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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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17155 W Bernardo 107 San Diego, CA 92127

$309,000 - 2Br/2Ba -  for Sale in Waterbridge, San Diego
Open House
$309,000
2 Beds
2 Baths
944 SqFt
Status Active
MLS # 170013889
Property Type Attached
Villa Realty Inc.
Priced to Buy! Two bedroom, two bathroom single-level condo on ground floor. Stainless steel appliances, washer/dryer closet, central Air and 2 parking spaces. Community has pool/spa/gym/playground, BBQ areas, clubhouse walking paths and pet friendly per HOA. EZ access to restaurants, shopping & freeways.

6350 Genesee Ave. 215 San Diego, CA 92122

309000 - 319000
2 Beds
2 Baths
816 SqFt
Status Active
MLS # 170014221
Property Type Attached
houserebate.com
2 bedroom, 2 bath end-unit condo in centrally-located UTC for those 62 years old and older. Home is located on the first-floor and is wheel-chair accessible. Both baths have been remodeled in recent years. One bath even has a walk-in shower. Regency Villas is an active-adult community. There is plenty of things to do and many of opportunities to make friends. . See Supplement for more.

3890 Nobel Drive 508 San Diego, CA 92122

$348,000
2 Beds
2 Baths
1,200 SqFt
Status Active
MLS # 170000462
Property Type Attached
RE/MAX Associates
LUXURY RETIREMENT LIVING AT PACIFIC REGENT LA JOLLA... AGE 62 & over. Recently Upgraded, Spectacular Panoramic Views... Very Private. Upscale Retirement Community offers beautiful dining, gourmet dining room serving lunch and dinner, pool, library, full time activity director, weekly housekeeping, underground parking with optional valet service, transportation, 24-hour concierge, pool, tennis courts & more... Foyer, living room, dining area, complete kitchen, master suite, second bedroom/den/office..

3890 Nobel Drive 201 San Diego, CA 92122

$349,000
2 Beds
2 Baths
1,226 SqFt
Status Active
MLS # 170007292
Property Type Attached
Pacific Sotheby's Int'l Realty
LUXURIOUS high-rise retirement in Central Coastal San Diego. Luxury at its FINEST: AGE 62 and over. 2nd story home: foyer, living room, dining area, complete kitchen, master suite, second bedroom/den/office & second full bath. Large personal patio. Washer/dryer inside your home. Secured underground 2 parking spaces & optional valet. Experience great cuisine, gourmet restaurants, 24/7 concierge, social events and shuttles and more. 2nd resident $276/month. 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
Big Block Realty, Inc.
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,

3890 Nobel 1108 San Diego, CA 92122

$399,000
2 Beds
2 Baths
1,200 SqFt
Status Active
MLS # 170008299
Property Type Attached
Watermark Retirement Propertie
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 $276 per month.

16969 Robins Nest 1 San Diego, CA 92127

$399,000 - 2Br/2Ba -  for Sale in Bernado Springs, San Diego
New
389000 - 399000
2 Beds
2 Baths
977 SqFt
Status Active
MLS # 170014309
Property Type Attached
Keller Williams-Carmel Valley
Serene gated community of Sittella. Light & bright 2BD/2Bth corner unit condo nested in Bernardo Springs community. Highly upgraded with wood laminate flooring throughout. Stainless steel appliances, Granite counter tops in kitchen. New Bathroom vanities in both Bathrooms..California closet in master closet. New ADT security system (Remote Control).. New digital thermostat (Remote Control).. Very Peaceful and quiet complex.. Nice patio to enjoy an evening cocktail and BBQ. Low HOA & Melloroos..

16934 Laurel Hill 164 San Diego, CA 92127

$425,000 - 2Br/2Ba -  for Sale in 4s Ranch, San Diego
New
400000 - 425000
2 Beds
2 Baths
1,068 SqFt
Status Active
MLS # 170014320
Property Type Attached
Craig Sanger Realty
This beautiful turnkey immaculate residence features an open floor plan on a single level. Situated on the top floor as the corner unit you'll enjoy complete serenity in a newer neighborhood with all the best retail, services, parks, schools and more just steps away. Additionally, this unit features 2 spacious and separate detached garages which you can use for additional storage and/or several vehicles.

12685 Camino Mira Del Mar 145 San Diego, CA 92130

$434,900
2 Beds
2 Baths
864 SqFt
Status Active
MLS # 170005669
Property Type Attached
RE/MAX Associates
Seller wants to rent back home or lease for up to 6-12 months FYI... Great first level Del Mar Villas condo fully upgraded throughout the home. Private patio, next to grassy area, storage, carport, and more! Complex features pool, spa, tennis courts, and exercise room.

8338 Regents 2 O San Diego, CA 92122

$449,000
2 Beds
2 Baths
1,075 SqFt
Status Active
MLS # 170011699
Property Type Attached
American Real Estate Group
Great Gated Condominium located in the University City area. Great Area! Minutes away from the 805 Freeway. Very private with a pool view. Upgraded carpet, New painting. Brand new microwave and dishwasher.

3568 Caminito El Rincon 87 San Diego, CA 92130

$450,000 - 2Br/2Ba -  for Sale in Camino Villas Ii, San Diego
New
419000 - 450000
2 Beds
2 Baths
974 SqFt
Status Active
MLS # 170014341
Property Type Attached
AARE
Entry Level Condo Open Floor Plan & Private Patio.Tile Floors Through-out with Galley-Style kitchen includes newer refrigerator, Oven, Dishwasher. Fireplace in Living room. Full size Washer and dryer included and located in Room on patio. Beautifully landscaped complex includes two pools/spas, Exercise room and Tennis Courts. Easy access to Hwy 5 and 56, Shopping, Movie Theater,Beaches, and lots of Carmel Valley amenities such as Parks, Library, Recreation center & Top Rated Schools.

3535 Caminito El Rincon 267 San Diego, CA 92130

$465,000
2 Beds
2 Baths
944 SqFt
Status Active
MLS # 170009137
Property Type Attached
Berkshire Hathaway HomeService
Quality remodel, ground floor condo with open view from patio. Spacious first floor two bedroom end unit features a bright living space with fireplace & hardwood flooring, beautiful new white kitchen with stainless appliances, large bedrooms and remodeled baths. Includes newer full size washer and dryer. Resort style living with community pool and spa, tennis courts, fitness center and lush landscaping! Located close to shopping, restaurants and local beaches in the award winning Del Mar School District.