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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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2610 Torrey Pines Road C22 La Jolla, CA 92037

$499,000
2 Beds
2 Baths
1,204 SqFt
Status Active
MLS # 190002140
Property Type Attached
Lovely unit west of I-5. HOA PAYS FOR WATER. Quiet location, just blocks from beach & ocean. Spacious Patio with lovely mountain & garden views. Bright w/indoor Stacked Laundry in 2nd BA. Washer/Dryer/Fridge convey. Laminate & Tile Flooring. Gorgeous Bathrooms & Kitchen. Fabulous Racquet Club community w/Pool, Spa, 2 Tennis Courts, Clubhouse, Private Storage Closet in Gated Garage. Buyers to pre-qualify w/Ryan Schaefer of New American Funding.

3540 Caminito El Rincon 73 Carmel Valley, CA 92130

$519,000
2 Beds
2 Baths
944 SqFt
Status Active
MLS # 180053250
Property Type Attached
Luxurious and renovated end unit home located in the highly desirable Camino Villas resort style complex features a light and bright open floor plan, all new: interior paint, quartz countertops, stainless steel appliances, wood plank style flooring (all hard surface/no carpet) plus a cozy fireplace, central forced air, covered patio with closet for washer/dryer. Beautiful resort like complex features tennis courts, pool, spa, fitness center and club house!

8332 Regents Rd 3a San Diego, CA 92122

$526,000 - 2Br/2Ba -  for Sale in University City, San Diego
New
$526,000
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!

3565 Caminito El Rincon 206 San Diego, CA 92130

$529,900
2 Beds
2 Baths
944 SqFt
Status Active
MLS # 180054699
Property Type Attached
Upstairs Camino Villas two bedroom, two bath corner unit has sunlight streaming in. Excellent location in complex with great privacy. Brand new carpets, fresh paint, travertine floors, covered patio, mirrored walls and cozy fireplace. Full size washer/dryer plus refrigerator. Second bedroom has built in cabinets and desk so it could be used as an office or den. Centrally located to all Carmel Valley has to offer including a variety of restaurants, shopping and superb school districts. May go VA or 3% down

3554 Caminito El Rincon 58 San Diego, CA 92130

$519,995 - $529,995
2 Beds
2 Baths
944 SqFt
Status Active
MLS # 180067004
Property Type Attached
Upstairs end unit, attached only from one side and hence, very private. Front door facing East. Lots of natural sunlight. Stainless steel appliances, granite counters. Open, airy and bright kitchen and dining combo. Washer dryer in the patio closet. Lots of storage. Very convenient, centrally located, Minutes from the freeways, close to the Beach, shopping, restaurants, movie theaters. Community offers ample guest parking, swimming pool, spa and clubhouse. Award winning Carmel Valley School District!

4009 Carmel View Rd 163 San Diego, CA 92130

$549,000
2 Beds
2 Baths
1,071 SqFt
Status Active
MLS # 180066713
Property Type Attached
LIGHT & BRIGHT, Sun-filled home. This first floor corner unit sits on the southern edge of the complex where no other units look in. It's elevated pad provides privacy out on the large front patio, and the home's 10 windows and 9 ft ceilings gives it a light and airy feel. It's been completely renovated with granite countertops, stainless steel, recessed lighting, dual pane windows, wood floors, cellular blinds, and remodeled bathrooms. ALL THE FURNITURE IS FOR SALE AND NEGOTIABLE. Come see this home!

3131 Via Alicante 202 La Jolla, CA 92037

$549,500
2 Beds
2 Baths
1,017 SqFt
Status Active
MLS # OC18270394
Property Type Attached
Must See! Premier location in heart of La Jolla at Villa Tuscana. This light and bright condo is stunningly gorgeous 2 bedrooms 2 full baths is turn-key condition. Designer Paint, and New Carpet compliment the beautiful Kitchen with Granite countertops, pull out shelves, and stainless steel appliances. The spacious bedrooms and bathrooms give you plenty of room and countertop space. Association Amenities include: Pool/Spa and Water and Trash coverage as well as all exterior maintenance as well as two assi

3544 Caminito El Rincon 48 San Diego, CA 92130

$549,988 - 2Br/2Ba -  for Sale in Carmel Valley, San Diego
Open House
New
$549,988
2 Beds
2 Baths
944 SqFt
Status Active
MLS # 190002972
Property Type Attached
Light, bright, SW facing, upper unit with 9ft. ceilings. Wood laminate flooring in living room/dining area w/fireplace, new carpet in bedrooms & hall, tile in bathrooms & kitchen. Fresh paint, stainless appliances in kitchen including refrigerator, full sized side-by-side W/D in balcony closet. New fixtures in bathrooms. Lushly landscaped complex with pool, spa. tennis court & exercise room. Assigned covered carport space. Convenient to all schools, shopping, entertainment. Easy access to I-5 and 56.

2610 Torrey Pines Rd C-21 La Jolla, CA 92037

$559,000
2 Beds
2 Baths
1,204 SqFt
Status Active
MLS # 180060118
Property Type Attached
Welcome to La Jolla Racquet Club...a resort themed complex with pool/spa and tennis courts. Rare end unit equals an extra light filled condo! Special Features: added care taken in making this unit “move-in” ready with fresh paint and carpet; baths have been updated too; two parking spaces. Primo complex location: close to UCSD, 7 blocks to ocean, close to the Village…it’s a value too good to miss!

12213 Carmel Vista Road 139 San Diego, CA 92130

$560,000
2 Beds
2 Baths
1,101 SqFt
Status Active
MLS # 180047632
Property Type Attached
Welcome home to the Lakes the model unit. 2 Bedroom 2 bathroom ground level unit. Water fall and water feature views from every room. Recessed speakers in each bedroom and living room, crown molding, bull-nosed corners, travertine floors, brand new plush carpeting, granite counter tops, programmable keyless entry and more await you at this serene and quite location. Tennis courts,club house and poolside grills,sauna and hot tub spa. Brooks that connect 4 beautiful lakes, filled with koi fish!

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!

7918 Playmore Terrace San Diego, CA 92122

$560,000
2 Beds
2 Baths
893 SqFt
Status Active
MLS # 180067033
Property Type Attached
Bright single level corner unit, freshly painted with all new laminate flooring throughout, new window covering and a cozy fireplace with a sun filled large private patio that is fully fenced. Spacious master bedroom with large walk-in closet and extra storage. Full size laundry closet with storage space in the patio. One carport and one assigned parking space just out side of the unit. Easy access to shops and restaurants and freeways.