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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 $
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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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8533 Villa La Jolla Drive G La Jolla, CA 92037

$595,000
2 Beds
2 Baths
978 SqFt
Status Active
MLS # 200018114
Property Type Attached
Price Type --
HomeSmart Realty West
Rarely available! Amazing poolside unit on top floor !Large sun-filled patio overlooks palm trees with a resort like atmosphere.Upgrades include granite countertops, stainless steel appliances, dual pane windows , crown molding and more! Well maintained Condo Complex with low HOA dues featuring 2 pools,2 Jacuzzi's,fitness center, barbeque.Ideally located near renowed UCSD campus.Near acclaimed La Jolla beaches,aquarium,trader Joes,Ralphs,& Whole foods,AMC Movies &UCSD Health.Freeway close,Dont miss out!

12221 Carmel Vista Road 207 San Diego, CA 92130

$615,000
2 Beds
2 Baths
1,269 SqFt
Status Active
MLS # SW20091961
Property Type Attached
Price Type --
Impact Real Estate
This Unique Condo is nestled in the exclusive community of the Lakes at Carmel Del Mar. This beautiful community has so many wonderful amenities! Come enjoy the outdoor community garden, koi fish ponds, ducks, BBQ areas and a pool/ spa. VA and FHA approved. You cant beat this condos location! It is close to free ways (8 minute drive to Qualcomm), and falls into the award winning San Dieguito school districts! Within walking distance to Del Mar Highlands, elementary school, and a large community park and s

909 Intrepid Ct Del Mar, CA 92014

$616,900
2 Beds
1.5 Baths
1,208 SqFt
Status Active
MLS # 200011210
Property Type Attached
Price Type --
Reali
Best building & location in all of Sprindrift because there is no freeway noise inside this home or on the private balcony. (There is freeway noise by the guest parking.) Come see for yourself how private and quiet living is at 909 Intrepid Ct! The home has a beautiful private patio, laundry room w/ a new washer & dryer, & attached garage with private entrance. New kitchen stove. Brand new carpet throughout. Enjoy Del Mar living at it’s best in this 2 BR, 1.5 BA townhome in the Spindrift Community.

3877 Pell Pl 423 San Diego, CA 92130

$618,888 - 2Br/2Ba -  for Sale in Pell Place, San Diego
New
$618,888
2 Beds
2 Baths
1,020 SqFt
Status Active
MLS # 200024914
Property Type Attached
Price Type --
San Diego Sunrise Realty
End unit! Nice view! Priced to sell! Highly desirable top floor unit with natural sunlight. Located in coveted Carmel Valley, this charming condo is part of the gated Pell Place community. The unit offers easy access to shopping and dining at Del Mar Highlands. In addition, you're surrounded by top rated schools and parks.The community features BBQ areas for entertaining and a fitness room. The spacious condo has an open floor plan with a large balcony, granite counters, laminate flooring. Welcome home!

12221 Carmel Vista Rd 200 San Diego, CA 92130

$619,000
2 Beds
2 Baths
1,269 SqFt
Status Active
MLS # 200022691
Property Type Attached
Price Type --
Swell Property
Here's your opportunity to own the biggest model in the Lakes, with a balcony overlooking the ponds & pool, away from the street & noise. The large loft area provides flexibility for home office, kids play space, or guest bedroom. Large attic space also provides much needed storage in condo living. The lakes is a beautiful community with lots of amenities & a location incredibly convenient to One Paseo & San Diego! Check out the virtual 3D Matterport! Either a fantastic investment or for yourself.

3887 Pell Place 232 San Diego, CA 92130

$619,999
2 Beds
2 Baths
1,020 SqFt
Status Active
MLS # PW20099366
Property Type Attached
Price Type --
First Team Real Estate
This is Southern California living at its finest! In the heart of Carmel Valley, this golden opportunity to enjoy the beautiful lifestyle that comes with Pell Place awaits. Saying Pell Place is in an excellent location would be a vast understatement. Pell Place is located within walking distance of The Carmel Valley Recreation Center, One Paseo (Premier Shopping Center), Del Mar Heights Shopping Center and Carmel Valley Middle School, which was recognized as a National Blue Ribbon School in 2018. The Cali

