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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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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
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.

207 13th St Del Mar, CA 92014

$3,300,000
2 Beds
1.5 Baths
1,650 SqFt
Status Active
MLS # 190014506
Property Type Detached
Panoramic Ocean/Coastal Views from this Prime Village location on a very private elevated lot. Vintage home is livable, current owner has applied for demo permit which should be approved soon. New owner can build 1 or 2 units based on current R2 Zoning. Seller financing maybe available? Amazing Views and walk to beach and all that the Village of Del Mar has to offer! Buyer can buy a unit once plans are approved and price is determined. Buyer to verify all terms and conditions prior closing escrow.

939 Coast Blvd. 8a La Jolla, CA 92037

$3,900,000 - $4,500,000
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