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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).

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10313 Azuaga Street 56 Rancho Penasquitos, CA 92129

$385,900
2 Beds
2 Baths
881 SqFt
Status Contingent
MLS # PTP2000039
Property Type Attached
Price Type --
Big Block Realty, Inc
Great opportunity to make this 2 bedroom / 2 bath, 881 sqft, 2nd level condo into your perfect starter home! Open floor plan creates a spacious layout ideal for this new era of virtual learning & work from home environment. Living room features a gas fireplace and slider that opens up to your private balcony with additional storage closet! Master suite is large with dual full size closets, vanity with double sinks & separate shower/water closet. 2nd bedroom is a great size! 2nd bathroom is a plus as its a

10363 Azuaga St 177 San Diego, CA 92129

$379,000 - $389,000
2 Beds
2 Baths
881 SqFt
Status Active
MLS # 200044318
Property Type Attached
Price Type --
Century 21 Award
Highly upgraded ground level unit in desirable location! large green area, well maintained Terra Vista community. Close to PQ shopping center. Balcony off living room. Freshly painted, tiles in living, kitchen and all baths. Upgraded cabinets, granite countertops! In unit washer and dryer, cozy fireplace. Mirror closet doors. Ceiling fans. Community pool, spa and gym in short walking. Easy access to I-56 and 15. Mins to shopping, Costco, Dining! Poway School District.

8324 Regents Road 2k San Diego, CA 92122

$405,000
2 Beds
2 Baths
894 SqFt
Status Active
MLS # 200034699
Property Type Attached
Price Type --
Berkshire Hathaway HomeService
BEST PRICED UNIT. Wonderful gated community in the Pines of LaJolla. Very clean in this spacious floor plan. Neutral colors throughout. Wonderful area so close to shopping, restaurants and entertainment. Close to #5 and #805. Doyle Park and Elementary school across the street. Lock box has changed to construction box

9312 Twin Trails Dr. Drive 105 San Diego, CA 92129

$409,900
2 Beds
2 Baths
927 SqFt
Status Active
MLS # PTP2000391
Property Type Attached
Price Type --
Noble Real Estate Services
SUPER WOW! Gorgeous! New paint, new laminate flooring, stainless appliances, refrigerator, stackable washer and dryer to convey. Mirrored closet doors, ceiling fans, fireplace in living room, community pool and spa, walk to shops accross the street! Close to freeway - hurry it will not last. Buyer to cooperate with seller DOING A 1031 EXCHANGE. Call Co-listing agent Josef 619-410-9168 for all questions and combo. Water line broke in June in this unit - seller had insurance claim and Servpro has completed

13328 Caminito Ciera 13 San Diego, CA 92129

$415,000
2 Beds
2 Baths
889 SqFt
Status Active
MLS # 200045915
Property Type Attached
Price Type --
Pacific Properties San Diego
Beautiful two bedroom, two full bath condo in highly desirable Rancho Penasquitos neighborhood. Unit features two master bedrooms, fireplace, upgraded kitchen with all appliances included, laundry in unit and spacious patio with large storage closet. Great location near the 15 and 56 freeways. This downstairs corner unit is move in ready and a must see.

10357 Azuaga Street 204 San Diego, CA 92129

$415,000
2 Beds
2 Baths
881 SqFt
Status Active
MLS # NDP2001043
Property Type Attached
Price Type --
Capital Property Brokers
Beautifully upgraded 2nd level end unit, 2 bedrooms, 2 bath. Balcony off of living room area, in unit washer/dryer, gym, community pool, jaccuzzi, 1 designated parking space, 1 open area plus guest parking. Close to shopping, freeways and the beach. Seller is interested in renting back. Listing agent will be showing the property tomorrow Saturday, October 10 12:00pm - 3pm. Everyone welcome...must have a mask on to enter property.