3295 Caminito Eastbluff 185 La Jolla, CA 92037

$625,000
2 Beds
2 Baths
1,031 SqFt
Status Active
MLS # 200010328
Property Type Attached
Price Type --
Larabee Real Estate
Well maintained unit in great location WEST OF THE 5 and close to UCSD. This property is tenant occupied with a lease that runs through November 29, 2020. Rental income is $2600/monthly. Unit has brand new kitchen counters, sink and faucet. Brand new carpet in bedrooms. This unit has a great floor plan and really allows you to spread out and make the home yours. There is a sunny, relaxing, private patio for you to enjoy and a two car garage with washer & dryer.

3857 Pell Place 104 San Diego, CA 92130

$627,800
2 Beds
2 Baths
1,020 SqFt
Status Active
MLS # 200011437
Property Type Attached
Price Type --
Keller Williams-Carmel Valley
B.O.M.! Carmel Valley lifestyle at it's finest!!! Fabulous luxury, quiet and secure two bedroom condo located on the first floor. Light and bright with brand new paint, this high end unit is within walking distance to all the fine dining and exclusive boutiques in Town Center and Paseo One!!! Amenties galore in this condo, featruring stainless steel appliances, and an in unit washer and dryer. Huge walk in closet in master bed room. Gorgeous, spacious and completely well maintained. Don't miss out!!!

7225 Calabria Court 91 San Diego, CA 92122

$639,000
2 Beds
2 Baths
1,019 SqFt
Status Active
MLS # 200021081
Property Type Attached
Price Type --
Berkshire Hathaway HomeService
Fresh! Brand new paint! BEST location upstairs unit facing the greenbelt in beautiful Capri in Renaissance. New central forced air AC/Heat, new carpet 2019. Kitchen & bathrooms feature granite counters and unique sinks. Plantation shutters throughout. Double balcony looking out to greenbelt. Walk-in Kitchen pantry & walk-in Master closet...Designer track lighting and granite faced fireplace. This was the showcase unit when the complex was built! Location! Location! Quiet & gorgeous! Must see!

3270 Via Marin 48 La Jolla, CA 92037

$642,500
2 Beds
1.5 Baths
1,112 SqFt
Status Active
MLS # 200018089
Property Type Attached
Price Type --
Douglas Elliman of California
Highly sought out end unit! This home is clean, bright and remodeled. Tile Flooring, Solar Tubes, Soft Water System, New Kitchen and Bath and attached 2 car garage. Location close to UCSD, shopping, restaurants, theaters and easy freeway access to the 5 and 52

8178 Avenida Navidad 33 San Diego, CA 92122

$599,000 - $649,000
2 Beds
2 Baths
1,084 SqFt
Status Active
MLS # 200021344
Property Type Attached
Price Type --
Realty One
RARELY AVAILABLE 2 BEDROOM 2 BATH, SINGLE LEVEL END UNIT,SOPHISTICATED,EXTENSIVELY REMODELED,SHOWS LIKE A MODEL/HIGHEST QUALITY MATERIALS/CRAFTSMANSHIP,BRIGHT TOP FLOOR END UNIT IN GATED COMMUNITY, WITH VIEWS OF TENNIS COURTS.MASTER BDRM RETREAT,CUSTOM CABINETS WITH GRANITE COUNTERS IN KITCHEN/BATHS.SMOOTH CEILING,NEW PAINT/SISAL CARPET,DUAL PANE WINDOWS,A/C. 2 COMMUNITY POOLS

3887 Pell Place 311 San Diego, CA 92130

$649,000
2 Beds
2 Baths
1,052 SqFt
Status Active
MLS # 200022029
Property Type Attached
Price Type --
Coldwell Banker Realty
One of the best locations in the complex. Popular plan 4 (2 separate masters) with panoramic views highly upgraded with custom paint, stainless steel appliances including new dishwasher & cook top, new luxury vinyl flooring throughout, recessed lighting and only one common wall. Washer, dryer & refrigerator included. Two assigned parking spaces in the garage. Complex has multiple BBQ areas with fountains, fully equipped Gym and putting green. Walk to schools, shops & rec center with access to pool & spa.