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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).

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17161 Alva 2738 San Diego, CA 92127

$399,000 - $405,000
2 Beds
2 Baths
899 SqFt
Status Active
MLS # 200009567
Property Type Attached
Price Type --
Coldwell Banker Realty
Back on the Market due to no fault of seller. 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.

4055 Porte La Paz 141 San Diego, CA 92122

$435,000 - 2Br/2Ba -  for Sale in Utc/la Jolla, San Diego
New
$435,000
2 Beds
1.5 Baths
806 SqFt
Status Active
MLS # 200025082
Property Type Attached
Price Type --
Century 21 Award
Super popular upper La Paz 2 bedroom located in lush greenbelt setting surrounded by tall swaying trees and vibrant westerly sunlight with soft colors, plush carpet, dual pane windows, private interior laundry, two separate bathroom vanities, Large br w roomy walk in closet, 2 breezy balconies,washer, dryer, refrig included, 2 res parking spaces convenient UCSD, La Jolla Colony Vons & 4 nearby malls- vibrant, bustling UTC/La Jolla near shopping, theaters, restaurants, shopping and nearby La Jolla beaches!

17442 Caminito Baya San Diego, CA 92127

$469,900
2 Beds
1.5 Baths
1,116 SqFt
Status Active
MLS # 200024278
Property Type Attached
Price Type --
Willis Allen Real Estate
SEE 3DVIRTUAL TOUR! Beautifully remodeled townhouse located in the Westwood Community of Rancho Bernardo! This 1,116 sf home features an updated kitchen, newer appliances and new paint. Includes 2 bedrooms, 1.5 bathrooms, two patios and walking distance to Westwood Elementary in the highly desirable Poway USD! Green space access to creek and grass behind the home. Property includes access to the Westwood Club which features swimming pools, spa, tennis courts, fitness center, mini golf, & more!

7160 Shoreline Dr 4108 San Diego, CA 92122

$474,900
2 Beds
2 Baths
848 SqFt
Status Active
MLS # 200022499
Property Type Attached
Price Type --
RC Realty of San Diego
Highly upgraded ground floor unit in Lucera that's walking distance to UTC shopping center. This unit has a great canyon view and near the pool and Rec. center. Kitchen is upgraded with granite counter tops and stainless appliances and Refrigerator is included. 2 Master suites with ample closet space. Stack able laundry in unit. 1 Car shared garage that's near by. Complex features pool, Jacuzzi, Tennis Courts, Exercise Gym and Rec area. Great location in the complex near everything.

3890 Nobel Dr. 503 San Diego, CA 92122

$475,000
2 Beds
2 Baths
1,153 SqFt
Status Active
MLS # 200020202
Property Type Attached
Price Type --
Pacific Sotheby's Int'l Realty
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.)

13330 Via Magdalena 4 San Diego, CA 92129

$482,900
2 Beds
2 Baths
1,026 SqFt
Status Active
MLS # 200023574
Property Type Attached
Price Type --
Compass
Live the San Diego lifestyle! Beautiful and bright corner location in the highly sought after community of Monaco in Torrey Highlands. Great open floor plan with laundry room on the main living level and direct access attached garage. Well maintained neighborhood includes pool, spa, BBQ, and pocket parks. A short walk brings you to more than a dozen shopping and dining opportunities as well as top rated Westview High School. Easy access to Hwy 56 makes getting around San Diego a breeze.

3890 Nobel Drive 608 San Diego, CA 92122

$499,000
2 Beds
2 Baths
1,227 SqFt
Status Active
MLS # 200018592
Property Type Attached
Price Type --
Pacific Regent Realty
Beautiful views from every room of this well maintained and move-in ready 1227 SqFt, 2br/2 bath suite w/ walk-in closet at the luxury retirement, 62yrs+ Pacific Regent La Jolla. Features include: fitness center w/ heated indoor pool & spa, library & meeting rooms, gourmet style restaurant/room service, gated entry with 24 hour security/concierge desk, valet pking/gated underground pking, housekeeping, transportation, beauty/spa services, social programs & clubs to entertainment, enrich & exercise.

7415 Charmant 2513 San Diego, CA 92122

$505,000
2 Beds
2 Baths
1,037 SqFt
Status Active
MLS # 200011731
Property Type Attached
Price Type --
Century 21 Award
Most Popular Model Boasting Private Bedroom/Bath With Walk-In Closets, on Each Side Of Spacious Living Room With Gorgeous Laminate Flooring. This Model Offers Interesting Angular Architectural Design With Remodeled Kitchen Cabinets, Granite Counters And Stainless Steele Appliances. This Convenient Home Is Topped Off With Private Interior Laundry And Unbeatable Golden Triangle Location In Upscale UTC/La Jolla Near UCSD Shuttle Plus vibrant UTC/La Jolla location close to shopping, (continued on Supplement)

7405 Charmant Dr 1915 San Diego, CA 92122

$510,000
2 Beds
2 Baths
1,037 SqFt
Status Active
MLS # 200015831
Property Type Attached
Price Type --
Keller Williams SD Metro
Great Deal ~~ 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 salt water pools, 2 spas, saunas, fitness center, internet café, 2 BBQ facilities. Two secure underground parking spaces. 3D Tour: https://my.matterport.com/show/?m=zBm7nAdiVYf&mls=1

7405 Charmant Dr 2207 San Diego, CA 92122

$519,000 - 2Br/2Ba -  for Sale in Utc, San Diego
New
$519,000
2 Beds
2 Baths
934 SqFt
Status Active
MLS # 200024996
Property Type Attached
Price Type --
San Diego Sunrise Realty
Welcome home to a beautiful park like setting in La Jolla Colony. Two master suites with walk-in closets and open floor plan. Patio access from spacious living room, granite counter tops, upgraded dual pane windows. Verano La Jolla offers 2 pools, 2 spas, saunas, fitness center, 2 BBQ areas and internet cafe. Two secure underground parking spaces. Great location, just minutes away to the UTC shopping mall. Easy access to parks, shopping, transit, UCSD, restaurants and beaches.

3520 Lebon Dr 5101 San Diego, CA 92122

$519,900
2 Beds
2 Baths
956 SqFt
Status Active
MLS # 200023846
Property Type Attached
Price Type --
RC Realty of San Diego
Remodeled Villa Vicenza 1st floor unit that's walking distance to UCSD. Bus stops just outside the complex. New kitchen with Quartz counter tops and stainless appliances. Bathroom vanities are new with quartz counter tops. New flooring throughout and new paint and baseboards. Sought after complex with 2 underground parking spots. Complex features full gym and pool and jaccuzi. Great investment for students or UCSD employees.

4020 Porte La Paz 104 San Diego, CA 92122

$520,000
2 Beds
2 Baths
1,086 SqFt
Status Contingent
MLS # OC20082055
Property Type Attached
Price Type --
Harcourts Prime Properties
This is the home youve been waiting for! Highly desirable main floor location with two master bedrooms in the La Jolla Colony! This home is very light and bright with countless upgrades. Walk in and be impressed by the open floor plan with laminate wood flooring and attention to detail. Imagine entertaining in the kitchen featuring newer granite countertops, newer cabinets, recessed lighting, and ample counter space. The laundry room features storage. Newer double pane windows in the home! The first maste