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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 $
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Down Payment: $
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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).

7542 Camino De La Rosa San Diego, CA 92127

$339,782
2 Beds
2 Baths
933 SqFt
Status Pending
MLS # 210005457
Property Type Attached
Price Type --
San Terra Properties
2-Bedroom/2-Bathroom upstairs end-unit in the Affordable For-Sale Housing Community of Bella Rosa. Unit has an open layout with lots of natural light. Conveniently located in Carmel Valley off the 56. Close to schools, restaurants and shopping. Community has a park. In-unit laundry & 1-Car attached garage. Bella Rosa has solar electric power and solar water heating. Low HOA. **Deed Restricted Unit** Buyer must meet income and qualifications guidelines. Must contact listing agent for more information. DO NOT DISTURB OWNER PLEASE.

3890 Nobel Dr. 503 San Diego, CA 92122

$389,900
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.)

17199 W Bernardo Dr 103 San Diego, CA 92127

$395,000
2 Beds
2 Baths
944 SqFt
Status Pending
MLS # 210009446
Property Type Attached
Price Type --
Big Block Realty, Inc.
Check out this great move-in ready condo located in the desirable Waterbridge community of Rancho Bernardo! Featuring 2 bedrooms and 2 full bathrooms, this ground floor unit is packed with incredible value. Central heating and cooling, in-unit washer and dryer, private patio and not one but two deeded parking spaces! All of this tucked away in the beautifully maintained community grounds which include a swimming pool/spa, gym, BBQ, playground & club house. HOA pays water, gas & trash too! Centrally located to everything and easy access to highways makes this location incredibly convenient. Poway Unified School District round out this home making it the perfect opportunity under $400,000.

3890 Nobel 303 San Diego, CA 92122

$399,000
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)

10313 Azuaga Street 56 San Diego, CA 92129

$399,000
2 Beds
2 Baths
881 SqFt
Status Pending
MLS # NDP2104118
Property Type Attached
Price Type --
Coldwell Banker Realty
Top of the world living! This charming 2 bedroom 2 full bath condo is part of the Terra Vista community in highly desired Rancho Penasquitos. The natural light lasts all day as the home rests on the south side of the complex. As you walk into your top unit be sure to notice the new vinyl flooring, new carpet, new baseboards and blinds throughout the home. You'll be sure to love all the new appliances in your kitchen ranging from a Samsung Microwave and Range oven to your new LG french door refrigerator. The home is also equipped with a brand new stackable LG washer and dryer... Oh and did i mention the home has a Ring doorbell for safety.... This place has it all! The master bedroom is located in the back with 2 large closets and a dual vanity sink with new light fixtures. The community has a pool and spa for those hot summer days when you just want to BBQ and hang out at the pool side. This is an ideal starter home and one you don't want to miss...

3890 Nobel 903 San Diego, CA 92122

$399,000
2 Beds
2 Baths
1,153 SqFt
Status Pending
MLS # 200052410
Property Type Attached
Price Type --
Berkshire Hathaway HomeService
Luxury Retirement Living (62 years+). This Northwest corner unit on 9th floor Boast excellent views, spacious living room, separate dining room, formal entry & balcony. Monthly HOA fee includes: fitness center & heated pool & 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 supplement).

11271 Avenida De Los Lobos A San Diego, CA 92127

$420,000
2 Beds
2 Baths
894 SqFt
Status Pending
MLS # NDP2103512
Property Type Attached
Price Type --
eXp Realty of California, Inc
Amazing Location! Convenient to award winning Poway Schools, I-15 freeway, shopping, dining, and entertainment. Community features pool and spa, tennis courts, playground, and walking paths. 2 bedroom 2 bathroom condo features private patio, fireplace and in-unit laundry, 2 assigned parking spaces with a storage cabinet.

13343 Rancho Penasquitos Boulevard B202 San Diego, CA 92129

$425,000
2 Beds
2 Baths
833 SqFt
Status Pending
MLS # OC21067513
Property Type Attached
Price Type --
Keep Your Keys, Inc.
Gorgeous, quiet and peaceful second level unit has open floor plan, upgraded kitchen, private patio, in unit laundry. Assigned Parking, private complex of only 176 units with amenities such as pool, spa, clubhouse, gym, bbq areas, playground, racquetball, volleyball and tennis courts. Easy access to both the 15 and 56. Buyers welcome

10333 Azuaga St 237 San Diego, CA 92129

$430,000
2 Beds
2 Baths
881 SqFt
Status Pending
MLS # 210008557
Property Type Attached
Price Type --
Realty Source, Inc.
Situated in a very quiet location at the Terra Vista 1 complex, this Dual Master Suite 2 BR 2 BA end unit condo has been fully renovated. The kitchen is upgraded with quartz countertops, new cabinets and new modern appliances. All new laminate flooring throughout and the bathrooms are also installed with new fixtures. A fireplace sits in the middle of the Living Room. Excellent for first time homebuyers and investors alike. Family friendly community in the sought after Poway School District. Close to freeways and main highways. Stacked Washer and dryer in unit and a large patio with an extra storage room. Enjoy the Terra Vista community pool, spa, gym and laundry facilities.

14137 Caminito Quevedo San Diego, CA 92129

$440,000
2 Beds
1.5 Baths
1,056 SqFt
Status Pending
MLS # 210008945
Property Type Attached
Price Type --
HomeSmart Realty West
-RECENTLY UPDATED- FEATURES- TWO FLOORS- NEWER KITCHEN, NEWER STAINLESS APPLIANCES- NEWER CABINETS AND COUNTER TOPS, NEWER WOOD VN PLANK FLOORS, NEWER WINDOWS & SHUTTERS, NEWER DOORS, NEWER CARPET IN BEDROOMS, CUSTOM BEDROOM CLOSET- BUILT-INS. -FRONT LOADING WASHER & DRYER, UPDATED BATHROOMS- BATHROOM VANITIES & COUNTER TOPS. -TANKLESS WATER HEATER- SPACE SAVER, NEW AIR CONDITIONER. -ENJOY A NEIGHBORHOOD POOL, AWARD WINNING POWAY SCHOOLS. -CLOSE WALK TO STORES & PLAZA. -NEAR BY PARKS, AND SCHOOLS. -EASY WORK ACCESS. -GREAT CONVIENT LOCATION. -SEND ALL OFFERS

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.

9816 Caminito Cuadro San Diego, CA 92129

$449,000
2 Beds
1.5 Baths
1,080 SqFt
Status Pending
MLS # PTP2101099
Property Type Attached
Price Type --
1st Choice Properties
Wonderful townhome in most desired Penasquitos Pines Freeway, shopping, dining convenient! Entry is on first floor and stairs lead you to fantastic 2 bedroom, 1.25 bath upgraded condo! Great breezes from the large balcony/patio. Functional floorplan. Full size laundry closet.