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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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17199 W Bernardo Dr 208 San Diego, CA 92127

$343,900
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. New carpet and paint and ready to go.

17123 W Bernardo Dr. 103 San Diego, CA 92127

$345,000
2 Beds
2 Baths
955 SqFt
Status Active
MLS # 190022094
Property Type Attached
Updated and Beautiful Condo. New Paint, New flooring in Kitchen and Baths. New Carpeting. Never used new Washer and Dryer in unit on the Patio. All new window coverings. Bath tub and shower has been re glazed in both bathrooms. Mirrored wardrobe closet doors in the bedrooms. The complex has a large Clubhouse, an exercise work out room, a tot lot, pool and spa and a beautiful pond. Central Air and washer, dryer and Refrigerator too! Poway unified School District.

9777 Caminito Bolsa San Diego, CA 92129

$348,900
2 Beds
1.5 Baths
945 SqFt
Status Active
MLS # 190021399
Property Type Attached
Beautiful 2 bed 1.5 bath condo located in the highly desirable community of Penasquitos Pines of Rancho Penasquitos. Award winning Poway Unified Top Schools. No Mello-Roos! Living is easy with the recessed lighting, laminate flooring, and ceiling fans throughout. In your new kitchen you will find granite counter-tops, interior laundry, plenty of cabinet space, and natural light pouring in from your over-the-sink window. The natural light continues into the spacious bedrooms. Priced to sell.

9378 Twin Trails Dr 102 San Diego, CA 92129

$374,999
2 Beds
2 Baths
927 SqFt
Status Active
MLS # 190026732
Property Type Attached
Rare opportunity to own this Immaculate home in highly regarded Rancho Penasquitos. This home is turn-key and ready for you to move right in. Brand new flooring, dishwasher and counter-tops are just the beginning. Lush green ways with mature shrubs and tall palms line the pathway to your new home in the Penasquitos Casa Blanca Community of Rancho Penasquitos.

6350 Genesee 211 San Diego, CA 92122

$410,000
2 Beds
2 Baths
816 SqFt
Status Active
MLS # 190025945
Property Type Attached
Rarely available 2 bedroom end unit in this active 62 + community. Remodeled with natural lighting and westerly views.This is close to all the top shopping, hospitals and freeways, The community offers club house with several activities plus billiard and gym. 2nd floor with no steps and laundry facility on each floor.

6192 Agee St 251 San Diego, CA 92122

$419,000
2 Beds
1.5 Baths
956 SqFt
Status Active
MLS # 190015710
Property Type Attached
WELCOME TO THE PARK III! Location! Location! Location! This charming & cozy 2 bedroom corner unit, on the 2nd floor, 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.

15267 Maturin Drive 20 San Diego, CA 92127

$425,000
2 Beds
2 Baths
964 SqFt
Status Active
MLS # ND19077970
Property Type Attached
It's THE LOCATION - THE AMENITIES - AND THE UPDATES that makes this home someplace SPECIAL to live. It is located in the resort like complex of VILLA TAVIANA. These homes come with access to POOL, TENNIS COURT, and OVERSIZED EXERCISE GYM W/EQUIPMENT. Its also only a short drive (1 mile) to downtown RANCHO BERNARDO and 2.5 MILES from the great stores, eateries and a library at the 4S RANCH SHOPPING CENTER. This cute little condo has a great floor plan (diagrams have been included with pictures). The two be

3890 Nobel 403 San Diego, CA 92122

$435,000
2 Beds
2 Baths
1,153 SqFt
Status Active
MLS # 190019898
Property Type Attached
PACIFIC REGENTS LUXURY RETIREMENT LIVING (age 62+)- Gorgeous views both day and night from this beautiful 2 bdr/2 bath home-There's a balcony off the living room for enjoyment of the outdoors. Secure underground parking with optional valet. Services include gourmet dining room serving lunch and dinner, weekly housekeeping, full-time activity director, transportation, 24-hr concierge and so much more. Washer/dryer in the home.

13754 Mango Drive 305 Del Mar, CA 92014

$445,000
2 Beds
2 Baths
804 SqFt
Status Active
MLS # 190017487
Property Type Attached
West of Freeway 5. Beautiful 2 bedroom 2 bath condo located in Del Mar, only blocks away from the ocean, third floor, a lot of sunlight, one reserved parking, gated community, pool and spa, two elevators and two onsite laundry rooms, minutes to supermarket, shopping plaza, easy access to freeway 5.

14770 Caminito Orense Oeste San Diego, CA 92129

$449,000 - 2Br/2Ba -  for Sale in Carmel Mountain Ranch, San Diego
New
$449,000
2 Beds
2 Baths
980 SqFt
Status Active
MLS # 190027589
Property Type Attached
Enjoy this single-level townhome with vaulted ceilings, wood burning FP, & beautiful Granite counters. Relax in your spacious sunroom or private patio w views for miles. 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. End unit that backs to open space with serene park-like & mountain views, very private! Sun room not included in SF.

13754 Mango Drive 316 Del Mar, CA 92014

$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.

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, community library, weekly housekeeping, full-time activity director, transportation, 24-hr concierge ENJOY!