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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).

3890 Nobel Dr. 503 San Diego, CA 92122

$370,000
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, gated entry and 24-hour security, valet in secured underground parking, housekeeping, maintenance, transportation, salon (see supp.)

3890 Nobel Drive 303 San Diego, CA 92122

$375,000
2 Beds
2 Baths
1,118 SqFt
Status Active
MLS # NDP2109225
Property Type Attached
Price Type --
Pacific Regent Realty
Pacific Regent La Jolla is an elegant luxury retirement (62+ community) and a great place to live. This beautiful 2br and 2 bath suite, w/ balcony has mirrored wardrobes, 2nd baths like new, granite counters, wall to wall carpet, walk in shower, gourmet kitchen, Washer and dryer in unit. Owner may carry!! HOA fees include: A daily events calendar, includes social events, entertainment, exercise classes, lectures, and daily movies. HOA fees also included: Weekly maid service, transportation w/i 10 miles, all utilities including electric, local and long-distance phone service, WIFI, cable TV including HBO and Showtime, water, sewer. Additional features are heated indoor pool and spa, extensive library and meeting rooms for events, gourmet restaurant style dining room and room service, beautifully manicured grounds, gated entry and 24-hour security, valet parking in secured underground garage, maintenance, beauty salon w/ spa and barber services, resident call system, beautiful new fitness center, gated entry with 24 hour security/concierge desk, social programs & clubs to entertain, enrichment & exercise.

6350 Genesee 315 San Diego, CA 92122

$399,000
2 Beds
2 Baths
816 SqFt
Status Active
MLS # NDP2111590
Property Type Attached
Price Type --
Pacific Sotheby's Int'l Realty
Mediterranean style meets urban living in this University City 2 bed 2 bath condo for 62 years of age senior community. Take the elevator up to the top floor where youll find this unit along with the scenic and quiet views off its private balcony. This specific condo has newer windows, a newer glass sliding door for serene views, and corian kitchen countertops. All closets have closet organizers making them both accessible as well as a great use of storage. The community comes with a clubhouse perfect for entertaining with a kitchen, billiards room, relaxing fireplace with a reading nook and an exercise room full of state of the art equipment. Situated in the highly desirable area of University Towne Center, enjoy the close proximity to high fashion stores and award winning restaurants while also being near great transportation and the best medical facilities such as Scripps, UCSD Medical and veterans hospital. The building is 62 and older and it can not be made as a rental for the first year.

6350 Genesee 316 San Diego, CA 92122

$420,000
2 Beds
2 Baths
816 SqFt
Status Pending
MLS # 210028761
Property Type Attached
Price Type --
Costa Modern Properties
Welcome home to Regency Villas a 62+ active community. This updated top floor corner unit is just a few steps from the elevator. You will enjoy the beautiful acacia wood flooring, granite counter tops with a built in granite dinning table. Updated stainless steel appliances. Lots of interior storage. 2 bedrooms roommate style each with their own full bathroom. Enjoy a lovely sunset on the West facing balcony, or checkout the clubhouse and join the other residences for a card game, billiards, a light workout, or a BBQ. Regency Villas is close to grocery stores, pharmacies, shopping and entertainment.

15267 Maturin Dr 13 San Diego, CA 92127

$444,900
2 Beds
1.5 Baths
950 SqFt
Status Pending
MLS # SDC0000109
Property Type Attached
Price Type --
Keller Williams Realty
UNDENIABLY THE BEST CORNER END UNIT IN THE COMPLEX! Don't miss your opportunity to own this highly sought after unit in Rancho Bernardo. This beautiful 2 Bed/1.25 Bath, perfectly maintained 2nd floor unit sits directly across the community pool & clubhouse!! This spacious and opened corner end unit boasts vaulted ceilings that highlight a wonderful kitchen with granite countertops, breakfast bar, and stainless steel appliances. Newly installed upgraded laminate flooring throughout the house, along with new installed LED lights throughout, full sized stacked washer/dryer, central HVAC, and a private balcony that overlooks like community pool & clubhouse! Walking distances to shops and restaurants and within the prestige Poway Unified School District. Easy access to the Freeway. The complex offers excellent resort style amenities such as swimming pools, spa/hot tub, gym/exercise room, tennis courts, community clubhouse, playgrounds, and a dedicated parking/charging station for Electric Vehicles. Water/Sewer & Trash included in HOA and no MELLO-ROOS!! THIS IS A MUST SEE.

3890 Nobel Dr 908 San Diego, CA 92122

$449,000
2 Beds
2 Baths
1,227 SqFt
Status Pending
MLS # 210009874
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, gated entry and 24-hour security, valet in secured underground parking, housekeeping, maintenance, transportation, and salon (see supp.)

10329 Azuaga St 263 San Diego, CA 92129

$465,000
2 Beds
2 Baths
881 SqFt
Status Pending
MLS # NDP2110924
Property Type Attached
Price Type --
Compass
Don't miss this great opportunity to make this single-story, entry-level, 2 bed 2 bath condo your very own. Located in the peaceful Tierra Vista community, this condo is surrounded by greenbelt and beautiful landscape. Poway Unified schools are close by as well as prompt freeway access and shopping at the Carmel Mountain shopping plaza. With a little TLC this condo will be a lovely place to call home.

