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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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17159 W Bernardo Dr 103 San Diego, CA 92127

$324,900
2 Beds
2 Baths
944 SqFt
Status Active
MLS # 190036295
Property Type Attached
Price Type --
Rancho Coastal Properties, Inc
Move in ready, 2BR/2BA entry level, recently upgraded, new appliances, flooring, granite counter-tops. Poway school district. Easy access to freeway I-15. Close to shopping. Pool/spa, exercise room, BBQ area, playground. Best price in development!

17173 W Bernardo Dr 107 San Diego, CA 92127

$349,000 - 2Br/2Ba -  for Sale in Rancho Bernardo, San Diego
Open House
$349,000
2 Beds
2 Baths
944 SqFt
Status Active
MLS # 190033061
Property Type Attached
Price Type --
Keller Williams Carmel Valley
You will love this modern single story home with everything immaculate! Nothing else to do but to move in. Beautiful wood laminate flooring, bright cabinets, granite counters, stainless steel appliances, stacked washer and dryer in closet, two full baths, outdoor patio for relaxing. Lovely ground unit in a quiet community with lots of amenities: pool, spa, play ground, gym, lush grounds and a beautiful pond. Assigned carport plus assigned space. Visitor's parking. Close to freeway, stores, and schools.

17087 W Bernardo Dr Unit 108 San Diego, CA 92127

$358,500
2 Beds
2 Baths
955 SqFt
Status Active
MLS # 190038298
Property Type Attached
Price Type --
Keller Williams Realty
This Beautiful, Remodeled Condo With New AC, New Flooring, New Dual Pane Windows, New Blinds & Subway Tiles in Bathroom! Take Pride in Ownership in the Heart of Highly Desirable Rancho Bernardo. The Community Boosts a Swimming pool, Playground & Fitness center. Locally Located to Popular Shopping, Dining & Freeway Access. This will Not Last Long!

17195 W Bernardo Dr 207 San Diego, CA 92127

$369,000
2 Beds
2 Baths
944 SqFt
Status Active
MLS # 190036829
Property Type Attached
Price Type --
Top Coast Properties Inc.
Awesome opportunity to own the popular upper level unit with new paint in Waterbridge. It is beautifully upgraded with granite counters, stainless steel appliances and vaulted ceiling in the living room. Washer/Dryer in the closet. This well-manicured community has lovely grounds plus a pool/spa, exercise room, a playground and is centrally located near restaurants, shopping, tech companies and freeway. No Mello-Roos! In the Poway Unified School District.

10345 Azuaga Street 76 San Diego, CA 92129

$369,900
2 Beds
2 Baths
881 SqFt
Status Active
MLS # 190029407
Property Type Attached
Price Type --
R.B. Haley, Inc
Welcome home to this beautiful upstairs corner end unit featuring dual master suites, spacious rooms, cozy fireplace in the living room, private balcony & it's own laundry inside the unit. The home has been updated with recessed lighting & newer carpet. The complex has great amenities such as pool, spa, sauna and gym. This home is conveniently located with easy freeway access to both SR 56 & I-15 as well as being close to shopping, restaurants & within the highly acclaimed Poway Unified School District.

10367 Azuaga St 164 San Diego, CA 92129

$373,000
2 Beds
2 Baths
881 SqFt
Status Active
MLS # 190028748
Property Type Attached
Price Type --
Flying Dog Enterprises Inc
PRICE REDUCED!!!Welcome home to this upper corner unit in the desirable community of Terra Vista. Home offers hardwood flooring w/ carpet in the bedrooms. Pvt balcony with storage off the living room. Full Size stack-able washer/dryer in unit. Community amenities include multiple pools, spas, & exercise rooms, clubhouses, sauna and extra laundry facilities. The home is also situated in the highly sought after Poway School District. Bring your offers!!!

