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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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8310 Regents Rd 2d San Diego, CA 92122

$460,000
2 Beds
2 Baths
898 SqFt
Status Active
MLS # 190025828
Property Type Attached
This great 2B/2B condo of fresh paint and new carpet is ready to welcome its new owner for own living or investment. This home is within a gated community of elevator next to MTS Superloop UCSD 201/202 route, taking you to UCSD campus and UTC mall for shopping in minutes.

15383 Maturin Dr 209 San Diego, CA 92127

$469,900
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!!

8338 Regents Rd 3g San Diego, CA 92122

$475,000
2 Beds
2 Baths
1,075 SqFt
Status Active
MLS # 190026680
Property Type Attached
Top Floor with vaulted ceilings, light & bright. Off covered interior walk way, close to elevator and stairs yet very private... Ideal location. View of pool from the large private patio. Just freshened up and ready to move in. Priced right and won't last...!

8332 Regents Rd 2g San Diego, CA 92122

$479,000
2 Beds
2 Baths
1,054 SqFt
Status Active
MLS # 190026526
Property Type Attached
Look no further. Top floor with vaulted ceilings. Light south facing private location. Bright and airy. No one above. Spacious open floor plan. Renovated inside and out. Brand new flooring, brand new kitchen, brand new bathrooms and much more. Designer paint. Elevator access. 2 car tandem garage spaces with storage unit, Gated community. Close to USCD, restaurants, theaters and prestigious UTC mall. Excellent freeway access. Minutes to walk to UCSD shuttle and bus stops. You will fall in love.

16915 Hutchins Landing 54 San Diego, CA 92127

$479,000
2 Beds
2 Baths
1,068 SqFt
Status Active
MLS # 190027010
Property Type Attached
Hurry to this gorgeous, rarely available, ground floor single level unit. Built in 2006 with 2 beds, 2 baths, 1,068 sf., this unit has a single garage attached WITH a second dedicated garage nearby! Beautiful hardwood floors, custom designer paint, ceiling fans, and a handcrafted, custom built in wall unit and closet systems in both bedrooms. This inviting kitchen boasts quartz counters, bar seating, even-gas cooking, large laundry closet just off kitchen, and separate dining area adjacent to family room.

9308 Babauta Rd 61 San Diego, CA 92129

$480,000
2 Beds
2 Baths
1,244 SqFt
Status Active
MLS # 190020800
Property Type Attached
HUGE PRICE REDUCTION!!!!!Come and Check out this rare unit in Monte Rio complex! Walking distance to Los Penasquitos Canyon Preserve and access to I-15 and I-56 within few minutes. This 2 Stories unit has 2Bd/2Ba and a large Loft you can convert to a bedroom or office space. Huge Balcony not facing any neighbors and another balcony of master bedroom. Slate Title around fireplace and Soaring Ceiling.

16911 Bixby Street 35 San Diego, CA 92127

$485,000
2 Beds
2 Baths
1,068 SqFt
Status Active
MLS # 190026803
Property Type Attached
2 bedroom, 2 full bathrooms property with two single detached garage spaces. The property has a bright and spacious floor plan that has been well kept and ready for you to move-in. Gorgeous home includes everything you need in the heart of 4S Ranch . Steps away from the pool, minutes walks to parks, shopping ,dinning, library and top school in award winning Poway SchoolDistrict. (Monterrey Ridge Elementary, Oak Valley Middle and Del Norte High school)

8332 Regents Rd 1i San Diego, CA 92122

$479,000 - $489,000
2 Beds
2 Baths
1,075 SqFt
Status Active
MLS # 190002305
Property Type Attached
What a location!! UCSD (bus stop near complex), UTC shopping, dining, parks, minutes to beaches, downtown, Mission Valley. This unit has not only been upgraded but it also has a full size washer and dryer in the unit, huge master bedroom with a bay window and walk in closet, peaceful and private balcony. Parking is convenient with 2 underground garage spots and an outside one as well. Fabulous home or rental ** BOMK - seller made some updates**

12590 S Carmel Creek Road 16 San Diego, CA 92130

$499,000
2 Beds
2 Baths
864 SqFt
Status Active
MLS # 190007164
Property Type Attached
Amazing opportunity to live in Carmel Valley's Del Mar Villas! Its location is one o the best in the complex-Close proximity to the entrance, personal covered parking space, pool, BBQ area, parklike setting, & tennis court. This second floor property has its own private walk up staircase with balcony looking through the mature green trees onto the pool. Inside you will find spacious rooms, a kitchen boasting granite countertops & stainless steel GE appliances. Freshly painted & brand new carpet.

12590 Carmel Creek Rd. 15 San Diego, CA 92130

$479,000 - $499,000
2 Beds
2 Baths
864 SqFt
Status Active
MLS # 190022661
Property Type Attached
Great location in ground floor, with small patio up front, across from the tennis courts and a few steps away from the pool and community center. Aside from the designated carport with storage, this unit is located next to many guest parking spots for visitors.Granite counters in kitchen & freshly painted unit.

12530 Carmel Creek Rd 135 San Diego, CA 92130

$499,900
2 Beds
2 Baths
864 SqFt
Status Active
MLS # 190007071
Property Type Attached
Lovely 2 BR 1st Floor Unit in desirable Del Mar Villas with Premium location offers the best school district. Upgraded Kitchen & Bathrooms, Granite Counters, Stainless Steel Appliances w/Gas Range/Oven, Laminate Floors, Coffered Ceiling & Crown Moulding. Private Patio. Resort style complex w/ Clubhouse Facility & many Greenbelts on manicured grounds, Pool, Spa, Tennis Courts, Gym. Washer/Dryer in unit & complex. Near Vons & Souplantation Shopping Center. 1 assigned Parking Space w/storage. Close to fwys.

3511 Caminito El Rincon 279 San Diego, CA 92130

$515,000 - $525,000
2 Beds
2 Baths
944 SqFt
Status Active
MLS # 190018514
Property Type Attached
Price reduction! Seller will consider offers between $515,000-525,000! Beautiful 2 bed 2 bath Camino Villas condo zoned for Del Mar & Carmel Valley elementary schools! Updated master bedroom, tons of excellent natural, fireplace, updated kitchen with stainless steel appliances, hardwood laminate flooring, large outdoor private patio, and full size washer and dryer. 1 assigned covered parking spot with lots of close by street parking as well. Close to shopping, dining, beaches, & Del Mar horse race track!