraded counter tops, recessed lighting and cabinet hardware. The flexible open floorplan has two bedrooms that are setup in a way that the home could be considered to have two master bedrooms along with an

3550 Caminito El Rincon 62 San Diego, CA 92130

$519,000
2 Beds
2 Baths
944 SqFt
Status Active
MLS # 180031447
Property Type Attached
Rarely on the market!!! Very Bright and Spacious 2 Bedroom, 2 Bath, Upper Corner Unit located in the beautiful and highly desirable Camino Villas. This Turnkey Unit has New Carpet, New Vinyl Wood Laminate in Kitchen and Bathrooms, New Lighting Fixtures, New Dishwasher, and New Microwave. Enjoy a tree lined view from your large private patio. Located close to shopping, freeways, schools, and beaches.