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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

$1,689,000
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!

5480 La Jolla Blvd. J302 La Jolla, CA 92037

$1,699,000
2 Beds
2 Baths
1,816 SqFt
Status Active
MLS # 190019430
Property Type Attached
Arguably the best OCEAN and WHITEWATER views in Seahaus! This beautiful, light-filled PENTHOUSE, provides sit-down ocean views from living room, dining room, kitchen and private deck. Boasting a welcoming great room, vaulted ceilings, stone flooring, high-end Viking appliances, fireplace, closet organizers and private laundry room. The amazing, panoramic views to include Point Loma, Coronado Islands, whitewater and of course the beautiful sunsets. Just steps to the Ocean, Calumet Park & Birdrock!

1001 Genter St 10c La Jolla, CA 92037

$1,720,000
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.

5460 La Jolla Blvd G203 La Jolla, CA 92037

$1,795,000
2 Beds
2 Baths
2,160 SqFt
Status Active
MLS # 190026277
Property Type Attached
Stunning ocean view luxury residence. Largest of the coveted Seahaus Breakers models - Zero stair layout with floor to ceiling windows & sit down white water views. Open concept Viking Pro kitchen perfect for entertaining. Enjoy sea breezes on your spacious private balcony. Exquisite master suite, walk-in closet, large laundry room, custom bar, office/3rd bed, secure parking & storage, more. Resort-like pool, spa & gym. All just 1 block from the ocean & steps to La Jolla shops & dining. Offered furnished!

5409 Moonlight Lane La Jolla, CA 92037

$1,875,000
2 Beds
2 Baths
1,817 SqFt
Status Active
MLS # 190027651
Property Type Detached
Lovely ocean and bay views with city lights at night. Enjoy dazzling sunsets with a glass of wine from the deck of this one-level Mid-Century Modern classic. Situated at the end of Moonlight Lane on a large lot. This inviting home is light and bright with a private backyard excellent for entertaining. Living room features walls of windows. Over 145 feet of southwest facing street frontage. Convenient location with quick access to the village of La Jolla, Pacific Beach and freeways.

6639 La Jolla Blvd La Jolla, CA 92037

$1,829,000 - $1,949,000
2 Beds
2 Baths
2,240 SqFt
Status Active
MLS # 190019167
Property Type Townhome
Be one of the lucky few to own this stunning townhome in the heart of La Jolla. Enjoy countless amenities such seamless indoor/outdoor entertaining, energy efficiencies (solar), gorgeous custom finishes throughout, rich materials such as limestone and oak flooring, wrought iron staircase, etc. This home comes equipped with dual master suites, upgraded stainless appliances, gorgeous grounds and great accessibility to shops and your own 3 car garage. Only two blocks from famous windansea beach!

201 Bonair Street E La Jolla, CA 92037

$2,100,000
2 Beds
2 Baths
1,510 SqFt
Status Active
MLS # 190022976
Property Type Attached
TOP-FLOOR penthouse ocean-front at WindanSea beach. 6-unit Henry Hester building. This unit remodeled in 2009. High ceilings. Open kitchen. 2nd bedroom with built-ins, desk and murphy bed. In-unit laundry. Electric double window coverings when needed. 2 parking spaces - 1 in garage 1 tandum in driveway. 3 storage cabinets in garage/community laundry room. Sunsets on the ocean! Rare generational offering was last on the market in 1994!! AWESOME Legacy!

1215 Park Row La Jolla, CA 92037

$2,200,000
2 Beds
1.5 Baths
1,036 SqFt
Status Active
MLS # 190010400
Property Type Detached
Available to show: 6/24, 6/25, & 6/30. Ideally located in the heart of the Village and steps from local shops, dining, the ocean and The Cove – this newly refurbished, highly-coveted cottage is currently rented through Seabreeze Vacation Rentals and features a masterful blend of contemporary coastal design with a vintage cottage feel. Special features include large picture windows allowing in ample sunlight, hardwood floors, a modern kitchen and breakfast bar and a private backyard...see supplement.

939 Coast Blvd 12b La Jolla, CA 92037

$2,395,000
2 Beds
2 Baths
1,937 SqFt
Status Active
MLS # 190009402
Property Type Attached
Located in La Jolla’s luxury high-rise community of 939 Coast where you will enjoy an unparalleled coastal lifestyle and awe-inspiring, northwesterly views of the ocean, Cove, Scripps Park to the North Shore. Beautifully remodeled throughout, the flexible floor plan features 2 en suite bedrooms plus an office area, a stunning Bulthaup kitchen, an abundance of custom cabinetry and built-in storage, in-unit laundry, and floor-to-ceiling windows providing natural light while maximizing your panoramic views.

7226 Via Capri La Jolla, CA 92037

$2,395,000
2 Beds
2 Baths
1,988 SqFt
Status Active
MLS # 190030679
Property Type Detached
Completely remodeled Contemporary /Modern one level home with ocean views all the way to Dana Point. This home just underwent a major remodel by Simply Stunning Spaces, new roof, forced air/AC w/Nest, windows/door systems to include frameless bi-folds, plumbing, electrical to include Lutron home automation, electric blinds, Gourmet kitchen /high end appliances, custom cabinets, Quarts countertops, custom designer lights throughout, wide plank engineered European oak floors, 1000 sq.ft. Moso Bamboo deck.

327 12th St Del Mar, CA 92014

$2,575,000
2 Beds
2 Baths
1,544 SqFt
Status Active
MLS # 190027303
Property Type Detached
Heart of Del Mar Village location with ocean views and beautiful approved plans by Bokal and Sneed Architects, see attached documents. Please call agent for more information.

939 Coast Blvd. 8a La Jolla, CA 92037

$3,999,000
2 Beds
2 Baths
2,444 SqFt
Status Active
MLS # 190003969
Property Type Attached
Finest panoramic ocean views of the north coast including deep water and coastline contours and unparalleled ocean views. This home, ideally located on the 8th floor, was customized by Mueller Homes and has a warm contemporary feel with neutral colors and many built-ins. There are niches for art objects, custom wall treatments and surround sound, along with top of the line appliances, a Kohler spa tub, Miele washer, dryer and...see supplement