9939 Azuaga St H201 San Diego, CA 92129

$373,000
2 Beds
2 Baths
833 SqFt
Status Active
MLS # 190029524
Property Type Attached
Price Type --
Berkshire Hathaway HomeService
A superior location in the immaculately maintained community of Cantabria. This rarely available, top floor, corner unit is situated in a park like setting facing the interior courtyard. Numerous upgrades including: solid bamboo flooring throughout kitchen and entry way, upgraded kitchen lighting, granite countertops, stainless steel appliances, new faucets, Bosch front load washer/dryer, crown molding, windows cased with trim, custom window coverings, built ins and cedar plank flooring in closet.

13323 Rancho Penasquitos Blvd D206 San Diego, CA 92129

$378,000
2 Beds
2 Baths
833 SqFt
Status Active
MLS # 190035747
Property Type Attached
Price Type --
eXp Realty of California, Inc
Welcome home! You found the perfect blend of luxury and value. Your new residence is highly upgraded with new Quartz Counter-Top with white marble backsplash, updated cabinets, and stainless steel deep sink. New stainless steel appliances including a new washer and dryer and recessed lighting with dim switches. Cantabria sits in a beautiful area of Rancho Penasquitos with convenient freeway access, rolling hills, highly desired Poway Unified School District, and all the amenities of resort living.

11048 Via San Marco San Diego, CA 92129

$399,000 - 2Br/2Ba -  for Sale in Penasquitos Villas, San Diego
Open House
$399,000
2 Beds
1.5 Baths
1,056 SqFt
Status Active
MLS # 190036686
Property Type Attached
Price Type --
Realty National, Inc
Stylish newly remodeled 2-story condo shows TRUE Pride of Ownership! Enter beautiful beveled glass front door to wood grain tile/plush carpeting complimented by a modern interior paint scheme. Expanded bathroom with custom vanity/granite countertop. Kitchen upgraded w/new SS appliances, lighting and back splash. New dual pane windows/doors throughout allowing ample natural light. Whole house fan, interior laundry unit. Adjacent to quiet grass area. Mins from award winning Poway School, close to the 56/15.

6350 Genesee 211 San Diego, CA 92122

$399,500 - 2Br/2Ba -  for Sale in University City, San Diego
New
$399,500
2 Beds
2 Baths
816 SqFt
Status Active
MLS # 190039405
Property Type Attached
Price Type --
Big Block Realty, Inc.
Owner must be 62+ and live in the unit for first year!Rarely available 2 bedroom 2 bath corner end unit with private balcony with westerly views.Elevator access and no stairs-nicely remodeled with updated Corian counter tops,fixtures,carpet, paint and lighting. New air conditioner for your comfort. The community is an active senior community with clubhouse, billiards, library, meeting rooms and gym. Close to great shopping, freeways, restaurants , beach and hospitals. A must see and rarely available

9332 Twin Trails Dr. Unit 104 San Diego, CA 92129

$405,000
2 Beds
2 Baths
927 SqFt
Status Active
MLS # 190034536
Property Type Attached
Price Type --
Windermere Homes & Estates
Fabulous bright and quiet ground floor 2 BR/2BA corner condo in the beautiful Casablanca complex in Rancho Penasquitos. This is perfect for 1st time home buyers, investors or for anyone who doesn't want stairs. Remodeled and meticulously maintained, it has new carpets in bedrooms, stainless refrigerator, newer cabinets and stove, stackable washer/dryer, peaceful patio and nice fireplace & storage. Walk to Sundance Elementary, shops, restaurants, library & YMCA. Excellent location and close to freeways.

9429 Fairgrove Ln 201 San Diego, CA 92129

$405,000
2 Beds
2 Baths
927 SqFt
Status Active
MLS # 190037861
Property Type Attached
Price Type --
Redfin Corporation
Here is your opportunity to own this top floor unit that features an open floor plan allowing the living room, dining area and kitchen to flow seamlessly together. Open the patio door wide to let the cool breezes flow through all year long. When the weather needs a little assistance, snuggle up to a cozy fire in the living room. A modern light fixture illuminates the dining room. The kitchen features crisp, white cabinetry, gas cooking and a laundry closet for a stackable unit.