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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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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.

12580 Carmel Creek Rd 51 San Diego, CA 92130

$499,900 - 2Br/2Ba -  for Sale in Del Mar Villas, San Diego
Open House
$499,900
2 Beds
2 Baths
864 SqFt
Status Active
MLS # 190008611
Property Type Attached
Indulge in the serene views and unparalleled location from this corner unit condo in the resort like community of Del Mar Villas. Zoned in the highly sought-after Carmel Valley School District (rated 10!). Lower level unit quietly tucked away near the back of the complex with a private gated patio. Inside you’ll admire the statement kitchen with granite counters, stainless steel appliances, pantry, bar seating and is open to the dining area and living room. **See Supplemental**

3544 Caminito El Rincon 48 San Diego, CA 92130

$494,888 - $508,888
2 Beds
2 Baths
944 SqFt
Status Active
MLS # 190002972
Property Type Attached
REDUCED! SW facing, light, bright upper unit with 9ft. ceilings. Wood laminate flooring in living room, w/fireplace, dining area & kitchen; new carpet in bedrooms & hall & tile in bathrooms. Fresh paint, stainless appliances in kitchen including refrigerator, full sized, side-by-side W/D in balcony closet. New faucets in bathrooms. Lushly landscaped complex with pool, spa. tennis court & exercise room. Assigned covered carport. Convenient to all schools, shopping, entertainment. Easy access to I-5 and 56.

12590 S Carmel Creek Road 16 San Diego, CA 92130

$510,000
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.

7405 Charmant Dr 2315 San Diego, CA 92122

$539,900
2 Beds
2 Baths
1,037 SqFt
Status Active
MLS # 190012282
Property Type Attached
Resort living at its finest! Spacious dual master 2 bedroom in highly sought after Verano La Jolla. Freshly painted, custom cabinetry, waterproof laminated wood floors, granite counters throughout, in house washer and dryer. Walking distance to UCSD bus stops, shopping, restaurants, park, greenbelt, and elementary school. La Jolla beaches nearby. Verano La Jolla offers 2 pools, 2 spas, separate male and female saunas, fitness center, internet café, 2 BBQ facilities. Two secure underground parking.

8889 Caminito Plaza Centro 7220 San Diego, CA 92122

$544,990
2 Beds
2 Baths
956 SqFt
Status Active
MLS # 190013787
Property Type Attached
Move in ready pristine condition dual master condo for your dream home or investment! Desirably located in the heart of UTC and UCSD. Beautiful upgrades throughout: Coretec Plus waterproof luxury flooring, New paint, New dual pane windows, SS appliances, Remodeled bathroom, Larger capacity washer/dryer. Walk-in closets, Dual balconies w/ storage. Resort style amenities: Pool, Jacuzzi, gym, yoga room, cyber café. Near upcoming Trolley station, easy access freeway, walk to Wholefoods, restaurants & more!

8268 Gilman Drive 16 La Jolla, CA 92037

$545,000
2 Beds
1.5 Baths
1,053 SqFt
Status Active
MLS # 190013936
Property Type Attached
This upgraded 2 bedroom/2 bath La Jolla Hideaway townhome boasts commercial grade flooring on the main floor and new carpeting in the stairwell and top floor. With an updated kitchen, upgraded lighting and stainless steel appliances, this home is move-in ready. The two car garage in conveniently attached and has direct entry into the home. With close proximity to the 5 freeway, schools & shopping centers, this townhouse is in the ideal location.

3550 Lebon Drive 6219 San Diego, CA 92122

$547,900
2 Beds
2 Baths
956 SqFt
Status Active
MLS # 190011164
Property Type Attached
Incredible 2nd floor corner-end condo in pristine condition! Lovely features include desirable floor plan w/bedrooms on separate sides of living room, walk-in closets, gleaming hardwood floors, open kitchen w/granite counters & stainless steel appliances, luxurious tile enclosed bathrooms, in-unit laundry & two balconies each w/storage rooms! Highly desirable location close to UCSD, the newly renovated UTC Mall, The Shops at La Jolla Village, (which includes Whole Foods), La Jolla Shores Beach and more!

10543 Avenida Olinda 1 San Diego, CA 92127

$548,800
2 Beds
2 Baths
1,356 SqFt
Status Active
MLS # 190015352
Property Type Townhome
Centrally located within the coveted 4S Ranch community, this beautifully upgraded end-unit townhome, has it all. Just a short walk to highly acclaimed schools, trails, shopping, parks and more! Welcome home to Gianni, where exciting individuality meets urban style and relaxing comfort. See supplement for more details.

3520 Lebon Dr 5125 San Diego, CA 92122

$549,900
2 Beds
2 Baths
956 SqFt
Status Active
MLS # 190003887
Property Type Attached
Beautiful two bed two bath condo in La Jolla! Move in ready with a large patio, stackable dryers, extra storage, and a private garage. Trash, water and maintenance covered in HOA. Free wifi in community room. Two assigned parking spots in private garage. Secure doors at entrance with key swipe-only access, large swimming pool with terraced sun-bathing deck, lovely spa, state of the art fitness center with yoga room, business center with fax and copy machine access, picnic areas and sand volleyball court.

8460 Via Mallorca 237 La Jolla, CA 92037

$549,900
2 Beds
2 Baths
1,017 SqFt
Status Active
MLS # PW18222250
Property Type Attached
Desirable place to live in the heart of La Jolla. The condo is on 2nd floor, This nice condo features: 2 bed rooms, 2 baths, stainless steel appliances, granite counter tops, fire place in the living room, newly painted two tone paint, new carpet in bedrooms and spacious balcony. Come and check it out.

3621 Bernwood Pl. 105 San Diego, CA 92130

$560,000
2 Beds
2 Baths
950 SqFt
Status Active
MLS # 180061242
Property Type Attached
Enjoy resort style living in this two bedroom condo in the heart of Carmel Valley. You can’t ask for a better location. Quiet, private, no stairs in this unit, and close to pool and jacuzzi. Enjoy a great school district, easy access to freeway, walking distance to theater & shops. 5 minutes to Del Mar Beaches. Complex offers pool, spa, weight room, laundry room. Great condo for investor cash flow!