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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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6455 La Jolla Blvd. 143 La Jolla, CA 92037

$560,000
2 Beds
2 Baths
989 SqFt
Status Active
MLS # 190001478
Property Type Attached
Quiet & pristine Villa La Jolla end unit facing the hills on the east side of the complex.Elevated first floor unit one story above ground level. Beautiful Brazilian cherry-wood floors, new faucets and fixtures, security screen entry, extra wide balcony, immaculate condition. Two pools, spas, saunas, clubhouses, 5 laundry rooms & trash chutes. Two block stroll to sandy Windansea Beach. On bus line too. Easy flat walk into the Village or to Bird Rock for all the fine shops & restaurants.

9517 High Park Ln. San Diego, CA 92129

$574,900
2 Beds
2 Baths
1,109 SqFt
Status Active
MLS # 180060150
Property Type Twinhome
Beautifully updated Twin home in the desirable Feather Ridge community of Rancho Penasquitos. Best rated schools in San Diego County and excellent Location, near police & fire departments, Shopping centers and Highways 15 & 56. Minutes away from the Coast, Mountains, Downtown and all that San Diego has to offer. Backyard patio offers beautiful views of the San Diego scenery…ideal for barbeques, morning coffee, etc. Seller is very motivated.

8460 Via Mallorca 237 La Jolla, CA 92037

$599,900
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.

8585 Via Mallorca 11 La Jolla, CA 92037

$610,000
2 Beds
2 Baths
1,141 SqFt
Status Active
MLS # 180048882
Property Type Attached
Rare, beautiful 2b2ba unit. with private patio facing picturesque Waterfalls. Sights and Sounds of Falling Water! New wood laminate floors-no carpeting! New Paint. Walk to Shopping Heaven! two car garage below.

8585 Via Mallorca 235 La Jolla, CA 92037

$585,000 - $610,000
2 Beds
2 Baths
1,141 SqFt
Status Active
MLS # 180067089
Property Type Attached
Clean 2br 2bath 2car garage condo located close to all. Home features a fireplace in the living room, hardwood floors, laminate floors in the master bedroom. Nice serene patio overlooking complex water-way. This unit is located in the front of the complex for easy access. A must see!

3261 Caminito Ameca San Diego, CA 92037

$625,000
2 Beds
2 Baths
984 SqFt
Status Active
MLS # 180068274
Property Type Attached
Very desirable and rare Single Level end unit Southpointe home in La Jolla with nobody above or below. Plantation shutters, hardwood floors, crown molding, California closets, large patio with trellis, two car garage is ready for you to make it your own. Three heated pools, you are ideally located across from Villa La Jolla Park, walking distance to La Jolla Village Square’s shops & restaurants, and a short distance to UCSD, freeways, Torrey Pines Golf Course and beautiful La Jolla beaches.

12372 Carmel Country Rd 109 San Diego, CA 92130

$639,900
2 Beds
2 Baths
1,184 SqFt
Status Active
MLS # 180066885
Property Type Attached
Remarkable first floor single story condo located in the heart of Carmel Valley. New flooring, stone counters in kitchen and bathrooms, large vanity master bath with beautiful high ceilings throughout. Unique building that backs up to a greenbelt filled with tall trees and fields of grass. Walking distance to Del Mar Heights Shopping Plaza, Elemantary, Middle and High Schools and so much more! This unit features an attached 1 car garage plus a designated parking spot. Great for Investment buyer

8427 Via Mallorca 118 La Jolla, CA 92037

$647,900
2 Beds
1.5 Baths
1,074 SqFt
Status Active
MLS # 190001624
Property Type Townhome
Excellent Location! Great view from most windows; end unit 2-bedroom condo with 3 balconies, very private, attached garage, washer/dryer, pool, tennis court, etc. Very cozy with lots of privacy. Walk to UCSD, La Jolla Village shopping centers, grocery stores (Ralphs,Traders Joe, Whole Food Market), w farmer market, FedEx, post office, banks, restaurants, movie theater, public transportation, clinics, dentists, and almost whatever you need. Close to I-5. Excellent schools. Minutes to La Jolla Shore & Cove.

12229 Carmel Vista Rd 252 San Diego, CA 92130

$649,999 - 2Br/2Ba -  for Sale in The Lakes, San Diego
Open House
New
$649,999
2 Beds
2 Baths
1,269 SqFt
Status Active
MLS # 190003169
Property Type Attached
Are you downsizing from a luxury home? This listing has the feel of a luxury estate in a condominium! This 2 bedroom, 2 bathroom condo includes a spacious loft that can be used as as additional bedroom, sitting area, game room, home office, etc. In recent remodel the following has been done; Beautiful wood beams, knotty alder solid core doors, lighting fixtures, additional closet added, all closets switched to mirrored doors, (continued in supplement section)

3390 Via Alicante La Jolla, CA 92037

$650,000
2 Beds
2 Baths
1,137 SqFt
Status Active
MLS # 180059294
Property Type Attached
Desirable end-unit located in the Woodlands community with a peaceful garden-like area, gazebo and pond view. Featuring vaulted ceilings, fire place and 2 large decks, as well as 2 bedrooms, 2 baths, plus a private den/work area on the upper level and laundry in the garage. Conveniently located near UCSD, UTC Mall, restaurants, and La Jolla Shores Beach. Don't miss out, this will go fast!

3109 Evening Way D La Jolla, CA 92037

$652,500
2 Beds
2 Baths
1,241 SqFt
Status Active
MLS # 190000609
Property Type Attached
Rare end-unit townhome with 2 car garage. Bright and airy single level home has a great floor plan with access to a private patio. Enjoy this open & light Townhome with newer carpet and remodeled baths. Inside laundry room. Newer SS Appliances. Closest condo complex to UCSD. Walk to La Jolla shopping and restaurants….Whole Foods, Trader Joe's, etc. Ideally located near UTC Mall, La Jolla beaches & easy access to freeways! Home currently has tenants (young family) who would like to stay until September.

4155 Executive Dr E210 La Jolla, CA 92037

$665,000
2 Beds
2 Baths
1,102 SqFt
Status Active
MLS # 180051995
Property Type Attached
Beautiful fully furnished condo in a prized location. 2 master suites with own bathroom. Granite counters, recessed lights, plantation shutters. Patio faces courtyard and near the swimming pool. Awesome amenities! Take cooking classes in the gourmet kitchen. Two pools, spas, cabanas, gyms, dance/yoga studios. Biz Center, Reception hall, sports room, private theater. Near Jacobs Community Center, Marriott Hotel, Regents Medical Plaza; between Whole Foods Market & Westfield-UTC mall, shops and restaurants.