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).

* Separate multiple values with comma.

Sort by:

17081 W Bernardo Dr #104 San Diego, CA 92127

$339,900
2 Beds
2 Baths
955 SqFt
Status Active
MLS # 190052307
Property Type Attached
Price Type --
Coldwell Banker Res. Brokerage
Updated, beautiful Condo. Owner/contractor remodeled this popular 955 sq. ft. floor plan by installing new wood look laminate flooring, baseboards, ceramic tile floors, dual paned windows and slider, modern vertical blinds, skip troweled ceilings and fresh paint. The upgraded kitchen boasts new stainless Kenmore range and LG dishwasher. The microwave and refrigerator are included as well as the stacked washer/dryer. Please see supplement!!

17151 W Bernardo Drive 203 San Diego, CA 92127

$344,900
2 Beds
2 Baths
944 SqFt
Status Active
MLS # 190049176
Property Type Attached
Price Type --
Big Block Realty, Inc.
Welcome Home! This unit has the BEST view on the market right now! Whether you like to start your day off at the fitness center, relax by the pool and read a book, or take a nice stroll around the complex walking trails, this is the unit for you! With a vaulted ceiling, in-unit laundry, a large balcony & the privacy of being on the top floor - come take a look before it's gone!

17119 W Bernardo Dr 108 San Diego, CA 92127

$349,000
2 Beds
2 Baths
955 SqFt
Status Active
MLS # 190057469
Property Type Attached
Price Type --
Windermere Homes & Estates
Wonderful 2 bedroom 2 bath lower level condo in the sought out community of Waterbridge! Move in ready! Spacious living area with a great kitchen and a private patio to relax on. Park like setting with beautiful landscaping and ponds, playground, clubhouse, pool, spa and exercise room. Close to shopping, freeways, restaurants and golf. Award winning Poway Unified School District.

17075 W Bernardo Dr 108 San Diego, CA 92127

$350,000
2 Beds
2 Baths
955 SqFt
Status Active
MLS # 190058407
Property Type Attached
Price Type --
GL Realty & Investments
Location of unit is key! Wonderful ground level, corner unit w/ pond views! Kitchen has granite countertops & stainless appliances. The unit offers ceiling fans, private laundry & patio/LR views of the pond yet private w/ shrubbery & tree. Master features ensuite bath. Central A/C & 2 reserved parking spaces. Unit 108 does not look into or at other condos or parking lot but has beautiful park-like location with pond /open space views. Warrantied upgraded Milgard windows. Flooring is open for negotiation!

17185 West Bernardo Drive 104 San Diego, CA 92127

$349,000 - $354,000
2 Beds
2 Baths
944 SqFt
Status Active
MLS # 190051268
Property Type Attached
Price Type --
Real Estate Broker Services
Charming, Bright single story home located in the quite section of the complex close to the community pool, spa and workout gym. This unit has been updated with wall to wall designer tiles (no carpeting here), granite counter tops stainless steel appliances. two (2) assigned parking spaces, two (2) full bath. the community offers tons of amenities: Park like setting with lush landscaping and ponds, pool & spa, workout gym and playground. close to award wining Poway schools, shops and freeway.

13343 Rancho Penasquitos Blvd B 202 San Diego, CA 92129

$354,900
2 Beds
2 Baths
833 SqFt
Status Active
MLS # 190054844
Property Type Attached
Price Type --
Pacific Paradise Realty
Turn key, 2nd floor unit. Incredible 2 bedroom & 2 bath floor plan. 5 years new kitchen cabinet and granite counters. Newer front loading washer and dryer. New windows and sliding door. Complex offers playground, pool, tennis courts, fitness center, BBQ areas & much more. One assigned parking spot with great street parking opportunities. Poway School District. Easy access 56 & I-15.

17195 W Bernardo Dr 207 San Diego, CA 92127

$349,999 - $359,999
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. Unit comes with 2 parking spaces.

13323 Rancho Penasquitos Blvd D203 San Diego, CA 92129

$359,999
2 Beds
2 Baths
833 SqFt
Status Active
MLS # 190056528
Property Type Attached
Price Type --
Adam Jones Real Estate
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. This unit features brand new flooring throughout, a spacious living room with fireplace, and large balcony. Cantabria features a community pool and spa, as well as clubhouse and gym.

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.

4065 Porte La Paz 155 San Diego, CA 92122

$410,000
2 Beds
2 Baths
966 SqFt
Status Contingent
MLS # 190060270
Property Type Attached
Price Type --
Keller Williams La Jolla
**Great Opportunity **Priced to Sell Lowest Price reflects Fixer !!** Look at comps!! **Full 2Bdr 2Bath**, Inside full Laundry** 2 Covered assigned Parking with small storage. Well Maintained Complex with low HOA fees, Pool and Spa, Close to Freeways, Shops, Schools, UCSD, Scripps, Restaurants!! **Upstairs end Unit and Balcony**Quite Location. **Priced low for you to upgrade and choose what you like !!** **Ideal University City Location for couple, Investor!! **

17161 Alva Rd 916 San Diego, CA 92127

$415,000
2 Beds
2 Baths
968 SqFt
Status Active
MLS # 190060331
Property Type Attached
Price Type --
Redfin Corporation
This first-floor, corner unit with mountain views will warmly welcome you as you enter and gaze upon a light and bright open floor plan that allows the living room, dining area and kitchen to flow seamlessly together. The kitchen features crisp, white cabinetry and appliances, granite counters and an eat-at counter. Open the patio door wide for the ultimate indoor outdoor living or snuggle up to a cozy fire when the weather needs a little assistance.

9856 Caminito Cuadro San Diego, CA 92129

$419,000
2 Beds
1.5 Baths
1,088 SqFt
Status Active
MLS # 190057853
Property Type Attached
Price Type --
Urban Dwellings
Rare find- 2 story town home with private fenced yard & 1 car garage w/direct access from home. Downstairs features fireplace, spacious family rm, dining rm, kitchen & half bathroom w/washer & dryer. Upstairs features 2 bedrooms, both with large closets & custom organizers, & full bathroom. Dual pane windows & plantation shutters. HOA dues include water, sewer, trash, basic cable. No Mello Roos. Located in award winning Poway school district.Close to freeway, shopping, restaurants & parks. No road noise.