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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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8850 Villa La Jolla Dr 307 San Diego, CA 92037

$560,000
2 Beds
2 Baths
1,080 SqFt
Status Active
MLS # 190015544
Property Type Attached
Quiet, one-level end-unit 2BR/2BA Boardwalk condo! Offers large rooms, treetop views, interior laundry, balconies off the living room and master bedroom and a cozy fireplace! Literally a 2-minute walk to UCSD! Walk to trolley, shopping, grocery, dining, and movies! Great for anyone, including students, seniors, investors!

6333 La Jolla Blvd 167 La Jolla, CA 92037

$579,000
2 Beds
2 Baths
989 SqFt
Status Active
MLS # 190013401
Property Type Attached
Extra sharp first floor end unit in really quiet corner of Building #4 at Villa La Jolla. Unit faces west overlooking the courtyard garden & bubbling fountain. Beautifully remodeled kitchen with new granite counters, refaced cabinetry, new fixtures, stainless appliances, self-cleaning oven & built-in microwave. Renovated bathrooms, new cabinetry, toilets, fixtures and rain showers. Nearby carport parking space # 34. Two heated pools, spas, saunas, clubhouse & five laundry rooms. On bus line too.

7642 Palmilla Drive 121 San Diego, CA 92122

$589,000
2 Beds
2 Baths
1,004 SqFt
Status Active
MLS # 190010730
Property Type Attached
Light & bright upper level end unit in good southwest facing location at Marbella complex in La Jolla Colony. One of few similar units with A/C. Retextured vaulted ceilings, beautiful new front door, stainless appliances, ceiling fans, and updated window treatments & lighting. Newer heater, A/C, & water heater. Closet organizers & walk in closet. Full size washer/dryer in unit. Close to UCSD, restaurants, parks, canyon, beaches, shopping, freeway & soon to be trolley access.

3542 Seahorn Cir San Diego, CA 92130

$599,000
2 Beds
2 Baths
1,097 SqFt
Status Active
MLS # 190012190
Property Type Attached
Beautiful 2 bed/2 bath, 1097 sq ft. condo in the highly desired East Bluff Del Mar Highlands complex! Come home to a bright & open living space & dining area that expands onto the covered patio through large sliding doors. This private corner unit features lots of big windows, a gorgeous kitchen with stainless steel appliances & white cabinets, recessed lighting & ceiling fans throughout, & in-unit washer/dryer. 2 car garage attached & greenbelt views from the patio. Blocks from the new One Paseo!!

3877 Pell Place 223 San Diego, CA 92130

$599,000
2 Beds
2 Baths
1,020 SqFt
Status Active
MLS # 190014498
Property Type Attached
BEST LOCATION IN CARMEL VALLEY!! Walking distance to Del Mar Highlands Town Center, close proximity to world famous San Diego beaches, exceptional school districts and many more. This spacious two bedroom two bathroom condo offers upgraded features such as: indoor samsung laundry with steam, Kitchen-aid appliances, crown molding, built in bar, and recess lighting. Access to putting green, dog run, private gym, outdoor BBQs and Carmel Valley Community pool.

6333 La Jolla Blvd 270 La Jolla, CA 92037

$600,000 - 2Br/2Ba -  for Sale in East Windansea, La Jolla
New
$600,000
2 Beds
2 Baths
989 SqFt
Status Active
MLS # 190015731
Property Type Attached
Highly sought after Villa La Jolla End Unit! Ideal location, facing east to the lovely hills of La Jolla. Front door opens to the west, no units across the hallway is a bonus! Beautifully upgraded property boasts new carpet, lovely lighting, plantation shutters, gorgeous tile work in both the Master + Guest bathrooms. Cherished window in the kitchen allows for delightful breezes + abundant natural light. A standout, must see, unit in the complex!

3887 Pell Place 114 San Diego, CA 92130

$614,900
2 Beds
2 Baths
1,052 SqFt
Status Active
MLS # 190008444
Property Type Attached
Ground level, larger floor plan with two bedrooms located on opposite sides of the home for privacy! Corner, end unit that affords two huge patios, one off master, one off living room, backing to the pedestrian path. Convenient access, close to the entrance, elevator to secure parking garage with two side by side spaces, #90 and #91. New custom hardwood flooring, new windows, new microwave, stainless steel appliances and granite countertops!

6333 La Jolla Blvd 277 La Jolla, CA 92037

$585,000 - $615,000
2 Beds
2 Baths
989 SqFt
Status Active
MLS # 190010992
Property Type Attached
Situated in the heart of San Diego's most desirable luxury lifestyle and beach community - Villa La Jolla is a secure gated complex within minutes to all of the outdoor activities La Jolla has to offer. Steps from Windansea beach and some of the finest local restaurants and boutique shops in La Jolla Village only minutes away. This fully remodeled unit showcases pride of ownership, and tasteful design. Kitchen appliances, stainless steel sink, double-oven and granite counter tops. New flooring throughout

6250 Caminito Araya San Diego, CA 92122

$619,900
2 Beds
2 Baths
1,366 SqFt
Status Active
MLS # 190009901
Property Type Attached
Spacious 2bd 2ba UC townhouse. High end remodeled master & guest bath incl:quartz counters, custom tiled niches, seat in master shower, second sink to master, pocket door & ceiling heater/fans. Smart designed floor plan w/feel of detached home. Double pane windows & sliding glass doors, interior & exterior light fixtures, window coverings throughout & black out shades in Master bedroom, staircase & Bannister & electric panel. HOA amenities incl: pool, spa & exercise room. Located in The Golden Triangle.

8840 Villa La Jolla 102 La Jolla, CA 92037

$595,000 - $625,000
2 Beds
2 Baths
1,243 SqFt
Status Active
MLS # 190011425
Property Type Attached
This wonderful condo is located in the highly desirable community of the Boardwalk. Offering 2BR/2BA and over 1,240 square feet. Open and spacious living room with wood burning fireplace. Kitchen with breakfast nook. Laundry in unit. Nice balcony. There are 2 assigned parking spots located in a gated underground parking lot plus storage. Centrally located to UCSD, shopping, restaurants, freeways and theater. Community amenities include: large pool, spa, tennis courts, and clubhouse. Minutes to beaches

3109 Evening Way D La Jolla, CA 92037

$599,000 - $629,000
2 Beds
2 Baths
1,241 SqFt
Status Active
MLS # 190000609
Property Type Attached
Corner end-unit townhome with no one on right side. TWO 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), immaculate.

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!