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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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17123 W Bernardo Dr 107 San Diego, CA 92127

$345,000 - 2Br/2Ba -  for Sale in Rancho Bernardo, San Diego
Open House
New
$345,000
2 Beds
2 Baths
955 SqFt
Status Active
MLS # 180027524
Property Type Attached
Super-sized private outdoor patio with views of 2 different ponds & fountains; TWO parking spaces. Priced to sell this weekend don't miss out. Highlights include: updated kitchen w/ granite counter tops & stainless steel appliances; separate dining room; carpet & laminate flooring; lrg master bedroom suite w/ private bathroom; community pool, hot tub, gym & playground; central A/C; stacked washer/dryer in a pet friendly community. Enjoys a park-like setting & is close to all of the community amenities.

6330 Genesee Ave. 312 San Diego, CA 92122

$359,990 - 2Br/2Ba -  for Sale in Regency Villas, San Diego
Open House
$349,990 - $359,990
2 Beds
2 Baths
816 SqFt
Status Active
MLS # 180026108
Property Type Attached
Absolute Stunner - Fully renovated ($32K of improvements) , top-floor Rare Bedroom, 2 Bathroom condo in an active senior (62+) community in centrally-located, UTC. Kitchen features beautifully designed cabinetry, granite countertops, pull-out faucet, filtered water dispenser, & white appliances. Living Room features recessed lighting, gorgeous, new flooring, & sliding door to access balcony. Balcony has green, parklike views. Both bathrooms have been updated. This is one the quietest units.

9866 Caminito Cuadro San Diego, CA 92129

$390,000 - 2Br/2Ba -  for Sale in Rancho Penasquitos, San Diego
New
$390,000
2 Beds
1.5 Baths
1,066 SqFt
Status Active
MLS # 180027425
Property Type Attached
Located in a very desirable area, this upstairs condo plus your personal touches make for the perfect match! The living room features a cozy fireplace, and leads out through sliding glass doors to the large private patio - perfect for entertaining! Bedrooms are big - master boasts a walk-in closet, w/ oversized vanity and bath. Hall bath includes w/c and vanity. Enjoy living in this clean, well kept home, or upgrade it to your style! This quiet community is close to shopping, schools, and freeways!

17161 Alva 3122 San Diego, CA 92127

$415,000
2 Beds
2 Baths
968 SqFt
Status Active
MLS # 180021682
Property Type Attached
Quiet upper corner unit, large open floor plan with vaulted ceilings and 2 master bedrooms. Peaceful environment with views of the open space hills. The Summit offers country living with a resort style atmosphere. Amenities include 2 pools, spas, fitness center, tennis courts, 2 clubhouses, and picnic areas w BBQ grills. Private balcony w storage area and mountain views. Detached garage and one assigned parking space. Poway Unified School District Walking distance to the 4S Ranch Town Center

9869 Caminito Cuadro San Diego, CA 92129

$429,000 - 2Br/2Ba -  for Sale in Shadow Tree, San Diego
Open House
$429,000
2 Beds
2 Baths
1,088 SqFt
Status Active
MLS # 180022666
Property Type Townhome
Pride of Ownership. This 2-story townhome is beautiful and move-in ready. Newer Appliances, Newer AC. The laundry space was expanded from a stacked closet to accommodate full size laundry. Attached Garage with access from the unit. Upgraded kitchen with Custom Cabinets and Granite Counter tops. Master closet has a custom built closet organizer. Quiet End unit adjacent to the pool. The HOA dues include Cable and Water along with other amenities. Easy Freeway Access.

15363 Maturin 159 San Diego, CA 92127

$439,000
2 Beds
2 Baths
1,085 SqFt
Status Active
MLS # 180024705
Property Type Attached
LIKE NEW: 2 bed/2 bath end unit in quietest part of complex with vaulted ceilings, loads of natural light, brand new carpet with upgraded extra thick padding, brand new paint, brand new AC unit and thermostat, granite countertops, upgraded GE stainless steel appliances, brand new garbage disposal, brand new window treatments/blinds, private balcony, interior laundry, covered carport and one parking space near unit. All in close proximity to Poway Unified Schools, shopping and freeways! No Mello Roos!

