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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: $
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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).

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.)

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)

17123 West Bernardo 104 San Diego, CA 92127

$420,000
2 Beds
2 Baths
955 SqFt
Status Pending
MLS # 210019189
Property Type Attached
Price Type --
Anchor Funding, Inc.
Move In Ready! You will love this 2 BR 2 BA home located in the highly desired Waterbridge Community in Rancho Bernardo! This 1st level condo features beautiful flooring; decorator paint; upgraded dual-pane windows; SS appliances; granite countertops; A/C; 2-reserved parking spaces, and a W/D in unit! The Community includes a pool, koi ponds, BBQ, and a tot lot. Award winning Poway Schools! Close to Beach, Shopping, and Freeways.

17165 W Bernardo Drive 208 San Diego, CA 92127

$420,000
2 Beds
2 Baths
944 SqFt
Status Pending
MLS # 210019845
Property Type Attached
Price Type --
Douglas Elliman of California
Welcome to the beautiful and charming Waterbridge gated community! Easy access to I-15, minutes away from RB community park, shops, restaurants, Westwood Club, in Award-winning Poway Unified School District.

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.

17161 Alva Road 1531 San Diego, CA 92127

$469,000
2 Beds
2 Baths
968 SqFt
Status Pending
MLS # PTP2105037
Property Type Attached
Price Type --
Keller Williams Realty
Quiet. Peaceful. Serene. Top (3rd) floor home with soaring ceilings overlooking rolling hills. Beautiful deck location to enjoy a cup of coffee or entertain guests. Perfect floorplan wherein the bedrooms are separated by the living room, excellent for roommates, guests and/or other small individuals living in the home for privacy. Home has two assigned parking spots, one covered, one uncovered, just North of the stairs (very close!!).

3890 Nobel Drive 1008 San Diego, CA 92122

$480,000
2 Beds
2 Baths
1,226 SqFt
Status Active
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

8338 Regents Rd 2 O San Diego, CA 92122

$485,000
2 Beds
2 Baths
1,075 SqFt
Status Pending
MLS # 210015422
Property Type Attached
Price Type --
HomeSmart Realty West
Adorable condo in the heart of UTC! Spacious 2 bedroom, 2 bath. Balcony with flower box overlooking the resort style pool. Great UCSD rental opportunity. Close to shopping, freeways, and the beach! 2 car enclosed tandem garage PLUS, another 3rd parking spot outside. All together 3 parking spots! Recent improvements made to plumbing, electrical, new paint and more.

17161 Alva Road 1022 San Diego, CA 92127

$489,000
2 Beds
2 Baths
968 SqFt
Status Pending
MLS # 210015934
Property Type Attached
Price Type --
Sun & Company Inc
Best location in The Summit with views and far away from traffic noise! You will be impressed from the moment you step into this 2nd story unit with the open views of the greenbelt, spacing from the neighbors and quality of the upgrades! South facing home. Light and bright. This floor plan feels much larger w vaulted ceilings and lots of windows for natural light! Entire unit beautifully remodeled w granite counters, SS appliances & quality wood shaker style cabinets, decorator baseboards and new light fixtures. Walk-in closet. Award winning poway schools. Close to shopping and park. Easy access to highway. Don't miss out!

10311 Azuaga St 41 San Diego, CA 92129

$495,000
2 Beds
2 Baths
881 SqFt
Status Pending
MLS # 210020843
Property Type Attached
Price Type --
24/7 Realty Inc
Sought after first first floor 2-bedroom unit you have been waiting for! This beautifully maintained, perfectly located Terra Vista II unit is situated steps from the pool and fitness center. You will be minutes to both the I-15 & 56 freeways without the freeway noise for an easy commute! This open floor plan allows the living room, dining area and kitchen to flow seamlessly together. Patio opens with sliding patio doors allowing you to create the indoor/outdoor living atmosphere SoCal is known for. Two large bedrooms feature double closets, one with an upgraded shower and the other with a large upgraded tub. Minutes from hiking and biking trails, restaurants and top rated Poway Unified Schools!

9824 Caminito Cuadro San Diego, CA 92129

$495,000 - 2Br/2Ba -  for Sale in San Diego
New
$495,000
2 Beds
1.5 Baths
1,066 SqFt
Status Active
MLS # NDP2108793
Property Type Attached
Price Type --
Camden McKay Realty
Beautifully upgraded Rancho Penasquitos condo! This move in ready home features large open living room with slider to your large private balcony, perfect for entertaining. Updated kitchen with crushed quartz counter tops, new cabinets, recessed lighting and brand new appliances. Freshly painted, smart switches throughout, including brand new dual paned windows. Large master suite with walk in closet, and brand new Washer and dry in unit. This property comes with a one car garage equipped with an electric car charger it also has an additional parking space. Not only are the grounds and amenities beautifully maintained, the HOA fee includes; Water, Trash, Sewer, Spectrum Cable and Internet! Situated near great schools, restaurants, and shopping with quick access to 56 freeway & 15. ***Open House Saturday 11-2 and Sunday 1-4***

9418 Twin Trails Drive 104 San Diego, CA 92129

$498,500
2 Beds
2 Baths
927 SqFt
Status Active
MLS # CV21144077
Property Type Attached
Price Type --
CENTURY 21 EXPERIENCE
Perfect starter in a wonderful quiet community. It is ground unit perfect for someone who hates stairs. A two bedroom two bath gem. This property is in move-in condition. Did I mention laundry in unit!! It has a cute little private patio area too. 2 assigned parking spots 1 Covered and with extra storage. Lots of walking trails and pools Will not last. Water is included in HOA!