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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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303 Coast Blvd 5 La Jolla, CA 92037

$6,500 - 2Br/2Ba -  for Sale in La Jolla Cove, La Jolla
New
$6,500
2 Beds
2 Baths
1,051 SqFt
Status Active
MLS # 190015993
Property Type Attached
Rare opportunity to enjoy this newly remodeled 2 bedroom condo just across the street from the tide pools and sandy beaches . Very well appointed, new furniture, amazing views from every room. Mere minutes of walking to the Cove and La Jolla’s famous art museums, galleries, restaurants and shopping.

17199 W W Bernardo Dr 208 San Diego, CA 92127

$344,900
2 Beds
2 Baths
944 SqFt
Status Active
MLS # 190014321
Property Type Attached
This upper unit is located on the quiet northwest corner of the complex with a carport parking space right in front of the unit and a designated uncovered parking spot steps away, vaulted ceiling in living room, newer stacked washer/dryer unit, newer glass bath/shower enclosures, Poway Unified School District, VA approved.

10341 Azuaga St 245 San Diego, CA 92129

$355,000
2 Beds
2 Baths
881 SqFt
Status Active
MLS # 180066185
Property Type Attached
Move in Ready, 2 Master Suite, first floor condo nestled in back of complex with green space in front and back. First time on market in nearly 20 years. End unit provide lots of natural light. No stairs! Fresh new paint, carpet and decora electrical receptacles. Great location for convenient dining & shopping. Clean and ready to become your new home!

17161 Alva Rd 1612 San Diego, CA 92127

$399,900 - $410,000
2 Beds
2 Baths
968 SqFt
Status Active
MLS # 190015138
Property Type Attached
Fully upgraded 2 bedroom, 2 bath ground level condo in The Summit at RB. South facing brings lots of natural lights. 9 ft tall high ceiling. Open floor plan offers spacious living area and bedrooms. Laminate flooring throughout living area. Tiles flooring at kitchen and bathrooms. Bamboo kitchen cabinet with quartz counter top, SS appliances. Fully remodeled bathrooms. Ceiling fan/lights in all rooms. Walk-in closet in MBR. No Mello Roos. Awesome community amenities. Convenient location. Close to all!

6192 Agee St 251 San Diego, CA 92122

$439,000 - 2Br/2Ba -  for Sale in University City, San Diego
New
$439,000
2 Beds
1.5 Baths
956 SqFt
Status Active
MLS # 190015710
Property Type Attached
WELCOME TO THE PARK! Location! Location! Location! This charming & cozy 2 bedroom corner unit in The Park is now available! This move-in ready home offers great natural light, large bedrooms, large private covered patio, balcony off Br#2, 1 detached car garage and 1 assigned space #251. Upgrades include custom kitchen cabinets, granite counter tops, complete remodel of 1/2 bath and Master shower, wood laminate flooring & new carpet in bedrooms. Near UTC, La Jolla, shopping and major freeways.

13754 Mango Drive 316 Del Mar, CA 92014

$450,000 - 2Br/2Ba -  for Sale in Del Mar, Del Mar
New
$450,000
2 Beds
2 Baths
804 SqFt
Status Active
MLS # 190015956
Property Type Attached
TOP FLOOR IN THE DESIRABLE DEL MAR BLUFFS! FILLED WITH LIGHT, INTERIOR LOCATION AND AWAY FROM THE ROAD ON THE THIRD FLOOR. WEST OF I-5. MINUTES TO THE DEL MAR BEACHES, TORREY PINES STATE BEACH, DEL MAR RACE TRACK, SHOPS AND THE FREEWAY. NEW WINDOWS AND SHUTTERS THROUGHOUT. HARDWOOD AND LAMINATE FLOORING, NEWER KITCHEN APPLIANCES. GATED COMPLEX, POOL/SPA, BBQ, TWO ELEVATORS AND TWO ONSITE LAUNDRY ROOMS. ASSIGNED COVERED PARKING WITH STORAGE.