3890 Nobel Drive 1008 San Diego, CA 92122

$480,000
2 Beds
2 Baths
1,226 SqFt
Status Pending
MLS # NDP2108195
Property Type Attached
Price Type --
Pacific Regent Realty
Rarely available!! large 1,226 SqFt, 2 Bdr-2 Bath suite at the beautiful & luxurious Pacific Regent La Jolla. Come join in our active lifestyle in Coastal San Diego near shopping, major medical facilities and transportation. This 10th floor suite offers sweeping views, foyer, living room, dining area, full kitchen, primary bedroom w/ in-suite mster bath & wlk-in closet, 2nd bdr/den/office, 2nd full bath, 2 large personal patios, full size closet washer/dryer, weekly maid service, secured underground parking w/ complimentary valet, great cuisine in our gourmet restaurant, 24/7 concierge, full-time activity director, transportation, social events & more. See Supplement [Supplement]: Pacific Regent Not only are the condominiums luxurious, so is the lifestyle: For dinner or lunch you may prepare your meals, have room service deliver or join your neighbors in our beautiful gourmet restaurant; you may want to join a planned exercise group in the in-door pool or exercise of your own; you may want to self park your car or have it complimentary valet parked in our underground assigned and secured parking garage; You may be on your own or join the many activities offered by our own full-time activities director; You may want to visit our own hair and beauty salon; You don't have to clean your suite because our staff will visit and clean for you; Also available is our library and exercise facility, Don't care to drive then use the complimentary shuttle service; You can do everything or nothing at all at the Regency Pacific La Jolla! Additional amenities offered are: Library; social ro

9408 Twin Trails Dr 201 San Diego, CA 92129

$498,888
2 Beds
2 Baths
927 SqFt
Status Pending
MLS # 210027612
Property Type Attached
Price Type --
California Property Experts
Don't miss this dream unit! Beautiful 2 bed, 2 bath condo nestled in the lush grounds at Casablanca resort-like living! 2nd level unit with large open living area, open kitchen and large private patio balcony to view the amazing sunsets. Master bedroom has a huge walk-in closet and on-suite bathroom. Guest bedroom has a large closet and separate full restroom for your lucky guests! Assigned parking for 2 vehicles including one covered spot and an additional storage unit. Walking distance to restaurants and shopping, close access to freeway and also located in the highly desirable Poway school district.

3890 Nobel Drive 1107 San Diego, CA 92122

$499,000
2 Beds
2 Baths
1,153 SqFt
Status Pending
MLS # NDP2107566
Property Type Attached
Price Type --
Pacific Regent Realty
Beautiful views from every room of this updated and move-in ready 1153 SqFt, 2br and 2 bath suite in the 62+ Pacific Regent La Jolla luxury retirement community. Features include: fitness center, heated indoor pool & spa, library & meeting rooms, gourmet style restaurant/room service, manicured grounds, gated entry with 24 hour security/concierge desk, valet parking/gated underground parking, housekeeping, transportation & beauty/spa services, social programs & clubs to entertain, enrich & exercise. [Supplement]: HOA fee of $2,344/month for one person, plus $312/month for an additional person and does not include meal plans. Basic meal plan of 10 meals for each occupant is $180 / month. Each meal equal 1 dinner or 2 lunches. Additional dining packages and daily purchases are available. HOA fees include: A daily events calendar with live 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. Additional features are fitness center and heated indoor pool and spa, extensive library and meeting rooms for events, gourmet restaurant style dining room and room service, beautifully manicured grounds, gated entry and 24-hour security, valet in secured underground parking, housekeeping, maintenance, transportation, salon and barber services, resident call system and more.

3890 Nobel 1601 San Diego, CA 92122

$499,000
2 Beds
2 Baths
1,200 SqFt
Status Pending
MLS # NDP2103877
Property Type Attached
Price Type --
Pacific Regent Realty
Live in a luxurious high-rise retirement community in Coastal San Diego. This 16th floor suite offers gorgeous views, large patio, foyer, living room, dining area, full kitchen, master suite w/ in-suite mster bath and walk-in closet, + 1 full bath, 2nd bdr converted into beautiful office, full size closet washer/dryer, weekly maid service, secured underground parking w/ complimentary valet, great cuisine in our gourmet restaurant, 24/7 concierge, full-time activity director, transportation, social events & more. See Supplement [Supplement]: Pacific Regent La Jolla condos offer the ultimate in active independent retirement living. Not only are the condominiums luxurious, so is the lifestyle: For dinner or lunch you may prepare your meals, have room service deliver or join your neighbors in our beautiful gourmet restaurant; you may want to join a planned exercise group in the in-door pool or exercise of your own; you may want to self park your car or have it complimentary valet parked in our underground assigned and secured parking garage; You may be on your own or join the many activities offered by our own full-time activities director; You may want to visit our own hair and beauty salon; You don't have to clean your suite because our staff will visit and clean for you; Also available are tennis courts, library, computer center, Don't care to drive then use the complimentary shuttle service; You can do everything or nothing at all at the Regency Pacific La Jolla! Additional amenities offered are: Library; computer center; social room; front desk and concierge services; all

17161 Alva Road 221 San Diego, CA 92127

$505,000
2 Beds
2 Baths
968 SqFt
Status Pending
MLS # NDP2111268
Property Type Attached
Price Type --
Windermere Homes & Estates
Beautiful 2 bed/2bath condo in The Summit. Newly installed carpet and fresh paint throughout. Bright unit on second floor with high ceilings. Kitchen features white cabinets, granite counters and stainless steel appliances. Living room offers wood burning fireplace and sliding doors to balcony. Spacious master bedroom with vaulted ceiling, huge walk in closet and en suite bath. Full size in-unit washer and dryer. 2 assigned parking spaces for this unit. The Summit offers two community pools, spa, gym, tennis court and clubhouse. Great location near 4S Commons restaurants, shopping, library and more. Award Winning Poway Unified School District. No mello roos.