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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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5370 La Jolla Boulevard 303b La Jolla, CA 92037

$650,000
2 Beds
2 Baths
1,353 SqFt
Status Contingent
MLS # OC19034585
Property Type Attached
Located in the Bird Rock area of La Jolla this large 2 bedroom condo has so much potential. This could be your opportunity to create your own space and fix up a condo just minutes from the ocean.

8740 Villa La Jolla Dr 18 La Jolla, CA 92037

$659,000 - 2Br/2Ba -  for Sale in La Jolla/utc, La Jolla
New
$659,000
2 Beds
1.5 Baths
1,104 SqFt
Status Active
MLS # 190015615
Property Type Townhome
This meticulously maintained La Jolla townhome ideally located steps from shops, restaurants & markets-just a short drive to the beach. This rarely listed south facing Woodlands North floor plan features 2 Beds,2 car garage, great natural light, spacious/sunny/open living room, upgraded open kitchen and bathrooms. Located across from Green belt, this unit also has several spacious balconies for entertaining guests, an oversized master and easy access to freeways, UCSD, Scripps facilities.

2360 Torrey Pines Road 23 La Jolla, CA 92037

$659,999
2 Beds
2 Baths
1,399 SqFt
Status Active
MLS # 190006988
Property Type Attached
This is a unique single story condo that feels like a house. Lots of windows, two bedrooms with a HUGE extra room (400 square feet). The complex features a modern Jackie O style of architecture with a beautiful pool and well maintained landscaping. Lot's of extra parking on Paseo Dorado (look for the gate). Click on the virtual tour for a great video presentation of the property!

7811 Eads Ave. 407 La Jolla, CA 92037

$690,000 - $710,000
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. Rent can be $3000+.

5370 La Jolla Blvd 203 La Jolla, CA 92037

$699,000 - $719,000
2 Beds
2 Baths
1,353 SqFt
Status Active
MLS # 190006665
Property Type Attached
Single level updated condo in Bird Rock. This newly painted and carpeted property features an open floor plan. 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. Walk to shops, restaurants and BR Elementary.

4125 Caminito Davila San Diego, CA 92122

$799,000
2 Beds
2 Baths
1,112 SqFt
Status Active
MLS # 190007453
Property Type Detached
Rarely available single story house in “Barcelona” at La Jolla Colony in excellent location. Nicely maintained and upgraded with new interior paint, garage floor epoxy, water heater, & toilets with new plumbing lines including under bath sinks. Recessed lighting, ceiling fans, vaulted ceilings, skylight, plantation shutters, & closet organizers. Beautifully landscaped. Close to UCSD, restaurants, parks, beaches, shopping, & freeway access. Minutes to anywhere in San Diego.

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.

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!

424 Stratford Ct A30 Del Mar, CA 92014

$968,500
2 Beds
2 Baths
1,278 SqFt
Status Active
MLS # 190010140
Property Type Attached
Top floor corner unit in Oceanfront complex. Light & bright with southern exposure, this ideal orientation offers ocean views from the living room, dining area and balcony. Features include hardwood floors, crown molding, spacious master bedroom, 2 balconies, ample storage and 2 assigned/secure parking spaces. Amenities include pool, spa, sauna, and picture-perfect grassy retreat on the bluff with full ocean/sunset views. Walk to beach, Torrey Pines, Del Mar Village, restaurants, shopping and more.

424 Stratford Ct B20 Del Mar, CA 92014

$949,000 - $979,000
2 Beds
2 Baths
1,278 SqFt
Status Active
MLS # 190002900
Property Type Attached
Entertaining offers between $949k-$989k. 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.

1250 Cave St 7 La Jolla, CA 92037

$989,000
2 Beds
2 Baths
1,164 SqFt
Status Active
MLS # 190012872
Property Type Attached
Welcome to La Jolla Village where everyday feels like a vacation. Enjoy living centrally located to all amenities that La Jolla has to offer. Beautiful panoramic views of the ocean, and walking distance to restaurants, shops and entertainment. You will love this 2 bedroom, 2 bathroom home at 1,164 SF with 2 balcony's, washer and dryer in unit, spacious living quarters, and plenty of natural light! This is a must see, don't miss out on this great opportunity!

410 Pearl 3d La Jolla, CA 92037

$999,000
2 Beds
2 Baths
1,139 SqFt
Status Active
MLS # 190013550
Property Type Attached
Ocean View Penthouse Corner 2-BR, 2-BA Unit just feet away from La Jolla Sandy Beach and easy walk to the Village shopping, Museum, Music Center, Theater, Boutique Shops, Art Galleries, Restaurants, The Cove, The Children's Pool, Wild Seals, Surfing and Village-Beach Life. Its all hear in La Jolla and MOVE-IN Ready.