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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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11211 Avenida De Los Lobos D San Diego, CA 92127

$335,000
2 Beds
2 Baths
894 SqFt
Status Active
MLS # 170043624
Property Type Attached
End upstairs unit located in a very quiet location with views. Charming 1 level property in immaculate condition. This property has a bright, airy well designed floor plan. High ceilings add to the spaciousness of the home. It has been stylishly upgraded with newer laminate flooring and fresh paint. Step out onto the private balcony and enjoy the views of the hills. There is no building structure off the patio so it is very private. The development offers 2 pools, exercise room, and tennis court.

17087 W Bernardo Dr 204 San Diego, CA 92127

$335,000 - $345,000
2 Beds
2 Baths
955 SqFt
Status Active
MLS # 170042896
Property Type Attached
Great location in the scenic park-like community. Beautiful garden view from the patio. Ceramic tile and wood-like flooring and carpet. Upgraded kitchen with granite counters and stainless appliances. Stacked washer/dryer. Central A/C. Large pool w/ spa, playground, and fitness center. Located in the award winning Poway School District. Close to Westwood Elementary. Two assigned parking spaces one with carport: space #18 and #75 (carport).

9949 Azuaga St G206 San Diego, CA 92129

$340,000 - $349,900
2 Beds
2 Baths
833 SqFt
Status Active
MLS # 170040922
Property Type Attached
Don't miss out on this opportunity to own this fabulous 833 sq ft, 2 bed, 2 bath, 2nd floor condo in Rancho Penasquitos! Close proximity to shopping centers, restaurants, fitness center, major thoroughfares, daycares, and more! Added neighborhood BONUS - award winning and nationally ranked Poway Unified schools. Home boasts new carpet, recess lighting, updated kitchen, and stainless steel kitchen appliances. Balcony faces Northeast with views of the playground and hillside.

17161 Alva 1324 San Diego, CA 92127

$380,000
2 Beds
2 Baths
899 SqFt
Status Active
MLS # 170041892
Property Type Attached
This condo features incredible views that will take your breath away. Inside you will find an open family room, dining area & kitchen complete with a fireplace, laminate flooring in kitchen and bathrooms & high ceilings. With 2 bedrooms, 2 full bathrooms, a master walk-in closet & separate laundry area, this condo has everything you could want. This home is in the Poway school district & is close to everything 4S Ranch has to offer!

6176 Agee St 103 San Diego, CA 92122

$399,999
2 Beds
1.5 Baths
956 SqFt
Status Active
MLS # 170042709
Property Type Attached
Tropical feel with beautiful Palm trees on back patio, a truly delightful home with spacious rooms, 2 large patios, lots of natural light, nice breezes, all in a quiet end-unit location within 'The Park I' complex. 1-car garage, +Assigned parking space #103 & guest permit. Swimming pool, great easy-access, conveniently located near public transportation, shopping, restaurants, beaches, La Jolla and UCSD

7120 Shoreline 2105 San Diego, CA 92122

$409,500
2 Beds
2 Baths
848 SqFt
Status Active
MLS # 170039850
Property Type Attached
Super popular complex and most sought after model boasting private double bedroom/bath on each side of spacious living room floor plan all on one level well located unit including upgraded tile, remodeled glass kitchen cabinets with stainless steel appliances, granite counters in kitchen/baths, cozy living room fireplace, walk in closet, private washer/dryer closet and glass slider leading to enchanting patio with newly landscaped surroundings, garage parking, nearby (continued on Supplement)

11324 Poblado Rd San Diego, CA 92127

$389,000 - $419,000
2 Beds
1.5 Baths
1,116 SqFt
Status Active
MLS # 170041239
Property Type Townhome
Welcome home to this charming Westwood 2-bed 1.5-bath townhouse! Enjoy the quiet front courtyard or the open back patio with mountain view. Recently updated kitchen features stainless steel appliances and slab granite countertops. Other highlights include updated baths, newer laminate and tile flooring downstairs, and carpet upstairs. Part of the distinguished Poway School District and the Westwood Club, which provides access to aquatic center, tennis and basketball courts, playground, and more!

3890 Nobel 304 San Diego, CA 92122

$425,000
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, full-time activity director, transportation, 24-hour concierge, and much more. Second occupant is a additional $280 per month.

7160 Shoreline Dr 4112 San Diego, CA 92122

$425,000
2 Beds
2 Baths
848 SqFt
Status Active
MLS # 170038345
Property Type Attached
VERY QUIET OVERLOOKING GREENBELT IN GATED LUCERA IN THE RENAISSANCE DESIRABLE 2 MASTER SUITE ON OPPOSITE SIDES FOR PRIVACY*HARDWOOD FLOOS THROUGHOUT AND GRANITE COUNTER TOPS IN KITCHEN AND BATHS*NEW WASHER/DRYER AND MICROWAVE,AIR CONDITIONING*WALK IN CLOSETS AND 1 DETACHED CAR GARAGE AND LOTS OF GUETST PARKING*PASTORALIC COMPLEX BACKING TO A CANYON AND OFFERS 2 POOLS AND BBQ ,BASKETBALL AND TENNIS COURTS.CLOSE TO I-805 AND UTC FINEST MALL IN SAN DIEGO..

4070 Rosenda Ct. 214 San Diago, CA 92122

$429,900 - 2Br/2Ba -  for Sale in La Jolla Colony, San Diago
Open House
$429,900
2 Beds
2 Baths
966 SqFt
Status Active
MLS # 170042689
Property Type Attached
Lower level corner unit in excellent interior location with spacious patio. Popular 2br/2ba floorplan with retextured ceilings, new vinyl plank flooring, newer carpet, new paint, crown molding, & walk-in closet. Washer/dryer in unit. 2 reserved covered parking spaces w/storage. Close to UCSD, restaurants, parks, canyon, beaches, shopping & freeway access. Minutes to anywhere in San Diego.

4115 Porte De Merano 130 San Diego, CA 92122

$449,000 - 2Br/2Ba -  for Sale in La Jolla Colony, San Diego
New
$449,000
2 Beds
1.5 Baths
882 SqFt
Status Active
MLS # 170044114
Property Type Attached
Gorgeous 1st floor one level with hard to find attached 2 car garage, private laundry, gorgeous wood laminate floors, upgraded shutters with lush greenbelt/pool view from each room, expensively remodeled bathroom with granite counters, walk in closet, and much more along with vibrant UTC/La Jolla location close to schools, shopping, theaters, restaurants UCSD and Scripps/Scripps clinic/VA hospitals. Thank you for your interest.

7405 Charmant Dr 2316 San Diego, CA 92122

$474,000
2 Beds
2 Baths
1,037 SqFt
Status Active
MLS # 170037607
Property Type Attached
Newly Available Dual Master Suite Condo in Verano. This large 2 bedroom 2 bath condo located in the heart of the UTC area features 2 master bedrooms, wood floors, wood burning fireplace, granite counter tops and more. This home includes 2 gated parking spots and a guest parking pass. Close to Von's, nearby shops, UCSD Bus Stop and local nightlife. The Verano community boasts many on site amenities such as pool, spa, internet cafe and pedestrian bike/walk path. Come see all that this home has to offer!