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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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13323 Rancho Penasquitos Blvd D102 San Diego, CA 92129

$329,000 - 2Br/2Ba -  for Sale in Rancho Penasquitos, San Diego
New
$329,000
2 Beds
2 Baths
833 SqFt
Status Active
MLS # 170054300
Property Type Attached
Great school district! New carpet thru out. Carport, plus off street parking. Located near pool, spa, clubhouse, exercise room and BBQ grill. Two lighted tennis courts, picnic area, tot lot, volley ball court. All water included in HOA fee/community solar array. Shopping, public transport; Hard top bike/hike trail all the way to ocean. 10-15 min drive to Torrey Pines beach and preserve. Great floor plan. Appliances included, granite counter tops, fireplace! Downstairs unit with private patio.

17155 W Bernardo Drive 106 San Diego, CA 92127

$359,000
2 Beds
1.5 Baths
874 SqFt
Status Active
MLS # 170047472
Property Type Attached
BOM! Move-in ready 2 BR/1.5 BA, lower level, end unit located in Waterbridge! Feels like a single family home! Beautifully upgraded with BRAND NEW installed laminate wood floors,sink,faucet,plumbing, stainless steel appliances,mirrored closet doors,lighting & ceiling fans,vertical blinds, base & crown moldings and new paint. Additional features include tile floor in bathrooms,granite countertops in kitchen and bath & updated cabinets. Laundry with stackable washer & dryer is located in the balcony closet.

17161 Alva Road 1527 San Diego, CA 92127

$368,000
2 Beds
2 Baths
899 SqFt
Status Active
MLS # 170051314
Property Type Attached
Located in a prime area of the complex, very quiet, greenbelt views, very peaceful. two bedrooms, two baths, all appliances including full size washer and dryer. Washing Machine purchased in 2016, Water Heater replaced in 2014. This is a highly sought after complex within walking distance to the 4 S Ranch shopping center and close to the freeway. Also please note the low homeowner fees The complex offers two clubhouses, tennis, two pools, an exercise room and a BBQ area. There is no mello roos.

6210 Agee St 244 San Diego, CA 92122

$390,000
2 Beds
2 Baths
956 SqFt
Status Active
MLS # 170044129
Property Type Attached
Highly upgraded top floor westerly facing home. Beautiful Bamboo flooring, toto toilet facilities, designer wash basins, new paint. Upgraded window coverings. Very bright and delightful. Upgraded Stacked W/D, Refer/stove included. Total privacy from balcony - no one looking in.

3890 Nobel 304 San Diego, CA 92122

$399,000
2 Beds
2 Baths
1,200 SqFt
Status Active
MLS # 170036203
Property Type Attached
LUXURY RETIREMENT LIVING at its FINEST: AGE 62 and over. Beautifully remodeled west facing unit with pleasant views. Foyer, living/dining room, complete kitchen, mastersuite, second bedroom/den/office & second full bath. Balcony. All new appliances. Secured underground parking with optional valet. Services include gourmet dining room serving lunch & dinner; weekly housekeeping, transportation, 24-hour concierge. Second occupant is a additional $280 per month. SEE SUPPLEMENT FOR LIST OF IMPROVEMENTS!

4065 Porte La Paz 164 Sandiego, CA 92122

$399,900
2 Beds
1.5 Baths
806 SqFt
Status Active
MLS # 170051214
Property Type Attached
Lower unit which is Light, bright end unit with new carpet, fresh paint, stone countertops throughout, new fixtures in kitchen and bath vanities. Mirrored nook area. Neutral colors for any decorating style and accented with mirrored dining area wall. Large brick enclosed patio, handicap accessible, two parking spaces right out front! Washer/dryer, refrigerator included. Premium location with easy freeway access, beaches nearby and tons of shopping, restaurants, theaters! Please read CR remarks

