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).

Sort by:

7405 Charmant Drive 2225 San Diego, CA 92122

$524,999
2 Beds
2 Baths
934 SqFt
Status Active
MLS # 200015044
Property Type Attached
Price Type --
24/7 Realty Inc
Located only minutes from I-5, I-805, UCSD, beaches and the variety of dining and retail shops at UTC’s newly renovated Westfield mall, this 2 bed, 2 bath home features a complete remodel. Brand new luxury vinyl plank floors and high quality carpet. Light and bright home with a modern kitchen with granite counter tops, large master suite, walk in closet, laundry, balcony, 3 parking spots, great amenities, and low HOA.

7565 Charmant Dr 409 San Diego, CA 92122

$525,000
2 Beds
2 Baths
1,037 SqFt
Status Active
MLS # 200024397
Property Type Attached
Price Type --
Compass
Premium home in La Jolla Colony where you can enjoy the many amenities the Verano Complex has to offer...pool, gym, open grassy areas, secure underground parking and close proximity to beaches, UCSD, parks, shopping, entertainment & restaurants. This open floorplan unit has a large balcony that faces the green area. Dual pane windows provide noise cancellation & energy efficiency. Kitchen is a dream to cook in with stainless steel appliances, and plenty of counter space. Each bedroom has it's own bath.

8889 Caminito Plaza Centro 7212 San Diego, CA 92122

$538,000
2 Beds
2 Baths
956 SqFt
Status Active
MLS # 200024344
Property Type Attached
Price Type --
Century 21 Award
Located in a highly sought after neighborhood, this condo offers two beautiful master suites, two balconies with individual storage closets, and faces a backroad with a quiet setting. FRESHLY painted, NEW SS appliances, double pane windows and in-unit laundry. Two assigned underground gated parkings with elevator that leads directly to your floor. Very close proximity to UCSD, UTC, bus stops, shops, restaurants and more! Building amenities including: pool, spa, gym, cyber cafe, and HOA office on site.

7545 Charmant Dr 1205 San Diego, CA 92122

$545,000
2 Beds
2 Baths
1,037 SqFt
Status Active
MLS # 200012784
Property Type Attached
Price Type --
Palisade Realty, Inc
Make yourself at home in La Jolla Colony's beautiful Verano Complex. Seller has spent $20K in upgrades to accommodate today's modern lifestyle. Every detail was carefully selected. Home features an open floor plan, new cabinets in the kitchen w/ soft closing mechanism, granite countertops, SS appliances & canned-lighting. Large front & back patio. 2 parking. Community has: pool & gym. Close to all: beaches, parks (Doyle Community & Villa La Jolla), UCSD, shopping, entertainment, freeways and so much more.

3850 Elijah Ct 916 San Diego, CA 92130

$549,000
2 Beds
2 Baths
953 SqFt
Status Active
MLS # 200015828
Property Type Attached
Price Type --
Redfin Corporation
Come and enjoy this gorgeous home that features a light and bright open floor plan that allows the living room, dining area and kitchen to flow seamlessly together. The living area is adorned with crown molding and plantation shutters for added elegance. Open the patio doors wide to let the cool breezes flow in all year long. The kitchen features crisp, white cabinetry, a walk-in pantry, an eat-at counter and stainless steel appliances. Video walk-through: https://player.vimeo.com/video/403574219

7405 Charmant Drive 2420 San Diego, CA 92122

$549,000
2 Beds
2 Baths
1,037 SqFt
Status Active
MLS # SB20084790
Property Type Attached
Price Type --
C-21 Union Realty
WELCOME TO LA JOLLA LIVING, WHERE BLUE SKIES MEET PERFECT WEATHER AND THE GREAT OUTDOORS! This 2-bedrooms/2-baths (full) condo would be a worthy pickup for anyone - savvy investor, young couple starting life together or someone just wanting to downsize into a home that would require less maintenance. Tucked-away at the Verano La Jolla complex, unit has dual master bedrooms with bathrooms en suite separated by the living area, a breakfast bar, laundry facilities inside, walk-in closets and a living room ba

