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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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6330 Genesee Avenue 316 San Diego, CA 92122

$295,000 - $325,000
2 Beds
2 Baths
816 SqFt
Status Active
MLS # 200011149
Property Type Attached
Price Type --
Keller Williams Carmel Valley
62+ Community. Trust sale, top floor unit in great condition. Balcony oversees open space and trees that provide shade and privacy. Two suites at each end of the condo, and two baths. Wood floor provides a warm feel to the open layout as you walk into the unit. This unit is right next to the Community room for the enjoyment of the amenities.

17161 Alva 2738 San Diego, CA 92127

$395,000 - $410,000
2 Beds
2 Baths
899 SqFt
Status Active
MLS # 200009567
Property Type Attached
Price Type --
Coldwell Banker Res. Brokerage
Back on the Market due to no fault of seller. Lovely home located in the sought-after community of The Summit in Rancho Bernardo. Nestled in a quiet corner on the third floor, vaulted ceilings that makes this home very bright.This very private condo has canyon views from the living room and both bedrooms. Community has 2 clubhouses, 2 pools, 2 jacuzzis, work-out room, tennis courts. Conveniently located near 15 freeway good schools, hiking trails and so much more.

15347 Maturin Dr 112 San Diego, CA 92127

$419,000 - 2Br/2Ba -  for Sale in Rancho Bernardo, San Diego
New
$419,000
2 Beds
2 Baths
950 SqFt
Status Active
MLS # 200014873
Property Type Attached
Price Type --
Coldwell Banker Res. Brokerage
This beautiful move-in ready, ground level corner unit in the highly sought after community of Villa Taviana is a must see! Spacious, open plan with abundant natural light featuring gourmet kitchen, granite countertops, stainless steel appliances, breakfast bar overlooking the dining area, crown moulding, laminate wood flooring, dual paned windows, sliding doors opening into a private patio, central A/C and heating.

7180 Shoreline Dr 5113 San Diego, CA 92122

$469,000
2 Beds
2 Baths
848 SqFt
Status Active
MLS # 200014054
Property Type Attached
Price Type --
Coastal Premier Properties
AMAZING FIRST HOME OR INVEST OPPORTUNITY. Resort style gated community with amenities including canyon view, swimming pool, spa, club house, tennis, basketball, volleyball, racquetball. Open floor plan with granite kitchen counter tops, stainless steel appliances, in-unit laundry, fireplace, private patio, convenient guest parking, central air-conditioning. Easy access to 5 & 805 Freeway and UTC shopping. **Currently rented for $2,200 per month through August 31st and tenant is willing to extend**

4060 Rosenda Ct 228 San Diego, CA 92122

$475,000
2 Beds
2 Baths
1,086 SqFt
Status Active
MLS # 200010917
Property Type Attached
Price Type --
McKee Properties
Highly desirable La Jolla Colony complex. This 2bd/2ba unit is the largest floor plan in the community! Nice layout with split master bedroom suites, separated by a large living room off of the kitchen. The living room opens to a fenced patio, perfect for entertaining! Unit includes full-size in-unit Washer & Dryer and comes with two assigned parking spaces. Enjoy access to the community pool & spa. Located close to restaurants, Ralph's, Trader Joe's, Starbucks, Whole Foods, UCSD, Freeways and More!

7120 Shoreline Drive 2208 San Diego, CA 92122

$478,000
2 Beds
2 Baths
848 SqFt
Status Active
MLS # OC20003708
Property Type Attached
Price Type --
Dalton Real Estate
Back on the market with new flooring! This beautiful 2br 2ba corner unit is located on the 2nd floor in the gated community of Lucera. This large floor plan makes you feel right at home. This unit can be accessed via staircase or elevator and comes with a shared garage. This unit has an open floor plan that brings the kitchen, living room, and dining room together. The kitchen boasts granite counter tops with stainless steel appliances, offering plenty of cabinet storage. From the living room you can enjo

