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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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5366 La Jolla Blvd 301c La Jolla, CA 92037

$1,395,000
2 Beds
2 Baths
1,435 SqFt
Status Active
MLS # 190007490
Property Type Attached
Exquisite top floor retreat with sweeping ocean, seascape and sunset views. Beautifully remodeled down to finest details for comfort and ambiance – crystal chandeliers, interior columns in living room, crown molding to compliment high ceiling. Recline in front of your living room fireplace & observe the sunset from your seat! Updated kitchen, high-end bathroom lighting, customized laundry room with Miele w/d, 2 underground parking spaces. You & Guests: sit, sip, enjoy being dazzled by 180* panoramic View!

220 Coast Boulevard 1b La Jolla, CA 92037

$1,475,000
2 Beds
2 Baths
1,194 SqFt
Status Active
MLS # 190001042
Property Type Attached
Enjoy life at the beach! This oceanfront building has a dreamy location with immediate access to the surf and sand. Single-level, it is beautifully remodeled and move-in ready. The open floor plan lends to view enjoyment from several rooms. Light, airy, and inviting, this lock-and-leave home shines bright as does the glistening ocean blue. There is a large common courtyard area overlooking amazing ocean views. Literally, step from the property and onto the beach!

1001 Genter Street 8d La Jolla, CA 92037

$1,595,000
2 Beds
2 Baths
1,941 SqFt
Status Active
MLS # 180059038
Property Type Attached
Here is the opportunity you have been waiting for in the village of La Jolla: a single level, 2BR/2BA with phenomenal, unobstructable ocean, golf course & evening lights views! Located on the preferred north side of the building very close to the elevator, this particular condominium conveniently has one of the closest parking spaces to the lobby. In original condition and with the old flooring removed, this D unit at the Seville is primed for the customization and upgrades of its new owner.

5430 La Jolla Blvd C202 La Jolla, CA 92037

$1,649,000
2 Beds
2 Baths
1,827 SqFt
Status Active
MLS # 190006050
Property Type Attached
Refreshingly light & bright Breakers unit at Seahaus in La Jolla! This gorgeous single level condo has floor to ceiling windows, a balcony, an island kitchen & an open concept with panoramic ocean views! There are 2 large bedrooms, laundry & a flexible space that could be a bedroom, office or family room. With updated flooring, kitchen & living areas, it has a clean coastal contemporary style from which all of Seahaus's amenities ie pool & gym, not to mention the charms of Bird Rock, can be enjoyed.

5733 Beaumont Avenue La Jolla, CA 92037

$1,650,000 - 2Br/2Ba -  for Sale in Bird Rock, La Jolla
Open House
$1,595,000 - $1,650,000
2 Beds
2 Baths
1,512 SqFt
Status Active
MLS # 190005001
Property Type Detached
Awesome La Jolla Home. Offered at $1,595,000 to $1,650,000. Located blocks from the beach and walking distance to Birdrock restaurants and activities. This is the first time on the market in many years, come and see this beauty. This home sets high on the street and gets cool ocean breezes and views. This bright orientation and windows provide natural light, while its floor plan & vaulted ceilings make it open and airy.

100 Coast Blvd 305 La Jolla, CA 92037

$1,650,000
2 Beds
2 Baths
1,439 SqFt
Status Active
MLS # 190008887
Property Type Attached
Breathtaking contemporary condo located in the beautiful, ocean front 100 Coast building. Enjoy the sweet sounds of surf and fantastic whitewater views from this turn-key immaculate residence in walk to all Village location. Completely renovated in 2009. Convenient access to picturesque sandy beach, community pool, secure underground parking with fine shops and restaurants nearby.

5430 La Jolla Blvd C203 La Jolla, CA 92037

$1,695,000
2 Beds
2 Baths
2,163 SqFt
Status Active
MLS # 190002934
Property Type Attached
Experience the best of Seahaus from this prime corner unit that boasts breathtaking ocean views up & down the coast! This turnkey Bird Rock beach condo features an open concept layout that seamlessly combines the eat-in chef’s kitchen with large kitchen island, Viking appliances & granite countertops; the adjoining dining area with sit-down ocean views & balcony access; the large living room with fireplace; and the adjacent office/den with its very own private stairwell down to the complex amenities!

100 Coast Blvd 204 La Jolla, CA 92037

$1,725,000
2 Beds
2 Baths
1,481 SqFt
Status Active
MLS # 180053710
Property Type Attached
Enjoy the ultimate lock-and-leave condo lifestyle from this pristine unit in La Jolla's iconic 100 Coast gated complex that boasts an unbeatable oceanfront location in the heart of the village with direct beach access and walkability to shops & restaurants! Conveniently situated on the ground level, the light & bright unit features sit-down ocean views from the living & dining rooms, walk-out access to the complex pool & spa, limestone floors, surround sound media, & state-of-the-art fixtures throughout!

333 Coast Blvd. 9 La Jolla, CA 92037

$1,790,000 - 2Br/2Ba -  for Sale in Village Of La Jolla, La Jolla
Open House
$1,690,000 - $1,790,000
2 Beds
2 Baths
1,348 SqFt
Status Active
MLS # 190002989
Property Type Attached
Seaside living on Coast Blvd. Rarely available & highly desirable COMPLETELY redone 2BR/2BA unit located across the street from the beach. Features include large wraparound deck w/ panoramic white-water ocean views off LR. Custom mirrored walls, marble tile flooring throughout, kitchen w/new Bosch stainless steel appliances & custom cabinetry. Master suite w/large walk-in closet & balcony. Single-level 3rd floor unit w/fireplace, washer/dryer, electric blinds, ceiling fans, A/C & 2 secure parking spaces.

1001 Genter St 10c La Jolla, CA 92037

$1,795,000
2 Beds
2 Baths
2,094 SqFt
Status Active
MLS # 190010667
Property Type Attached
This is the coveted floor-plan on the 10th floor of one of La Jolla's most desirable buildings, The Seville. Complete with panoramic ocean views along with views of the Village and golf course. The Seville offers a lifestyle of comfort and class by providing 24 hour doorman, concierge, on-site management, exercise facilities, pool and secured gated parking. Enjoy the convenience of a short walk to farmer's market, local dining, shopping, movies at The Lot and all that La Jolla has to offer.

1925 Balboa Ave Del Mar, CA 92014

$1,995,000
2 Beds
2 Baths
946 SqFt
Status Active
MLS # 180045706
Property Type Detached
Located on one of the most desirable streets to live in Del Mar, this spectacular property on a quarter of an acre is perched high up on a hill with expansive views of the ocean and the town below. A special property with an ideal location like this one doesn’t come around often -- on a quiet street, only minutes to Old Del Mar and the ocean. This is a unique opportunity to build the house of your dreams in Del Mar. Can be sold with 422 Culebra to make a .93 acre lot. See MLS #180066441.

2120 Vallecitos 104 La Jolla, CA 92037

$2,150,000
2 Beds
2 Baths
1,245 SqFt
Status Active
MLS # 180051049
Property Type Attached
Spectacular oceanfront condo in La Jolla Shores. Modern, 1-story, light and bright. Fully furnished ground floor end unit opens directly to Kellogg's Park, that continues to miles of white beach line. This unit has gourmet kitchen, air conditioning, inside laundry, tile flooring, Jacuzzi tub in master bathroom, recessed lighting and much more. A large patio overlooking the ocean makes entertaining in this lovely unit memorable. Stroll to restaurants, shops and market.