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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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17195 W Bernardo Dr 207 San Diego, CA 92127

$349,999 - $359,999
2 Beds
2 Baths
944 SqFt
Status Active
MLS # 200000111
Property Type Attached
Price Type --
Top Coast Properties Inc.
Investor buyer only . 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. 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. Unit comes with 2 parking spaces.

17161 Alva 2738 San Diego, CA 92127

$399,000 - $410,000
2 Beds
2 Baths
899 SqFt
Status Active
MLS # 190058985
Property Type Attached
Price Type --
Coldwell Banker Res. Brokerage
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.

11168 Poblado Road San Diego, CA 92127

$435,000
2 Beds
1.5 Baths
1,116 SqFt
Status Active
MLS # 200000440
Property Type Townhome
Price Type --
Coldwell Banker Res Brokerage
Beautiful townhouse located in the Westwood Community of Rancho Bernardo! This 1,116 sq ft townhouse features 2 bedrooms, 1.5 bathrooms, new appliances, including washer & dryer, dual-pane windows, upgraded high efficiency heating and A/C units, mountain views, two patios and walking distance to Westwood Elementary in the highly desirable Poway Unified School District! Property includes access to the highly regarded Westwood Club which features swimming pools, spa, tennis courts, fitness center and more!

7150 Shoreline Dr. 3309 San Diego, CA 92122

$469,750
2 Beds
2 Baths
848 SqFt
Status Active
MLS # 200002287
Property Type Attached
Price Type --
Charnholm & Associates
Enjoy this convenient location nestled right in the heart of the Golden Triangle! Easy access to I-5 and 805 freeway. Look out onto the beautiful canyon from any room in this light-filled abode. Love the luxury of being on the top floor with no unit above. Situated in a private and quiet location of the complex with no units behind and only one shared wall. This fantastic space features....see supplement.....

7120 Shoreline Drive 2208 San Diego, CA 92122

$475,000
2 Beds
2 Baths
848 SqFt
Status Active
MLS # OC20003708
Property Type Attached
Price Type --
Dalton Real Estate
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 enjoy the units canyon view or just relax

3546 Seahorn Circle San Diego, CA 92130

$521,900 - 2Br/2Ba -  for Sale in Carmel Valley, San Diego
Open House
New
$521,900
2 Beds
2 Baths
942 SqFt
Status Active
MLS # 200002799
Property Type Attached
Price Type --
eXp Realty of California Inc
Fabulous upper level Carmel Valley condominium in Del Mar Highlands! Soak in the sun on large entry balcony. Enjoy the warm fireplace in your living room. The light and bright kitchen is great for entertaining overlooking the living and dining areas. The master bedroom features great closet space and large shower. Enjoy the convenience of your own in-unit laundry and your private 2 car garage. Del Mar Highlands offers resort like amenities. This unit is minutes from beaches, hiking, shops, and eateries!

7405 Charmant Dr 1915 San Diego, CA 92122

$500,000 - $525,000
2 Beds
2 Baths
1,037 SqFt
Status Active
MLS # 190062901
Property Type Attached
Price Type --
Keller Williams SD Metro
Great Deal ~~Below most recent sold comps ~ Spacious dual master 2 bedroom in highly sought after Verano La Jolla. Quiet location with patio overlooking courtyard. In unit washer and dryer. Verano La Jolla offers 2 pools, 2 spas, saunas, fitness center, internet café, 2 BBQ facilities. Two secure underground parking.

7445 Charmant Dr. 1703 San Diego, CA 92122

$515,000 - $535,000
2 Beds
2 Baths
1,037 SqFt
Status Active
MLS # 190056659
Property Type Attached
Price Type --
Abacus Properties Inc.
Great location overlooking greenbelt, with no neighbors directly in front of or behind the unit. Open floorplan, dual pane windows, dual master suites, breakfast bar. A truly ground floor unit with no stairs leading to the unit. Around the corner from Vons, restaurants, shops. 5 minute drive from UTC, bus stops, hospitals, highways. 5-10 minute drive to the beaches of La Jolla. Amenities include walking path, 2 pools, sauna, fitness center, internet cafe. Onsite property management.

3440 Lebon Dr. 4119 San Diego, CA 92122

$535,000
2 Beds
2 Baths
956 SqFt
Status Active
MLS # 190064349
Property Type Attached
Price Type --
ERA Ranch & Sea Realty
Welcome home to this fully renovated ground floor condo in the heart of UTC. This gorgeous condo offers 2 master suites on separate sides. Renovation includes, brand new quality kitchen cabinets, modern Quartz countertop in kitchen and bathrooms, new quality laminate floors throughout, new paint, new energy saving LED lighting, All new stainless steel appliances and new stack washer/dryer. Walking distance to Westfield mall, shopping, dinning, grocery. Short drive to beautiful beaches in La Jolla.

3565 Caminito El Rincon 209 San Diego, CA 92130

$515,000 - $549,000
2 Beds
2 Baths
944 SqFt
Status Active
MLS # 190062475
Property Type Attached
Price Type --
Compass
Recently upgraded ground floor corner unit with resort-style amenities, including pool, tennis court, gym, spa, and sauna.  This unit is move-in ready with new refrigerator, new flooring, new blinds, new paint and more.  Living room features an electric fireplace plus a large covered patio with oversized utility closet for washer/dryer.  One assigned carport space and one open space. Located down the street from the new One Paseo complex and its amazing shops and restaurants. Perfect location!

3890 Nobel Dr 1008 San Diego, CA 92122

$549,900
2 Beds
2 Baths
1,226 SqFt
Status Active
MLS # 190063119
Property Type Attached
Price Type --
Keller Williams SD Signature
Enjoy luxurious retirement in the highly desirable Pacific Regent La Jolla community! This delightful condo features bright natural light, in-unit washer/dryer gorgeous views & private balcony access from living room & master bedroom. Premium & extensive amenities include: 24-hr concierge, complimentary valet, transportation, weekly housekeeping, fitness center, indoor heated pool/spa, sophisticated library, & gourmet dining room! Grocery stores, movie theater & Westfield UTC Mall all within 1 mile!

5359 La Jolla Blvd 24 La Jolla, CA 92037

$555,000
2 Beds
2 Baths
1,012 SqFt
Status Active
MLS # 190046971
Property Type Attached
Price Type --
Coldwell Banker West
Rare Bird Rock unit at La Jolla's Carpri Aire. 2 bedroom, 2 bath with large main bedroom including its own private patio. Huge living room with west facing views and another patio. Each bedroom features an ensuite bath. Light filled spaces, hard wood floors, and includes a garage with storage. Quick two block jaunt to the beach, and nearby restaurants and boutiques.