Share

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).

Sort by:

10361 Azuaga St 192 San Diego, CA 92129

$405,000
2 Beds
2 Baths
881 SqFt
Status Active
MLS # 200037904
Property Type Attached
Price Type --
Windermere Homes & Estates
Beautiful updated condo located in Terra Vista community in Rancho Peñasquitos. Kitchen has newer tile flooring, marble counter, updated backsplash, and newer stainless steel appliances. Dual master bedrooms. Bathrooms have updated flooring and marble counters. Washer and dryer included with the unit. Central AC for the hot summer days and amazing mountain views from the balcony. Community gym and pool. Close to schools, freeway, and shopping centers.

13272 Salmon River 203 San Diego, CA 92129

$410,000
2 Beds
2 Baths
927 SqFt
Status Active
MLS # 200034684
Property Type Attached
Price Type --
Realty Source Inc
First time on the market! Offering this PREMIUM LOCATION in highly desirable Casa Blanca for your consideration. This top floor corner unit is light and bright and ready for your personal touches. It’s perfectly situated in a private and quiet location within the serene complex. Enjoy the amazing balcony view and relaxing sounds of the water feature just outside your door. Tropical landscaping line the pathways throughout the beautiful complex with 4 pools/spas and a clubhouse with BBQ for your enjoy

8324 Regents Road 2k San Diego, CA 92122

$415,000
2 Beds
2 Baths
894 SqFt
Status Active
MLS # 200034699
Property Type Attached
Price Type --
Berkshire Hathaway HomeService
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. Photos to follow

15263 Maturin Dr 12 San Diego, CA 92127

$429,000 - 2Br/2Ba -  for Sale in High Country West, San Diego
New
$429,000
2 Beds
1.5 Baths
949 SqFt
Status Active
MLS # 200038193
Property Type Attached
Price Type --
Coldwell Banker Realty
Nice ground level corner unit in the highly sought after Villa Taviana . Spacious, open floor plan kitchen with granite countertops, stainless steel appliances, breakfast bar, Stacked Full Size Washer/Dryer, Central Heat & AC, Private patio. The Complex offers electric car charging stations, state of the art gym, along with heated pool/spa,Tennis courts,BBQ area. Walking distance to shops & restaurants. Home is part of Award winning Poway Unified School District.

4060 Porte La Paz 29 San Diego, CA 92122

$429,900 - 2Br/2Ba -  for Sale in La Jolla Colony, San Diego
New
$429,900
2 Beds
1.5 Baths
806 SqFt
Status Active
MLS # 200038496
Property Type Attached
Price Type --
Berkshire Hathaway HomeService
Location is everything! Popular La Paz upper corner home featuring a spacious dining/living area with vaulted ceilings, large master br, 2 bathroom vanities, 2 carports, and washer/dryer in unit. BBQ & lounge peacefully on your oversized patio. Enjoy San Diego year-round by taking advantage of the community swimming pools or walk to nearby La Jolla Colony Park & Rose Canyon trails. 2 minutes to freeway access, close to UTC mall, shopping & restaurants and 11 minutes to La Jolla beaches!

8332 Regents G San Diego, CA 92122

$439,000
2 Beds
2 Baths
1,054 SqFt
Status Active
MLS # 200028376
Property Type Attached
Price Type --
Century 21 Award
Popular sought after 1 level floor plan with private backyard area for grass/plants/what have you, boasting remodeled kitchen with gorgeous cabinets and rich granite counters, tasteful decor with well-coordinated colors, stainless steel appliances, new laminate flooring, remodeled bathrooms plus preferred UCSD shuttle bus location (don't let high market time fool you as hoa tore up backyard to repair drainage-now finished off and completed) central, vibrant UTC/La Jolla close to shopping, schools, see sup

3890 Nobel Dr. 503 San Diego, CA 92122

$425,000 - $445,000
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 outdoor 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.)

6186 Agee St 264 San Diego, CA 92122

$450,000
2 Beds
1.5 Baths
956 SqFt
Status Active
MLS # 200031860
Property Type Attached
Price Type --
Big Block Realty, Inc
Location and Style! This beautiful 2 br 1.5 bath home is fully updated and ready for you to move in. The gorgeous vaulted ceiling make this spacious open home feel even bigger! Fully updated kitchen with open floor plan and remodeled baths with a modern design feel. Garage and in unit washer dryer hookup! Easy access to freeways, UTC and all that San Diego has to offer!

3890 Nobel Dr 303 San Diego, CA 92122

$425,000 - $450,000
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)

7150 Shoreline Drive 3202 San Diego, CA 92122

$465,500
2 Beds
2 Baths
848 SqFt
Status Active
MLS # 200025869
Property Type Attached
Price Type --
Pacific Sotheby's Int'l Realty
REDUCED! READY TO SELL!!! Welcome Home to this very special condo in Lucera. Centrally located - walking distance to restaurants, shopping, parks, colleges, libraries.Easy access to Beaches and freeways. Dual Master bedrooms, cozy fireplace, granite counters in kitchen plus breakfast bar. Balcony with great canyon views and storage closet. Community pool, spa and gym, picnic areas and BBQ's, tennis courts and clubhouse. See Supp

7180 Shoreline Drive 5113 San Diego, CA 92122

$468,000
2 Beds
2 Baths
848 SqFt
Status Active
MLS # 200029665
Property Type Attached
Price Type --
Ilko Realty
Resort style living at its best.Take a look at this excellent cenrally located condo near the UTC mall, resaurants and night life.Easy access to all major freeways.Play a full court basketball game, tennis match or a game of raquetball in this well maintained community.2 realxing pools with spa is all you need after a long day.You will not be disappointed with this great 2BR in quiet area of complex.

3969 Mahaila Ave 204 San Diego, CA 92122

$469,000
2 Beds
2 Baths
1,000 SqFt
Status Active
MLS # 200035935
Property Type Attached
Price Type --
Thank You Heroes Realty
HUGE PRICE REDUCTION!!!!!! 2 MASTER BEDROOMS WITH FULL BATHROOMS! This unit is rarely on the market. Spacious floor plan with a master suite on either side of the home, perfect for 2 singles, a couple or with kids. If you want privacy, this is for you. Inside laundry, 2 parking spots in a secured lot, storage, easy elevator access. These units are high demand because of the dual master suites, fireplace, location and secure building. Enjoy being close to shopping, dining and your favorite beach!