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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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457 Coast Blvd 203 La Jolla, CA 92037

$1,175,000
2 Beds
2 Baths
852 SqFt
Status Active
MLS # 190029918
Property Type Attached
Gorgeous Pied a Terre with exclusive patio boasting a spa, bbq, and outdoor shower! Great space to unwide after a day at the beach! Walking distance to Prospect Ave hosting five-star restaurants, world class shopping, legendary La Valencia Hotel, theatres, museums and galleries. The quaint village of La Jolla offers endless options for your enjoyment. Perfect for the outdoor activity enthusiast, close to Scripps Park, La Jolla Cove, 7 unique beaches, and some of the world's most picturesque coastlines.

2130 Vallecitos 244 La Jolla, CA 92037

$1,249,000 - $1,289,000
2 Beds
2 Baths
1,519 SqFt
Status Active
MLS # 190029574
Property Type Attached
VR $1,249,000-$1,289,000. Amazing location across the street from Kellogg Park & La Jolla Shores beach. Rare 2 parking spaces! Remodel completed just over 1 year ago! Modern kitchen with stainless steel appliances and tile backsplash with granite countertops. 2 bed plus a den converted to optional 3rd bedroom with closet. Rare 2 parking spaces PLUS extra storage unit in the garage! Home is offered fully furnished at no additional charge! W/D in unit plus plus Pool/Spa, Tennis Courts Gym. Rec Room, BBQs.

5366 La Jolla Blvd 301c La Jolla, CA 92037

$1,295,000
2 Beds
2 Baths
1,435 SqFt
Status Active
MLS # 190029376
Property Type Attached
Priced as a value range; seller will entertain offers between $1,295,000 - $1,349,000. Exquisite top floor retreat w/sweeping ocean, seascape & sunset views. Beautifully remodeled to finest details for comfort and ambiance: crystal chandeliers, interior columns in living room, crown molding to compliment high ceiling. Updated kitchen & bathroom lighting, Miele w/d in unit, 2 parking spaces. You & Guests: Recline in front of your fireplace... sit, sip, enjoy being dazzled by 180-degree panoramic View!

5450 La Jolla Blvd. D102 La Jolla, CA 92037

$1,330,000
2 Beds
2 Baths
1,827 SqFt
Status Active
MLS # 190031121
Property Type Attached
Ground floor, 1 story “Breakers” model on the ocean/quiet side of the SeaHaus complex. Large 2 bdrm +3rd room/office/den. Separate laundry room, wood floors, high ceilings & plantation shutters throughout. 2 side-by-side parking spaces & large storage space in security garage. Pool, spa, gym, BBQ amenities available in Birdrock’s most desired complex. Steps to the ocean, Calumet park, shops & restaurants all nearby. Private patio & small grassy yard overlooks pool area and the ocean in the background.

220 Coast Blvd. 1b La Jolla, CA 92037

$1,395,000
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!

8110 El Paseo Grande 301 La Jolla, CA 92037

$1,395,000
2 Beds
2 Baths
1,523 SqFt
Status Active
MLS # 190020076
Property Type Attached
FABULOUS LA JOLLA SHORES BEACH RESIDENCE! Exceptional Clubdominium corner 3rd floor residence enjoys whitewater, LJ Cove, and hillside views through expansive windows. Brightly sunlit all day with a fresh palette turn-key ready for your style. Great Shores location for enjoying the beach and close to shops and restaurants, in-unit laundry, underground parking, and superb amenities.

8040 Girard Ave 7 La Jolla, CA 92037

$1,450,000
2 Beds
2 Baths
1,058 SqFt
Status Active
MLS # 190026932
Property Type Attached
These units are incredibly rare to come up for sale! Stunning views of the Pacific Ocean and La Jolla Cove. Enjoy all that La Jolla has to offer, all just a few short steps outside of your front door. Unit has a beautiful open floor plan and takes advantage of the views in every room.

8040 Girard Avenue 7 La Jolla, CA 92037

$1,450,000
2 Beds
2 Baths
1,058 SqFt
Status Active
MLS # 19463610
Property Type Attached
These units are incredibly rare to come up for sale! Stunning views of the Pacific ocean and La Jolla cove. Enjoy all that La Jolla has to offer all just a few short steps outside of your front door. Unit has a beautiful open floor plan and takes advantage of the views in every room.

1001 Genter Street 8d La Jolla, CA 92037

$1,495,000
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

$1,499,000
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.

5829 La Jolla Hermosa Ave La Jolla, CA 92037

$1,550,000 - 2Br/2Ba -  for Sale in Bird Rock, La Jolla
Open House
$1,550,000
2 Beds
2 Baths
1,587 SqFt
Status Active
MLS # 190031598
Property Type Detached
FIRST TIME ON MARKET! Quaint Cape Cod bungalow on picturesque street in Upper Hermosa exudes charm and nostalgia. Features ocean views from kitchen and master, two fireplaces, white bead board on walls and ceilings, and large patio deck for entertaining. Easy expansion or redesign for your growing family! Walk or bike to schools, chic Bird Rock shops & food establishments, beach, cove, and neighborhood holiday festivities.

1001 Genter Street 6h La Jolla, CA 92037

$1,599,000
2 Beds
2 Baths
2,061 SqFt
Status Active
MLS # 190030040
Property Type Attached
High-rise living with spectacular 180° panoramic ocean view to the west and golf course view to the east. Soak up sun with sliding glass doors thrown open; watch sunset and enjoy twilight ocean views through floor-to-ceiling windows that run the length of every room; enjoy lush amenities, pool & the safety of 24 hr attendant. Live at The Seville in the Village of La Jolla: walk to chic restaurants, shops, museums, beach, La Jolla Cove and the caves – all the best that La Jolla has to offer!