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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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17147 W. Bernardo Dr 208 San Diego, CA 92127

$329,900 - 2Br/2Ba -  for Sale in Rancho Bernardo, San Diego
New
$329,900
2 Beds
2 Baths
944 SqFt
Status Active
MLS # 170021227
Property Type Attached
Highly sought after upstairs unit in the Waterbridge complex. Unit is located in the back of the complex and away from the freeway. Light and bright unit with view of the greenbelt and pool. The upstairs units have vaulted ceilings and appear larger then the down stair units. Remodeled kitchen with granite counter tops and stainless steel appliances. Refrigerator and washer and dryer are included. The complex features pool, gym and has ponds with ducks, fish and turtles.

17161 Alva Road 3123 San Diego, CA 92127

$340,000 - 2Br/2Ba -  for Sale in The Summit, San Diego
New
$340,000
2 Beds
2 Baths
899 SqFt
Status Active
MLS # 170021077
Property Type Attached
Welcome to The Summit, one of Rancho Bernardo's most peaceful condominium communities. Home features granite kitchen counter tops, new dishwasher and range/oven, living room fireplace, ceiling fans in living room and bedrooms, balcony with park like view, full sized laundry in closet, two assigned parking places with one carport space, and vinyl tile throughout. Well kept complex features nearby community BBQ area with gas grills, pool and club house, well maintained landscaping. Poway School District.

3890 Nobel Drive 201 San Diego, CA 92122

$300,000 - $349,000
2 Beds
2 Baths
1,226 SqFt
Status Active
MLS # 170007292
Property Type Attached
Seller to entertain offers between $300,000-349,000. LUXURIOUS high-rise retirement living in Central Coastal San Diego. Luxury at its FINEST: AGE 62 & over. 2nd floor home features foyer, living room, dining area, full kitchen, master suite, 2nd bedroom/den/office & 2nd full bath. Large personal patio. Full size Closet Washer/dryer. Secured underground parking & optional valet. Experience great cuisine, gourmet restaurants, 24/7 concierge, social events, shuttles & more. Services include SEE SUPPLEMENT

15277 Maturin Dr 51 San Diego, CA 92127

$380,000
2 Beds
2 Baths
1,116 SqFt
Status Contingent
MLS # 170010635
Property Type Attached
Ready to be charmed?? This lovely 2 bedroom, 2 bath condo is move in ready. Feel safe in this quiet Rancho Bernardo community. Flowing floor plan that allows for ample natural light to shine in every room. Beautiful vaulted ceilings equipped with granite kitchen counter tops and stainless steal appliances. Centrally located to school, shopping, restaurants, entertainment and freeways,

17472 Caminito Canasto San Diego, CA 92127

$419,000 - 2Br/2Ba -  for Sale in Westwood, San Diego
New
$419,000
2 Beds
2 Baths
1,118 SqFt
Status Active
MLS # 170020984
Property Type Attached
Beautifully remodeled single level condo! Freshly painted interior; Brand new kitchen with Shaker style cabinets, Marbled Quartz countertop, new stove and dishwasher, new stainless range hood and farm style sink, and recessed lighting; new flooring and carpet; open floor plan with vaulted LR ceiling and lots of natural light plus a great outdoor entertaining patio; Remodeled baths with new vanities, lighting and reglazed shower/tubs; New mirrored wardrobe doors in the MBR; 2 car detached garage!

14751 Caminito Orense Este San Diego, CA 92129

$450,000 - $455,000
2 Beds
1.5 Baths
1,470 SqFt
Status Active
MLS # 170018868
Property Type Townhome
Beautifully upgraded end unit 2 BR TOWNHOME, largest floorplan in the complex with attached 2-CAR GARAGE and HUGE bedrooms. Upgraded kitchen with granite counters and stainless steel appliances. Upgraded baths feature granite counter vanities. Natural hardwood flooring on first level; travertine in kitchen and baths. Park like views from living & bedrooms. Conveniently located nearby award-winning Poway schools & close to parks, restaurants, I-15, a MUST SEE! Pls see confidential remarks.