15377 Maturin Dr 193 San Diego, CA 92127

$399,900
2 Beds
2 Baths
1,085 SqFt
Status Active
MLS # 170053431
Property Type Attached
Great & quiet location in Villa Taviana Complex. Well-maintain 2 BR, 2 BA Upstairs corner location w/privacy. Lots of natural lights throughout all day. Well-maintain 2 BR, 2 BA features one BR/one BA downstairs, master suite upstairs, open floor plan, vaulted ceiling in LR/DR, Granite kitchen counter top with SS appliances, Upgraded cabinets, central heating/AC, in-house laundry. 2 assigned parking spaces, 1 covered carport and 1 uncovered parking space just outside the building. No Mello Roos.

8310 Regents Road 2c San Diego, CA 92122

$439,000 - 2Br/2Ba -  for Sale in Pines Of La Jolla, San Diego
Open House
New
$399,000 - $439,000
2 Beds
2 Baths
898 SqFt
Status Active
MLS # 170054460
Property Type Attached
Seller will entertain offers between 399k and 439k. Remodeled unit. Most beautiful Pines you have ever seen! Crown molding, new kitchen, brand new carpet & hardwood flooring & much more! Totally top-of-the-line work! Gorgeous furnishings available also. Bright South-facing unit overlooking pool. Most popular model with bedrooms on opposite sides of the unit. Two garage spaces. Balcony partially shaded by huge Pine tree, adding to the ambiance. Shuttle to UCSD right outside the complex. Close to shopping.

7565 Charmant Drive 418 San Diego, CA 92122

$455,000
2 Beds
2 Baths
1,037 SqFt
Status Active
MLS # 170047084
Property Type Attached
Excellent opportunity in Verano! Private location and largest upstairs dual master suite located in the heart of UTC; close to shopping, restaurants, UCSD bus stop. Verano boasts resort style living with jogging paths, exercise stations along the way, pedestrian/bike paths, fitness center and more. Nice private location that enjoys nice cool breezes and no neighbors looking in at you. Make this your own!

13754 Mango Dr 302 Del Mar, CA 92014

$460,000
2 Beds
2 Baths
804 SqFt
Status Active
MLS # 170049704
Property Type Attached
RARE, highly desirable top floor (3rd floor) 2 bed/2 bath unit. West of the I-5 Del Mar living, with this light and bright unit. East mountain views from the master bedroom. Walk your children to school with two 10/10 rated elementary schools (7 mins). Brand new cherry wood tile floor throughout. New stainless steel dishwasher, and front disappearing screen door just installed, Upgraded granite countertop in master bath. Compact, convenient vent-less washer/dryer combo & coin-op. 2 Elevators in complex!

12655 Camino Mira Del Mar 231 San Diego, CA 92130

$488,898
2 Beds
2 Baths
864 SqFt
Status Active
MLS # 170046342
Property Type Attached
This unit is a beautiful 2B/2B in the heart of Carmel Valley minutes to the beach and easy freeway access. It is upgraded with fabulous furniture, new flooring, high speed internet, cable & a gorgeous kitchen w/new appliances & granite countertops. This is a sunny south west facing unit. LOCATION LOCATION LOCATION!!

3929 Nobel Dr 96 San Diego, CA 92122

$495,000
2 Beds
2 Baths
1,080 SqFt
Status Active
MLS # 170045648
Property Type Attached
Sunny, End Location with Cross Breezes. 2 bedroom, 2 Full Bath Venetian with 3 deeded parking spaces. In Heart of La Jolla/UTC Golden Triangle. Close to Westfield Shopping Center's Billion $ Expansion. Each Bedroom has own full bath and is located on a separate, private level. Vaulted ceiling in Living Room. Slider to Balcony Patio. No one above! Quietly sited away from traffic. Leased thru 6/30/2018 Perfect Investor Opportunity. Pool/ Spa Tennis and exercise rm. Steps to shopping and UCSD Shuttle Bus.