2582 Del Mar Heights Rd 15 Del Mar, CA 92014

$453,000
2 Beds
1.5 Baths
860 SqFt
Status Active
MLS # 180063571
Property Type Attached
This is the best value for a 2 bedroom condo with garage in the entire market from Cardiff to Carmel Valley, and currently is the lowest price;(Located in Del Mar Heights west of the freeway coastal close). The association fee includes all paid: water, sewer, trash, gardening, common area maintenance and limited insurance. New kitchen cabinets, counter top and all appliances which convey. New window shades stack on both ends.Solid bamboo wood floorings makes for a clean lifestyle. Thanks for looking.

3890 Nobel Drive 503 San Diego, CA 92122

$459,000
2 Beds
2 Baths
1,153 SqFt
Status Active
MLS # 190011909
Property Type Attached
PACIFIC REGENT LUXURY RETIREMENT LIVING (age 62 +) - Panoramic views both day & night from this beautiful 2 bdr /2 bath west-facing corner unit - Foyer welcomes you in as you meander to the views that await you! There is a balcony off the living room for enjoyment of the outdoors. Secure underground parking with optional valet. Services include gourmet dining room serving lunch & dinner, weekly housekeeping, full-time activity director, transportation, 24-hr concierge and so much more. ENJOY!

7120 Shoreline Dr 2204 San Diego, CA 92122

$459,000 - $469,000
2 Beds
2 Baths
848 SqFt
Status Active
MLS # 190011835
Property Type Attached
Beautiful Lucera at UTC condominium in a gated community. Unit has upgraded stainless steal appliances and granite countertops. Washer and dryer inside unit. Dual master layout with plenty of room and private balcony. Detached shared garage with 1 space and additional parking space throughout complex. Community amenities include 2 pools,spa,gym,clubhouse and tennis court and more. Conveniently located right off the I-805 freeway. Easy access to all freeways.

8332 Regents Rd 3a San Diego, CA 92122

$486,000
2 Beds
2 Baths
1,054 SqFt
Status Active
MLS # 190002774
Property Type Attached
Top floor with vaulted ceilings. End unit with windows around. Bright and light. Brand new carpet and fresh paint. 2 garage parking spots and storage. Shuttle buses stop outside the gate. Convenient location close to all: UCSD, Doyle Park, Doyle Elementary School, VONS, Whole Foods Market, Costa Verde, restaurants, banks, Postal Office, Westfield UTC Mall, etc. Easy access to freeways. Ideal investment or great starter home. Don't miss this opportunity to own in the popular UTC community!

15383 Maturin Dr 209 San Diego, CA 92127

$489,000 - 2Br/2Ba -  for Sale in High Country West, San Diego
New
$489,000
2 Beds
2 Baths
1,085 SqFt
Status Active
MLS # 190015538
Property Type Attached
Highly upgraded top floor end unit in desirable Villa Taviana complex. Owner has spent $50K in upgrades that include Custom kitchen cabinets, soft close drawers, under cabinet lighting, Quartz counter tops, beautiful back splash, both bathrooms have been completely remodeled and a brand new Jacuzzi tub in downstairs bathroom. New wood and tile flooring throughout. Dual pane windows, and crown molding throughout the house, and much much more. Make this a must see unit!!

3969 Mahaila Avenue 112 San Diego, CA 92122

$499,000
2 Beds
2 Baths
1,000 SqFt
Status Active
MLS # 190005789
Property Type Attached
Don't miss out on this amazing opportunity to own in UTC. Great single level 1st floor condo within the desirable Park Place community in University City. Spacious 2 bedroom, 2 bath with an open floor plan, 9 ceilings, custom stone flooring, cozy fireplace, in-unit laundry, covered patio with storage closet and two assigned underground parking spaces. In the heart of the Golden Triangle convenient to shopping, restaurants, UCSD, freeways and the upcoming light rail extension.