3820 Elijah Ct. 214 San Diego, CA 92130

$439,000 - $489,000
2 Beds
2 Baths
953 SqFt
Status Active
MLS # 170019933
Property Type Attached
WOW, check out this beautiful 2 bedroom 2 bath condo in a great location at Carmel Pointe. This quiet community is just minutes from Del Mar Highlands shopping center, the beach and the 5, 15 and 56 freeways. Turn key unit with new paint and carpet also, stainless appliances and check out the one car garage. HOA dues include water, trash plus an immaculate community pool, spa, gym, BBQ area and club house with kitchen and pool table. In addition to all this the Carmel Valley Community Park is very close.

3877 Pell 121 San Diego, CA 92130

$549,000 - 2Br/2Ba -  for Sale in Carmel Valley, San Diego
New
$549,000
2 Beds
2 Baths
1,052 SqFt
Status Active
MLS # 170021076
Property Type Attached
Gorgeous first floor unit at Pell Place with huge patio space overlooking putting green. Immaculate condition with beautiful laminate floors, granite counters and stainless appliances. Rich, custom woodwork including wainscot and crown molding. Great floor plan with separated bedrooms with walk-in closets. Fresh paint and carpets throughout. Walk to restaurants, shopping, cinemas and more at Del Mar Highlands! Minutes to Del Mar Beaches and Racetrack. Good commute location and top schools nearby!

13529 Tiverton Rd San Diego, CA 92130

$549,900 - 2Br/2Ba -  for Sale in Del Mar Highlands, San Diego
Open House
New
$549,900
2 Beds
2 Baths
1,063 SqFt
Status Active
MLS # 170020844
Property Type Attached
Quiet ground level corner unit, located in the very desirable beautiful Cambria complex. Updated with open concept kitchen/living area, ceiling lights, granite counter tops, new faucets and sinks, upgraded bathrooms and fireplace. One car garage and one assigned parking, full size washer and dryer, spacious patio. Complex features pools, spas and tennis courts. Close to shopping, beaches and award winning schools. No Mello Roos!

3970 Nobel Dr. 101 San Diego, CA 92122

$575,000
2 Beds
2 Baths
1,203 SqFt
Status Active
MLS # 170018341
Property Type Attached
Beautiful VILLA EUROPA complex. Swimming pool, spa, sauna, tennis courts. Ground floor unit with private patio, end unit. Centrally located on Nobel in UTC area. Cannot close prior to Sept. 17th nor possession prior.

12370 Carmel Country Rd 103 San Diego, CA 92130

$559,000 - $579,000
2 Beds
2 Baths
1,212 SqFt
Status Active
MLS # 170020405
Property Type Attached
Beautifully upgraded spacious single level home. New wood like laminate flooring and paint. Stainless steal appliances and granite countertops. Tile in kitchen and baths. Master Bedroom and 2nd bedroom both have walk-in closets. Both bathrooms are roomy and upgraded. Attached tandem garage has a nice area for storage. Close to shopping, entertainment and restaurants.

5369 La Jolla Blvd 16 La Jolla, CA 92037

$595,000 - 2Br/2Ba -  for Sale in Birdrock, La Jolla
Open House
New
$559,000 - $595,000
2 Beds
2 Baths
1,085 SqFt
Status Active
MLS # 170021195
Property Type Attached
Beautiful 2 bedroom / 2 bath end unit in a very quiet location away from the street. Large balcony overlooking the courtyard, green belt and pool area. Updated dual pane windows and doors throughout. Wood floors in living room, dinning room, hallway and both bedrooms. Smooth ceilings as well as designer paint colors. Baths are tiled. Master bedroom has 10x4 extension with all window that is great for a sitting room or office. Security screen door for continuous ocean breezes. This truly is a MUST SEE!