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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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10543 Avenida Olinda 1 San Diego, CA 92127

$538,800
2 Beds
2 Baths
1,356 SqFt
Status Active
MLS # 190022471
Property Type Townhome
Priced way below market for quick sale! Seller will entertain offers at or above list price. 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.

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.

3860 Elijah Ct 1034 San Diego, CA 92130

$540,000
2 Beds
2 Baths
953 SqFt
Status Active
MLS # 190025335
Property Type Attached
WELCOME TO CARMEL POINTE! Don't miss your chance to call this move-in ready, top floor two bedroom home yours! Close to award-winning schools and world-class beaches. Enjoy the light and bright open floor plan accented by crown molding in the living room with a quiet balcony where you can relax, unwind and drink in the serene greenbelt views. The kitchen features granite counters, recessed and pendant lighting plus stainless steel appliances.

3626 Bernwood Pl 63 San Diego, CA 92130

$545,000
2 Beds
2 Baths
950 SqFt
Status Active
MLS # 190024504
Property Type Attached
Move in ready! Impressive light and bright home was recently remodeled with flooring, paint and fixtures. Steps to top rated schools, Solana Highlands Park, One Paseo and Del Mar Highlands restaurants and shopping. Both bedrooms are well sized and the master has two large closets. The fully loaded kitchen has lots of cupboard space. Enjoy summer evenings on your private enclosed patio or at the community pool & spa. Full sized washer and dryer hookups. Assigned covered parking round out this lovely gem.

7575 Charmant Dr 1001 San Diego, CA 92122

$549,000
2 Beds
2 Baths
934 SqFt
Status Back On Market
MLS # 190020701
Property Type Attached
Best location,End unit on first floor in the heart of the UTC area in Verano of La Jolla and across from the Von's shopping center.Open floor plan,Kitchen with granite counter tops and S.S appliances.Dual pane windows.Wood floors, Master bedroom with Walk in closet. Overlooking greenbelt.2 under ground parking spaces close to unit and plenty of Guest parking..Verano boasts many on site amenities such as 2 pools,Spa,Gym pedestrian bike/walk path.Underway new paint of the Exterior of the whole complex!

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.

8860 Villa La Jolla Drive 105 La Jolla, CA 92037

$559,000
2 Beds
2 Baths
1,080 SqFt
Status Active
MLS # 190018016
Property Type Attached
Fabulous Boardwalk opportunity at great all cash price needing refinishing completion, but buyer earns immediate sweat equity and when finished buyer has remodeled to exactly what buyer wants.This sought after perfectly located la Jolla complex features turn of the century style known as the Craftsman movement w crafted wood/glass, clean lines, open space with patina of Simple Elegance. As you enter through the stately, stone gateway of Boardwalk/La Jolla, you are aware of its sensitive (See supplement)

3931 Camino Lindo San Diego, CA 92122

$565,000
2 Beds
2 Baths
893 SqFt
Status Active
MLS # 190026264
Property Type Attached
This prime location gorgeous canyon, single level corner beauty feels like a home but the HOA cuts the grass! (No one above or below). Features include uplifting light living room laminate flooring, cozy brick fireplace adjacent dining area, remodeled kitchen with granite counter plus private beautiful, lush patio and private laundry room. Down the hall you'll find plush new carpet in both bedrooms and master bedroom offering (cont on Supplement)

3187 Via Alicante 151 La Jolla, CA 92037

$549,000 - $569,000
2 Beds
2 Baths
1,017 SqFt
Status Active
MLS # 190026819
Property Type Attached
Turn key opportunity! Wonderful Villa Toscana condo, West of 5. Close to UCSD, shopping, beach, bus stop. Highly upgraded 2 BD and 2 BA, rarely available ground floor, Granite counters, newly painted, Rich laminate wood floors. stainless appliances, recessed lights. Living room features a fireplace and huge balcony deck .washer/dryer closet. Resort style community pool, spa and BBQ.

3941 Nobel 176 San Diego, CA 92122

$577,000
2 Beds
2 Baths
1,080 SqFt
Status Active
MLS # 190023520
Property Type Attached
Sunny, End Location. 2 Bedroom, 2 Bath with each being on a separate level, so lots of privacy. Vaulted ceiling in Living Room. Slider to Balcony Patio. Beautiful remodeled kitchen with granite counters, SS appliances. No one above! Quietly situated in back of complex,. Pool/ Spa Tennis and exercise room. First time in two years this model has come on the market. Condo comes with two portable air conditioning units. Washer and Dryer in unit. Two window AC units. Steps to shopping and UCSD Shuttle Bus.

3605 Bernwood Pl 74 San Diego, CA 92130

$579,900
2 Beds
2 Baths
950 SqFt
Status Active
MLS # 190020056
Property Type Attached
Gorgeous Martinique condo in Del Mar Highlands with a park-like setting, conveniently close to downtown Del Mar with shopping, restaurants and happenings. Walk or bike to the beach! 2 bedrooms and 2 full baths, located on a quiet cul-de-sac North of Del Mar Heights, close to schools and freeways. This home is the original owner and has been meticulously maintained. Built in gas BBQ on the private balcony, 2 additional custom storage cabinets in the living room as well. Great investment opportunity too!

6188 Caminito Baeza San Diego, CA 92122

$579,900
2 Beds
2 Baths
1,366 SqFt
Status Back On Market
MLS # 190022466
Property Type Townhome
In the heart of University City lies this 2 bed, 2 bath townhome. Convenient access to 52 freeway, UC San Diego, UTC Mall, Financial District, the VA, Scripps Hospitals, and beautiful La Jolla beaches. This open floor plan offers natural light, vaulted ceilings, and large patio with multiple sliding doors. Upstairs bedroom contains windows to downstairs and large upper windows to bring in the San Diego sunshine. The large walk-in closet offers plenty of space. Ideally located near the community features.