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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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3540 Caminito El Rincon 75 San Diego, CA 92130

$539,500
2 Beds
2 Baths
974 SqFt
Status Active
MLS # 200038216
Property Type Attached
Price Type --
McGregor and Associates
Largest floor plan in complex. Located in ideal location in Carmel Valley. Two master suites located in a secure ground level unit. Conveniently located to complex amenities. Close to beach and shopping. DO NOT DISTURB TENANT. Buyer to confirm all dimensions and features of property.

3998 Nobel Drive 201 San Diego, CA 92122

$557,000
2 Beds
2 Baths
1,344 SqFt
Status Active
MLS # 210001654
Property Type Attached
Price Type --
Century 21 Award
Popular Villa Europa Valencia model which is seldom on the market featuring high volume ceilings, numerous floor to ceiling windows in living room & dining room, handsome, bold living room fireplace, spacious large bedroom with a wall of windows and step-in Roman tub/shower. Villa Europa boasts classic Italian architecture, charming fountains/courtyard and central vibrant UTC/La Jolla location near UCSD shuttle, malls, theaters, restaurants and shopping galore! Bring your decorator ideas.

3890 Nobel Drive 1307 San Diego, CA 92122

$585,000
2 Beds
2 Baths
1,153 SqFt
Status Active
MLS # NDP2003078
Property Type Attached
Price Type --
Pacific Regent Realty
Beautiful views from every room of this beautifully updated 1,153 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.

3193 Evening Way Unit B La Jolla, CA 92037

$590,000
2 Beds
1.5 Baths
1,097 SqFt
Status Active
MLS # NDP2100631
Property Type Attached
Price Type --
Coldwell Banker Realty Com NRT
2 bedroom, 1.5 bathroom townhome with 1-car attached garage. Newer flooring, vinyl replacement windows, updated kitchen with tile flooring, granite counter tops, wood cabinets, and new appliances. Baths are also updated.

8427 Via Mallorca 118 La Jolla, CA 92037

$700,000
2 Beds
1.5 Baths
1,074 SqFt
Status Active
MLS # 210000149
Property Type Townhome
Price Type --
Big Block Realty, Inc.
Rarely-available corner unit townhome in highly desirable Woodlands West 1. This 2 bed 1.5 bath townhome features wide open views for maximum privacy with vaulted ceilings allowing for an abundance of natural light. Unit includes granite countertops throughout kitchen and bathroom. Enjoy 3 private balconies. Attached 2 car garage with ample storage, washer and dryer. LOW HOA! Walk to UCSD, The Shops at La Jolla Village & La Jolla Village Square. Close to the beaches, freeway and UTC mall

2618 Torrey Pines Road D18 La Jolla, CA 92037

$710,000
2 Beds
2 Baths
1,192 SqFt
Status Active
MLS # 200051803
Property Type Attached
Price Type --
Coldwell Banker West
Stunning corner, ground floor home boasting an oversized patio accessed via La Cantina Doors in the Living/Dining Area. Open floor plan & spacious living area- perfect for entertaining! Lovely gray wood floors throughout. Air Conditioning. Custom kitchen by Fischer Gross featuring: high-end KitchenAid appliances, abundant storage, bar w/ double wine fridge, beveled subway tile & marbled quartz countertops, water filtration system & much more.

5369 La Jolla Boulevard 17 La Jolla, CA 92037

$715,000
2 Beds
2 Baths
1,089 SqFt
Status Active
MLS # NDP2001554
Property Type Attached
Price Type --
ERA Ranch & Sea Realty
Welcome to this charming condo located in Bird Rock, one of the best neighborhoods in all San Diego. Grab a coffee and stroll down the street to explore the local shops and restaurants. The ocean is just a few blocks away where you can relax, surf or explore the tide pools. Come back to your light and bright condo with two bedrooms--each with their own bathroom. Modern kitchen with all new stainless steel appliances, single level living, private balconies, great storage and a highly desirable neighborhood

16750 Coyote Bush Drive 106 San Diego, CA 92127

$727,900
2 Beds
2 Baths
1,544 SqFt
Status Active
MLS # 210001327
Property Type Attached
Price Type --
Mark Schultz Broker
Avante is a Brand-New Luxury gated active adult community in the masterplan community of Del Sur. Shed the responsibilities of a traditional home and enjoy increased leisure time and a simplified active lifestyle. Enjoy the convenience of walking to local shopping and eateries nearby. This beautiful single-story home includes over $46,000 of added value. There’s nothing like it with its own private in-home elevator and an office and powder bath on the first floor. Access to Avante’s own clubhouse.

2500 Torrey Pines Road 303 La Jolla, CA 92037

$744,000
2 Beds
2 Baths
1,344 SqFt
Status Active
MLS # PTP2000745
Property Type Attached
Price Type --
Casas Advisors
Location, location, location! Great condo which is walking distance from La Jolla Shores and only minutes away from Prospect Street, the 5 freeway, and USCD. Enjoy great ocean views in a peaceful, quiet complex overlooking the Pacific Ocean. The unit offers large bedrooms and closets and a large living room area connected to the kitchen. Some resort-stlye amenities include a year-round heated pool (83 degrees), spa, sauna, exercise room, 2 lighted tennis courts, rec room, and security building. If you eve

7585 Eads Avenue La Jolla, CA 92037

$750,000
2 Beds
2 Baths
920 SqFt
Status Active
MLS # NDP2002322
Property Type Attached
Price Type --
Willis Allen Real Estate
LOVE OUR LOCAL 'WALK TO EVERYTHING' LIFE STYLE? LOOKING FOR VALUE, LIGHT AND SPACE? START WITH AN EASY OPEN FLOOR PLAN, ADD VAULTED CEILINGS, ADD SOPHISTICATION AND GRACE, NOW YOU HAVE THIS EFFICIENT VILLAGE FLAT. PRICED TO SELL AND EASY TO SHOW! NO EXTERIOR STORAGE ASSIGNED TO UNIT J. SOLD SUBJECT TO CURRENT LEASE. LEASED TO 08/31/2021 - RENT IS $2,700 PER MONTH - TENANT EMPLOYED AT UCSD - MUST CLOSE 2021 - 24 HR NOTICE TO SHOW -

8187 Via Mallorca La Jolla, CA 92037

$779,900
2 Beds
2 Baths
984 SqFt
Status Active
MLS # 200052354
Property Type Townhome
Price Type --
Berkshire Hathaway HomeService
La Jolla's Southpointe! Gorgeous light and bright SINGLE LEVEL end unit with private yard that has been remodeled and upgraded with custom touches throughout. This townhome has 2 bedrooms, 2 baths and an attached 2 car garage with pull down to loft storage. Vaulted ceilings with skylights, fireplace, and more. Newer appliances and washer-dryer in the garage. Not to be missed. These 1 story units in Southpointe are always in high demand. Wonderful location near the clubhouse, pool and a large grassy park.

1040 Coast Blvd S. 201 La Jolla, CA 92037

$875,000
2 Beds
2 Baths
976 SqFt
Status Active
MLS # NDP2001046
Property Type Attached
Price Type --
Willis Allen Real Estate
Beautiful highly desirable 2br/2ba single level condo across the street from La Jolla Cove and Scripps Park. Clean, quiet, bright floor plan, full kitchen, intercom entry, elevator, gated secure parking w/ 2 spaces and storage. Also includes two guest parking passes for two visitor car spaces. Walk along the ocean and to La Jolla shops and restaurants. Common patio overlooking the ocean to enjoy sunrises and sunsets.