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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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3890 Nobel 903 San Diego, CA 92122

$399,000
2 Beds
2 Baths
1,153 SqFt
Status Active
MLS # 200052410
Property Type Attached
Price Type --
Berkshire Hathaway HomeService
Luxury Retirement Living (62 years+). This Northwest corner unit on 9th floor Boast excellent views, spacious living room, separate dining room, formal entry & balcony. Monthly HOA fee includes: fitness center & heated pool & 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 supplement).

8324 Regents Road 3n San Diego, CA 92122

$412,000
2 Beds
2 Baths
894 SqFt
Status Active
MLS # PTP2100471
Property Type Attached
Price Type --
Realty Executives Dillon
Lovely 2 Bed 2 Bath condo located in a gated community in the heart of La Jolla. The top floor unit features high ceilings as well as a beautiful and open floor plan with very spacious bedrooms on opposite sides of the unit. Sliding glass door leads to a quiet terrace with views of trees and the complex. An extra large window in the kitchen creates bright, light, and breezy airflow throughout the whole house. Enjoy the amenities of the complex, including 2 pools to relax by. Never worry about parking as t

3890 Nobel Dr. 503 San Diego, CA 92122

$399,000 - $425,000
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 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

$400,000 - $430,000
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)

13328 Caminito Ciera 15 San Diego, CA 92129

$437,900
2 Beds
2 Baths
889 SqFt
Status Active
MLS # 200054540
Property Type Attached
Price Type --
Active Realty
Charming 2 bedroom, 2 full bathroom, single story condo on the lower level in the highly desired community of Rancho Penasquitos in San Diego! Enjoy a light, bright, open floor plan with carpet flooring, an inviting fireplace, and an enclosed private patio. The kitchen offers white appliances, granite countertops, and oak wood cabinetry. Additional property highlights include a shower-in-tub, mirrored closet doors, and 1 assigned carport parking space. Community features include the swimming pool and spa.

6188 Agee St 231 San Diego, CA 92122

$439,900
2 Beds
1.5 Baths
956 SqFt
Status Active
MLS # 210001184
Property Type Attached
Price Type --
Redfin Corporation
Move-in-ready 2 bed/1.5 bath well-maintained condo in Central University City. Highlighting laminate wood floors, new appliances, new double-basin granite composite kitchen sink, upgraded backsplash and kitchen countertops, new dual-pane windows, newly updated half bath, LED lights, updated plumbing under sinks, new faucets, a large partially covered patio off the living room perfect for outdoor living, plus a balcony off the 2nd bedroom!

4080 Porte La Paz Unit 10 San Diego, CA 92122

$445,000
2 Beds
1.5 Baths
806 SqFt
Status Active
MLS # NDP2100761
Property Type Attached
Price Type --
Willis Allen Real Estate
Wonderful lower level condo located in La Jolla Colony. Large patio off the living room for outdoor entertaining. Two assigned parking spaces. Near hiking trails, La Jolla Colony park, UCSD, University Town Center, hospitals and restaurants. Easy access to freeways.

13754 Mango Drive 219 Del Mar, CA 92014

$455,500
2 Beds
2 Baths
804 SqFt
Status Active
MLS # NDP2000784
Property Type Attached
Price Type --
First Team Real Estate
New Year, New You, New Place? Then this is your place with location, location, and location!!! Here you are just a few blocks drive to downtown Del Mar, Del Mar racetrack/fairgrounds, with a BONUS!! shopping center across the street with grocery store, dry cleaners, fluff and fold, Starbucks, AAA, CVS. If that isn't enough there are plenty of places to dine out across the street plus One Paseo just a mile down the street and UTC just a few minutes drive. Want to be centrally located in San Diego County an

8889 Caminito Plaza Centro 7204 San Diego, CA 92122

$485,000 - 2Br/2Ba -  for Sale in Villa Vicenza, San Diego
New
$485,000
2 Beds
2 Baths
956 SqFt
Status Active
MLS # PTP2100496
Property Type Attached
Price Type --
Keller Williams SD Metro
This beautiful condo is located in central UTC in the Villa Vicenza complex. The second floor unit has two master suites each with a full bathroom and walk-in closet. The open floor plan features extra pantry storage and upgrades in the kitchen and bathrooms. The condo comes complete with a stackable washer and dryer as well as two balconies, each with an extra storage cabinet. You will enjoy the convenience of two underground parking spaces as well as access to a community gym, pool and cyber cafe with a

4060 Rosenda Ct 231 San Diego, CA 92122

$499,000
2 Beds
2 Baths
966 SqFt
Status Active
MLS # 210001806
Property Type Attached
Price Type --
Roger Epperson
Private, secluded second story home in La Paz. Generous afternoon light to the MBR, patio, and common areas which face the back hillside to the west--no staring into neighbors' windows! Vaulted ceilings in LR and DR. 7x7 walk-in closet in MBR; ensuite MBA. In-unit laundry closet with new W/D. Walking distance to La Jolla Colony amenities and easy access to UCSD, 5, 805, 52, UTC, and beaches. Be trolley ready!

7545 Charmant Dr 1309 San Diego, CA 92122

$518,900 - 2Br/2Ba -  for Sale in University City, San Diego
New
$518,900
2 Beds
2 Baths
934 SqFt
Status Active
MLS # 210002241
Property Type Attached
Price Type --
Active Realty
Gorgeous 2 bedroom, 2 bathroom, end-unit, 2 story condo in the Verano Community of San Diego! Enjoy a private courtyard, laminate wood flooring, and a light, bright, kitchen. The kitchen offers white cabinetry and white appliances. Additional property highlights include updated bathrooms, a laundry room, and 2 assigned covered parking spaces. Community amenities include the swimming pool, spa, clubhouse, walking paths, and more. Within walking distance to restaurants, shopping, markets, and major freeways

7575 Charmant Dr 1002 San Diego, CA 92122

$519,000 - 2Br/2Ba -  for Sale in Utc, San Diego
New
$499,000 - $519,000
2 Beds
2 Baths
934 SqFt
Status Active
MLS # 210001750
Property Type Attached
Price Type --
Big Block Realty, Inc.
Gorgeous turn-key top floor corner condo located in the resort style community of Verano in the heart of UTC! Freshly renovated w/accents of white/wood/sage & ready for move in. This unit has it all w/ multiple storage closets, full sized side by side laundry inside, private balcony off of the living room overlooking a community courtyard, fireplace, new plank wood flooring + carpet in bedrooms, kitchen features custom painted cabinets, granite counters & stainless appliances + 3 Parking Spots! See supp.