3890 Nobel Dr. 503 San Diego, CA 92122

$399,000 - $425,000
2 Beds
2 Baths
1,153 SqFt
Status Active
MLS # 200027546
Property Type Attached
Price Type --
Compass
Pacific Regent La Jolla is an elegant luxury retirement (62+ community) located just up the hill from The Village of La Jolla. Ask listing agent for details. HOA includes: fitness center and heated pool and spa, extensive library and meeting rooms for events, gourmet restaurant style dining room and room service, beautifully manicured grounds with tennis court, gated entry and 24-hour security, valet in secured underground parking, housekeeping, maintenance, transportation, salon (see supp.)

3890 Nobel 303 San Diego, CA 92122

$400,000 - $430,000
2 Beds
2 Baths
1,118 SqFt
Status Active
MLS # 200037562
Property Type Attached
Price Type --
Dana Horne Realty
Light and bright, Westerly facing windows and balcony, 2br and 2 bath suite, mirrored wardrobes, 2nd bath like new, granite counters, wall to wall carpet, walk in shower, Gourmet Kitchen, spa like bath, Washer and dryer hookups in unit. HOA fees include: A daily events calendar, entertainment, exercise classes, lectures, movies and more. All utilities including electric, local and long-distance phone service, WIFI, cable TV including HBO and Showtime, water, sewer. Great place to live. (see supplement)

8328 Regents Rd 2 H University City, CA 92122

$420,000 - $430,000
2 Beds
2 Baths
894 SqFt
Status Active
MLS # 200045038
Property Type Attached
Price Type --
First Team Real Estate
Sophisticate, south facing condo with 10' ceilings & views! Fully upgraded, open kitchen floor plan with new stainless steel appliances, updated fixtures modern Lighting. The unit is fully upgraded, new paint, New flooring throughout. This two Master suite floor plan is perfect for Guest or Roommates. Gated security development, close to UCSD, Restaurants, Parks, Beaches, Canyon, Theaters, and Shopping. Excellent freeway access. Minutes to Anywhere in San Diego

13252 Salmon River Rd 101 San Diego, CA 92129

$440,000
2 Beds
2 Baths
927 SqFt
Status Active
MLS # 200046893
Property Type Attached
Price Type --
Pacific Realty International
This Casablanca home features the quality & amenities. 4 pools, Spa, clubhouse and tranquility streams running throughout the village. Gourmet Kitchen with granite counters. You'll love the upgraded laminate wood floors. Cozy brick fireplace. You'll appreciate the interior laundry and large walk-in closet. Relax outside on your private covered patio. Master bedroom has it's own bathroom. Newer AC. Two reserved parking spaces. Ample nearby parking. Award winning schools. Walk to shopping, library & YMCA.

8310 Regents Rd 3e San Diego, CA 92122

$424,900 - $444,900
2 Beds
2 Baths
900 SqFt
Status Active
MLS # 200048859
Property Type Attached
Price Type --
Corcoran Global Living
Absolutely Beautiful is the only way to describe this Highly Upgraded Home Conveniently Located In the Heart of Exclusive University City. W/ its Light, Bright, & Beautiful Open Floor Plan this Home Boasts Custom Designer Features Thru-out! Exquisite Sweeping Patterned Granite Countertops, Gorgeous Deep Espresso Custom Cabinetry w/ Designer Stainless Steel Pulls, Commercial Style Deep Basin Stainless Steel Sink w/ Custom Commercial Style Sink Faucet, Spectacular Designer Drop Lights (See Supplement!!)

11309 Matinal Cir San Diego, CA 92127

$445,000
2 Beds
1.5 Baths
1,116 SqFt
Status Active
MLS # 200048577
Property Type Townhome
Price Type --
San Diego Sunrise Realty
Fantastic 2 bedroom 1.5 bath townhome in the Westwood Community near everything you need (School, restaurant, shopping malls and easy freeway access). It offers an open floor plan with gorgeous dark wood laminate flooring, designer paint tones throughout, and custom cabinetry in the kitchen. Enjoy your afternoon in the beautiful private back yard. Homeowners also have access to Westwood club which includes Tennis courts, swimming pool, playground, indoor/outdoor basketball courts, mini golf and more.