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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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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!

5430 La Jolla Blvd C203 La Jolla, CA 92037

$1,725,000 - 2Br/2Ba -  for Sale in Lower Bird Rock, La Jolla
New
$1,725,000
2 Beds
2 Baths
2,163 SqFt
Status Active
MLS # 190002934
Property Type Attached
Enjoy the best of Seahaus with this prime corner unit boasting jaw-dropping panoramic 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!

333 Coast Blvd. #9 La Jolla, CA 92037

$1,795,000 - 2Br/2Ba -  for Sale in Village Of La Jolla, La Jolla
New
$1,795,000
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 8g La Jolla, CA 92037

$1,950,000 - 2Br/2Ba -  for Sale in Village, La Jolla
New
$1,950,000
2 Beds
2 Baths
2,272 SqFt
Status Active
MLS # 190002735
Property Type Attached
365 sunsets a year! Breathtaking, unobstructed expansive ocean views from this spacious unit in highly sophisticated & coveted building located in the heart of the village of La Jolla. Enjoy all the amenities of luxury living with concierge services. Updated kitchen & bathrooms, built-in cabinetry. Pantry, laundry room in unit, walk-in closets. Common areas have been tastefully updated and include sitting area, library, gym & pool with 24 hour doorman. Parking in preferred East garage. Laundry in unit.

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.

7570 Caminito Avola La Jolla, CA 92037

$1,995,000 - 2Br/2Ba -  for Sale in Colony Hill, La Jolla
Open House
$1,995,000
2 Beds
2 Baths
1,920 SqFt
Status Active
MLS # 180067540
Property Type Detached
A BEAUTIFUL HOME WITH AMAZING DAY-AND-NIGHT OCEAN AND NORTH SHORE VIEWS! Instantly appealing, it has a spacious great room with a terrific cook's kitchen. Luxuriate on the large wrap-around deck, perfect for entertaining. There are custom, distressed-hardwood floors, top of the line fixtures and appliances, custom stonework, wood-clad picture windows and more. PANORAMIC VIEWS. Please see supplement.

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.

245 Prospect 3 La Jolla, CA 92037

$2,280,000
2 Beds
2 Baths
1,271 SqFt
Status Active
MLS # 180022944
Property Type Attached
Very rare penthouse with sweeping ocean views and secure elevator delivery to the living space. New windows, roof and air conditioning units. Enjoy close access to world famous beaches, restaurants, entertainment, water sports, pilates, gym's, golf, tennis, boutiques, and services of most every type. Find live performances at the Improve, La Jolla Play House or the Contemporary Art Museum. The village now includes The Lot movie theater. La Jolla is the jewel of California and living paradise...

939 Coast Blvd 14a La Jolla, CA 92037

$3,550,000
2 Beds
2 Baths
2,680 SqFt
Status Active
MLS # 180067761
Property Type Attached
Rare offering of an expanded 2,860 square foot corner premier “A” unit, high enough for every window to present a breath-taking, unobstructed, panoramic oceanfront view -- north, south, and west! Remodeled in 2000, this unique unit has a gigantic great room and features spectacular wood floors, stone tiles, custom lighting and cabinetry, and mirror accents. The kitchen has granite counters, faux painted cabinets, and stainless appliances. Priced at October 2017 estate appraisal value. See supp remarks

207 13th Street Del Mar, CA 92014

$3,495,000 - $3,600,000
2 Beds
1.5 Baths
1,640 SqFt
Status Active
MLS # 180065912
Property Type Detached
Live in or Builder delight, With seller financing option! This amazing property has Ocean views and is located in one of the hottest areas in the Village of Del Mar. Home is on an elevated, fully fenced corner lot with amazing Views. Currently there is a classic beach cottage with 2 bedrooms and 2 ba, western facing, that is a livable home, but being sold in as is condition. The buyer will need to verify what can be built. We believe that you can build a New Dream Home or 2 units.