3890 Nobel Drive 1504 San Diego, CA 92122

$550,000
2 Beds
2 Baths
1,200 SqFt
Status Active
MLS # 200021971
Property Type Attached
Price Type --
Pacific Regent Realty
Beautiful views from every room of this updated and move-in ready 1200 SqFt, 2br and 2 bath suite in the 62+ Pacific Regent La Jolla luxury retirement community. Features include: fitness center, heated indoor pool & spa, library & meeting rooms, gourmet style restaurant/room service, manicured grounds, gated entry with 24 hour security/concierge desk, valet parking/gated underground parking, housekeeping, transportation & beauty/spa services, social programs & clubs to entertain, enrich & exercise.

4155 Porte De Palmas 197 San Diego, CA 92122

$559,000
2 Beds
2 Baths
1,004 SqFt
Status Active
MLS # 200020276
Property Type Attached
Price Type --
Century 21 Award
Perfectly located Salinas model with sunny westerly exposure and preferred second story corner location with vaulted ceilings, well coordinated colors and tasteful decor plus cozy living room fireplace and handsome mantel, glorious rich wood floors, light, bright kitchen with lush, sunny landscaped view, plush carpet, private washer & dryer, spacious bedrooms with vaulted ceilings, track lights and light airy balcony, walking distance to La Jolla Vons, and just off UCSD shuttle (continued on Supplement)

8158 Avenida Navidad 11 San Diego, CA 92122

$565,000
2 Beds
2 Baths
1,179 SqFt
Status Active
MLS # AR20096757
Property Type Attached
Price Type --
Deasy Penner Podley
What an opportunity to live in a fantastic gated community and have access to everything within minutes of your front door. Easy access to freeways and close to UCSD, UTC Mall and Illumina. La Jolla City Club features resort like amenities which include pool/spa, tennis courts, BBQ, volleyball and recreation area. This single-story condo features 2 bedrooms and 2 bathrooms with a very open and functional floor plan consisting of 1179 square feet. Private patio area, fireplace and laundry hookups are just

4045 Carmel View Road 93 San Diego, CA 92130

$579,000
2 Beds
2 Baths
964 SqFt
Status Active
MLS # OC20095253
Property Type Attached
Price Type --
David Langdon, Broker
Hands down one of the best locations in Arborlake! This south facing 2 bed and 2 bath corner unit is light and bright, and features views of the peaceful lake from the kitchen, dining room, living room, and patio. This highly upgraded first floor home features 9 ceilings, granite countertops, crown mouldings, laminate flooring, designer baseboards, and a custom tiled patio. Arborlake amenities boast meandering streams, tranquil ponds, a large swimming pool, 2 hot tubs, a tennis court, clubhouse, and bbqs.

8533 Villa La Jolla Drive C La Jolla, CA 92037

$585,000
2 Beds
2 Baths
978 SqFt
Status Active
MLS # 200022008
Property Type Attached
Price Type --
Pacific Sotheby's Int'l Realty
Price just reduced! Live like you are on vacation in this gorgeous upstairs, corner condominium at Villa La Jolla. Enjoy watching sunsets on the large balcony, poolside, while surrounded by tropical landscaping and beautiful palm trees. This condo offers new modern paint throughout, ample closet space with modern mirrored closet doors, dual-pane windows, crown molding, Berber carpeting, vinyl planks, skylight in the kitchen, storage closet off patio and more. In proximity to UCSD, beaches, shopping.

3998 Nobel Dr 201 San Diego, CA 92122

$587,800
2 Beds
2 Baths
1,049 SqFt
Status Active
MLS # 200004976
Property Type Attached
Price Type --
Villa Realty, Inc.
UTC Gem! Single level condo in Gated community. Desirable corner unit with floor to ceiling windows in living room with fireplace and 2 private balconies. Washer & dryer in the unit with 2 assigned parking spots. Community lighted tennis courts, community pool & hot tub. Enjoy the city life or very good as rental including UCSD staff and students. HOA covers hot water, water, sewer, trash, roof, common area utilities and landscaping. Close to I-5, beach, eateries, entertainment and hiking trails.