16912 Laurel Hill Ln 124 San Diego, CA 92127

$490,000
2 Beds
2 Baths
1,068 SqFt
Status Active
MLS # 200012980
Property Type Attached
Price Type --
Keller Williams-Carmel Valley
*** VIRTUAL OPEN HOUSE TOUR LINK: http://tours.curb360.com/16912laurelhillln124 *** Coveted top floor, corner unit located in 4S Ranch! A light-filled, open layout with soaring 9ft ceilings. Home upgrades include GE stainless steel appliances, Samsung washer, Nest Thermostat, upgraded interior lighting, a mixture of hardwood & laminate throughout, and tiled bath floors. Two separate garages and large outdoor patio . Walk to PUSD schools, parks, and 4S Commons Town Square.

7130 Shoreline 1310 San Diego, CA 92122

$490,000 - 2Br/2Ba -  for Sale in Utc, San Diego
New
$490,000
2 Beds
2 Baths
848 SqFt
Status Active
MLS # 200014543
Property Type Attached
Price Type --
Keller Williams SD Metro
Terrific top floor unit with vaulted ceiling and charming fireplace. Private balcony facing beautiful Rose Canyon. Best location and best building in the complex. Maple cabinets, granite counters, stainless appliances, tile floors in entry. Includes upgraded dual pane windows. Lucera complex has a resort-like feel with 2 pools, 2 gyms, basketball courts, as well as hiking and biking trails.

7405 Charmant Dr 2207 San Diego, CA 92122

$519,000 - 2Br/2Ba -  for Sale in Utc, San Diego
New
$519,000
2 Beds
2 Baths
934 SqFt
Status Active
MLS # 200014905
Property Type Attached
Price Type --
San Diego Sunrise Realty
Welcome home to a beautiful park like setting in La Jolla Colony. Two master suites with walk-in closets and open floor plan. Patio access from spacious living room, granite counter tops, upgraded dual pane windows. Verano La Jolla offers 2 pools, 2 spas, saunas, fitness center, 2 BBQ areas and internet cafe. Two secure underground parking spaces. Great location, just minutes away to the UTC shopping mall. Easy access to parks, shopping, transit, UCSD, restaurants and beaches.

3440 Lebon 4321 San Deigo, CA 92122

$523,000
2 Beds
2 Baths
956 SqFt
Status Active
MLS # 200013795
Property Type Attached
Price Type --
Marinello and Associates R.E
Remodeled Villa Vicenza 3rd floor view unit. Walking distance to UCSD. Bus stops just outside the complex. Newer kitchen with new microwave. newer carpet. duel master suites with walk in closets. Two underground parking spaces. Full gym, pool and Jacuzzi. Stack washer/dryer in the unit. New trolly stop coming soon. Great investment for students at UCSD.

3520 Lebon Drive 5101 San Diego, CA 92122

$524,900
2 Beds
2 Baths
956 SqFt
Status Active
MLS # 200004756
Property Type Attached
Price Type --
RC Realty of San Diego
Remodeled Villa Vicenza 1st floor unit that's walking distance to UCSD. Bus stops just outside the complex. New kitchen with Quartz counter tops and stainless appliances. Bathroom vanities are new with Quartz counter tops. New flooring throughout and new paint and baseboards. Sought after complex with 2 underground parking spots. Complex features Full gym and Pool and Jaccuzi. Great investment for students or UCSD employees.

7415 Charmant 2513 San Diego, CA 92122

$524,900
2 Beds
2 Baths
1,037 SqFt
Status Active
MLS # 200011731
Property Type Attached
Price Type --
Century 21 Award
Most Popular Model Boasting Private Bedroom/Bath With Walk-In Closets, on Each Side Of Spacious Living Room With Gorgeous Laminate Flooring. This Model Offers Interesting Angular Architectural Design With Remodeled Kitchen Cabinets, Granite Counters And Stainless Steele Appliances. This Convenient Home Is Topped Off With Private Interior Laundry And Unbeatable Golden Triangle Location In Upscale Utc/La jolla Near Ucsd Shuttle (continued on Supplement)