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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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3877 Pell Place 223 San Diego, CA 92130

$584,900
2 Beds
2 Baths
1,020 SqFt
Status Active
MLS # 190014498
Property Type Attached
***BEST LOCATION***and PRICE***in Carmel Valley***2BR/2BA***1020 Sq Ft**Single level**BEST VALE per Sq Ft in**Carmel Valley Today***Less Than $574. per Sq Ft in a fantastic Neighborhood**Walking distance to**Del Mar Highlands**Cinepolis**Fine Dining**Grocery Stores**This is a must see**Perfect for Families**and for an investment property**Great overall complex and community ***two parking spots***low HOA**low Mello Roos**freeway access in Minutes**Famous San Diego Beaches with out getting on the freeway**

6333 La Jolla Blvd 276 La Jolla, CA 92037

$585,000
2 Beds
2 Baths
989 SqFt
Status Active
MLS # 190020843
Property Type Attached
This is your opportunity to live the La Jolla lifestyle! Come and enjoy the relaxed atmosphere La Jolla exudes in this two bedroom Villa La Jolla corner unit. As you enter you are welcomed by an open floor plan accented by crown molding, recessed lighting and mirrors that reflect the soft, natural sunlight. The kitchen offers plenty of cabinet and counter space for all your culinary creations. The master bedroom features a large walk-in closet.

8860 Villa La Jolla Dr. 217 La Jolla, CA 92037

$585,000
2 Beds
2 Baths
1,080 SqFt
Status Active
MLS # 190020959
Property Type Attached
Resort-like living. Private and quiet 1 story corner unit with extra windows providing lots of light. Great location at end of complex with open views from the 2 balconies. Balcony has tile floor and retractable awning. A crystal rock gas fireplace warms the living room and dining room. Newly remodeled bathrooms. The kitchen has new range, microwave and refrigerator. Excellent condition, only used as a vacation home. Complex has an ideal location! Walk to UCSD & transportation. See supplement.

6333 La Jolla Blvd. 377 La Jolla, CA 92037

$595,000
2 Beds
2 Baths
989 SqFt
Status Active
MLS # 190017496
Property Type Attached
Top floor end unit facing west with sunny ocean view breezes. High vaulted beamed ceilings, clerestory windows, renovated kitchen and baths. Tub removed in master bath and spacious stall shower installed. Cabinetry, sinks, fixtures, toilets all replaced. Needs new carpeting & paint. Carport parking space #1. Two heated pools, spas, saunas, two clubhouses & exercise room. Easy level walk to Bird Rock or into the Village. On the bus line and only a short stroll to sandy Windansea Beach.

6333 La Jolla Blvd 277 La Jolla, CA 92037

$599,000
2 Beds
2 Baths
989 SqFt
Status Active
MLS # 190017268
Property Type Attached
In the heart of La Jolla, the optimal luxury lifestyle and beach community - Villa La Jolla is a secure gated complex within blocks the famous Windansea Beach, the finest local restaurants and boutique shops and surrounded by homes reaching 20 mil. This fully remodeled unit showcases completed kitchen and bath remodeling and tasteful design. New kitchen appliances, stainless steel sink, double-oven and granite counter tops. New flooring throughout. Complex features 2 pools and outdoor atrium areas.

3390 Via Alicante La Jolla, CA 92037

$599,000
2 Beds
2 Baths
1,137 SqFt
Status Active
MLS # 190021690
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!

6333 La Jolla Blvd 270 La Jolla, CA 92037

$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, faces east to the lovely La Jolla hills.Front door opens to the west, allowing fresh breezes to flow.There is not a unit across the hallway-a unique bonus!Beautifully upgraded property boasts new carpet, lovely lighting, plantation shutters, gorgeous tile in Master+Guest bathrooms.Cherished window in kitchen delivers abundant natural light+fresh air. MUST SEE to understand why this property is the STAND OUT. Move in ready, summer is almost here!

7284 Shoreline Drive 105 San Diego, CA 92122

$625,000
2 Beds
2 Baths
1,019 SqFt
Status Active
MLS # 190026310
Property Type Attached
Renaissance Capri Condo unit #105 is a rare end-unit, single level floor plan adjacent to the green belt & near the pool/spa. One car attached garage, outdoor private fenced patio area off the living room & master bedroom. In-unit laundry room, central forced air, kitchen (2008) & baths (2006) were remodeled. New dishwasher 2018. Fireplace has been closed in, but can be restored. The surroundings are park-like & quiet with easy access to the freeway & close to the local library & recreational center.

12374 Carmel Country Rd H306 San Diego, CA 92130

$628,800
2 Beds
2 Baths
1,201 SqFt
Status Active
MLS # 190026981
Property Type Attached
The Heights at Carmel Valley lifestyle is waiting. Move in to this beautiful, quiet, turnkey, top floor condominium. It’s central location is minutes from shopping, dining, a luxury cinema, parks, freeways and beaches. Everything you could want is close, including a private resort style pool with fitness center within your gated community. This bright and private condo features spacious 10’ ceilings, an open layout and is loaded with upgrades throughout. See the supplement for more features and upgrades.

8420 Via Mallorca 103 La Jolla, CA 92037

$629,000
2 Beds
2 Baths
1,017 SqFt
Status Active
MLS # OC19097604
Property Type Attached
Great first floor condo in La Jolla, very conveniently located! This east facing condo offers laminate flooring, fireplace/heater, mirrored closet doors, front loading washer and dryer, two parking spots, etc. Nice grass area in front of balcony. All furniture is for sale if buyer wants! Within a few minutes to local park and the La Jolla Village Square shopping center and just a short drive to La Jolla Shores Beach and UCSD. Easy access to I-5 and 52 freeway.

8740 Villa La Jolla Drive 18 La Jolla, CA 92037

$599,995 - $629,995
2 Beds
1.5 Baths
1,104 SqFt
Status Active
MLS # 190025921
Property Type Attached
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.

3698 Caminito Carmel Landing San Diego, CA 92130

$639,000
2 Beds
2 Baths
1,066 SqFt
Status Active
MLS # 190024474
Property Type Attached
This single story 2 Bedroom 2 Bath end unit in the desirable Groves complex is ready for a new owner. The unit is tucked away in a quiet and secluded corner of this well maintained complex which has plenty of guest parking close to the unit. The private backyard is perfect for a small garden and outside dining and tennis courts and the pool/ spa are just a short walk away. Carmel Valley has award winning schools, fine dining, great shopping and is minutes to all that North County has to offer.