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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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9293 Regents Rd. C 102 La Jolla, CA 92037

$699,800 - 2Br/2Ba -  for Sale in Utc, La Jolla
Open House
$699,800
2 Beds
2 Baths
1,128 SqFt
Status Active
MLS # 180066831
Property Type Attached
Freshly Painted Ceilings! Don't miss this beautiful corner unit with huge private patio on Regents La Jolla. 2 Bedroom 2 Bath, with optional 3rd bedroom, hard wood flooring throughout, plantation shutters, granite counter tops in kitchen and bathrooms, Master bedroom has large walk in closet, side by side parking spaces in the underground garage. Short walk to restaurants, shopping, bus line, UCSD and Scripps. Complex has full gym, game room, movie theater, business office, BBQ's at the pool & more

7811 Eads Ave. 407 La Jolla, CA 92037

$700,000 - $725,000
2 Beds
2 Baths
1,101 SqFt
Status Active
MLS # 180053455
Property Type Attached
Tastefully remodeled, turn-key home in the center of the village. Steps to fine dining, shopping, and Museum of Contemporary Art. 1.5 blocks to the beach. Walk to post office, banks and grocery stores from this perfect location. Gorgeous hardwood floors, granite countertops, and stainless steel appliances. Plantation shutters, custom built-in office, and Tivoli travertine in bathrooms. Open floorplan with peek ocean view from guest bedroom. In-unit Bosch laundry machines.

5370 La Jolla Blvd 203 La Jolla, CA 92037

$769,000
2 Beds
2 Baths
1,353 SqFt
Status Active
MLS # 180063607
Property Type Attached
Wow! This condo offers so much! Open efficient floor plan with balcony. Updated kitchen features a wine fridge, prep sink, stainless steel appliances and eat at bar. Formal dining room area. Bamboo floors in main living area. The generously sized master suite has 3 large closets (one has the in unit washer/dryer). Unit has dual pane windows/sliding door, abundant closet space, a storage unit, 2 tandem gated parking spaces in community garage with bicycle parking.

7550 Eads Avenue 101 La Jolla, CA 92037

$799,000
2 Beds
2 Baths
1,351 SqFt
Status Active
MLS # 180065128
Property Type Attached
Wonderful location in the heart La Jolla Village! Fabulous restaurants, beaches and shopping just minutes out your door! This spacious unit has been freshly painted throughout and offers kitchen, bath and flooring updates to include cabinetry, granite and more! This single story condo is conveniently located on the first floor of the building which makes easy access with groceries, pets, etc… 2 parking spaces included. Clinton Manor is a wonderfully maintained building on a nice street in the Village.

7550 Eads Ave 403 La Jolla, CA 92037

$795,000 - $825,000
2 Beds
2 Baths
1,356 SqFt
Status Active
MLS # 180064224
Property Type Attached
Very spacious 2 bedroom, 2 bath condo in a wonderful location, close to everything La Jolla has to offer. Condo has new carpet, very spacious rooms, with lots of closet space. Ocean views can be enjoyed from balcony. Living room has high ceilings with clerestory windows, fireplace and balcony with ocean views. Very spacious dining room that can be used as a family room. Both bedrooms have a walk in closet and an additional closet. In suite laundry and coat closet are also included. 2 parking spaces.

410 Pearl Street 2c La Jolla, CA 92037

$917,000
2 Beds
2 Baths
1,088 SqFt
Status Active
MLS # 180055927
Property Type Attached
PRICE REDUCTION! MOTIVATED SELLER!Fabulous Village/Beach location! Walk to the beach and walk to La Jolla Village restaurants and shops! Chiara is an exclusive gated building with 12 sophisticated units. There is gated underground parking and extra storage for each unit in the garage. This two bedroom/two bath residence is located on a sun filled corner on the second floor. There is key activated elevator access and a homey hallway filled with art work. The home features wood floors...SEE SUPPLEMENT...

7811 Eads Ave 411 La Jolla, CA 92037

$949,000
2 Beds
2 Baths
1,158 SqFt
Status Active
MLS # 180053199
Property Type Attached
Ocean View! Just Steps from the Pacific Ocean! Devonshire La Jolla - Mid Century Beauty, is located in the Heart of Beautiful La Jolla Village. Just Steps from Children's Pool and La Jolla Cove, Fine Dining, Galleries, Boutiques, Movie Theater (The Lot) and Coming Soon Conrad Prebys Performing Arts Center. This Home Includes Large Living Room, Two Bedrooms, Two Bathrooms, One Parking Space in Underground Gated Garage. Welcome Home!

1236 Cave St 2b La Jolla, CA 92037

$988,888
2 Beds
2 Baths
1,345 SqFt
Status Active
MLS # 180050986
Property Type Attached
The perfect La Jolla Village location pied-à-terre with open floor plan, ensuite bedrooms, hardwood floors, built-ins, in-unit laundry and private lanai.

424 Stratford Ct B20 Del Mar, CA 92014

$989,000 - 2Br/2Ba -  for Sale in Bluff Top Condo, Del Mar
New
$989,000
2 Beds
2 Baths
1,278 SqFt
Status Active
MLS # 190002900
Property Type Attached
Completely remodeled and upgraded! Every inch of this beautiful condo has been upgraded with premium materials. From the Esmer tiles, Kholer finishes including tub and fixtures, led lights through out, new floors, all new cabinetry and counter tops in kitchen and bathrooms. There is just too much to list. MUST SEE! Second floor corner unit with Ocean views from side windows. Peaceful location with 2 balconies with pool view. ALL furniture is for sale as package.

279 Sea Forest Court Del Mar, CA 92014

$990,000
2 Beds
2 Baths
1,232 SqFt
Status Active
MLS # 180065100
Property Type Attached
Incredible Ocean Views, Single Story Del Mar Condo in ocean front Del Mar Woods. Brand new community feel with new exterior siding, decks, plumbing & drains. New kitchen cabinets, granite & SS appliances. Spacious dining & family rooms flow out to a large entertaining deck to enjoy wonderful ocean views & sunsets. Beautifully remodeled bathrooms w/ natural stone, Jetted tub with glass enclosure, designer sinks & hardware. TV's mounted in Family Room & bedrooms, & lots of recessed lighting. See supplement:

1551 Olivet Lane La Jolla, CA 92037

$999,000
2 Beds
2 Baths
1,008 SqFt
Status Active
MLS # 190001443
Property Type Detached
Super cool, unique canyon setting with some ocean view! Endless possibilities in this secluded and tranquil site surrounded by multi-million dollar homes. Wonderfully located within walking distance to La Jolla Cove, boutique shops, galleries, fine dining and casual eateries. The interior has been taken down to the studs. Two sets of plans are available, both have expired. Great development opportunity at a great price! Bring your buyers, investors, builders and ideas!!

909 Coast Blvd 2 La Jolla, CA 92037

$975,000 - $1,025,000
2 Beds
2 Baths
1,215 SqFt
Status Active
MLS # 180060087
Property Type Attached
It doesn't get much better than an ocean front home in the village with ocean views! Walking distance to the Village shops, restaurants, the rec center, beaches, the children's pool, snorkeling, fishing and more! This centrally located, single level, upgraded condo is your opportunity to enjoy all that Village life has to offer! The open floor plan offers ocean views, an abundance of natural light and wonderful ocean breezes. See Supplement for all the features of 909 Coast Blvd #2!!