9831 Caminito Cuadro San Diego, CA 92129

$439,000 - 2Br/2Ba -  for Sale in Shadow Tree, San Diego
New
$439,000
2 Beds
1.5 Baths
1,088 SqFt
Status Active
MLS # 180027800
Property Type Townhome
With spectacular views to the east, this is one of the best locations in Shadow Tree! This gorgeous townhome has been upgraded with bamboo wood floors, custom paint, modern light fixtures, built-in closet organizers, newer EE dual pane slider and windows throughout. Also features a cozy fireplace in the living room and a built-in wine refrigerator. Extra storage under stairs & direct access to the oversize garage. Close to shopping, schools & freeway access. Poway Unified school district & no Mello-Roos.

7160 Shoreline Dr 4110 San Diego, CA 92122

$449,000 - 2Br/2Ba -  for Sale in Utc, San Diego
New
$449,000
2 Beds
2 Baths
848 SqFt
Status Active
MLS # 180027766
Property Type Attached
GROUND FLOOR GEM IN LUCERA! Tucked away within the gated community of Lucera at UTC is this ground level, two bedroom home waiting for you to call it yours! Features include tons of natural light, an open floor plan, laminate wood flooring, an updated kitchen, spacious bedrooms, a private patio, an assigned parking space, and so much more! Just off the entry is the open concept living space that is completely open to the dining space and kitchen area, ideal for entertaining!

7190 Shoreline Drive 6111 San Diego, CA 92122

$455,000 - 2Br/2Ba -  for Sale in Lucera, San Diego
Open House
New
$455,000
2 Beds
2 Baths
848 SqFt
Status Active
MLS # 180027114
Property Type Attached
This richly appointed condo offers the perfect blend of elegance, warmth and comfort. The living room is light and inviting and opens to a patio perfect for al fresco dining or relaxing with a good book. The chef's kitchen has beautiful cabinets and slab granite counter-tops. Features include two spacious master bedroom suites, air-conditioning, garage parking, two pools, two spas, fitness center, clubhouse, and ideally located near UCSD, fabulous shopping, restaurants, hiking trails and gorgeous beaches.

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. 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. Living room fireplace, downstairs powder room and 2 large bedrooms upstairs w extra storage. New roof and exterior paint in 2017/2018. Please call us for further information. Commuter location with I-15 & I-56 nearby.

13345 Calle Del Campo 4 San Diego, CA 92129

$509,000 - $535,000
2 Beds
2 Baths
1,026 SqFt
Status Active
MLS # 180017691
Property Type Attached
Beautiful 2 bed, 2 bath Torrey Highlands condo is move in ready! Perfect location within walking distance to schools, freeways, and shopping! Plenty of natural light, covered private balcony, wood flooring throughout, and connected 1 car garage! Enjoy access to community amenities such as the pool and spa! Plenty of privacy on quiet and family friendly cul-de-sac- this is the ideal place to call home!

7954 Caminito Dia 2 San Diego, CA 92122

$539,900
2 Beds
1.5 Baths
1,084 SqFt
Status Active
MLS # 180026797
Property Type Townhome
Location, location, location. Updated kitchen, baths, fireplace, wood flooring & one of few w/ air conditioning (in cmplx). New quartz counters, eating bar & lights. Living room opens to patio & greenbelt. Walk to just about everything, shopping, dining, park, elementary sch & Doyle Recreation Center (gym & programs). Westfield shopping mall, grocery, movies. UCSD shuttle & bus less than 1 minute walk. Garage plus driveway for 2nd car & permit. Quick drive to BEACH, freeways, UCSD. See tour & supp