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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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935 Genter St 203 La Jolla, CA 92037

$879,000
2 Beds
2 Baths
1,054 SqFt
Status Active
MLS # 210001985
Property Type Attached
Price Type --
Compass
Beautiful 2 bedroom,2 bath condo in La Jolla Cove. This light and bright condo features private patio with ocean view, travertine floors and granite counter tops in kitchen. Private parking spot in the underground garage.

424 Stratford B20 Del Mar, CA 92014

$895,000
2 Beds
2 Baths
1,278 SqFt
Status Active
MLS # NDP2100804
Property Type Attached
Price Type --
Dave Stubbs Real Estate, Inc
LUXURY LIVING IN THE HEART OF DEL MAR ~ ELEGANTLY REMODELED FROM TOP TO BOTTOM! Located in the ocean front community of Normandy by the Sea. Spacious, sunny, single level condo features open living/dining area, gourmet kitchen, huge master bedroom plus large second bedroom and bath. Peek ocean view from living room. Located on the second floor with easy access to the elevator and parking garage. 1 reserved parking space across from the elevator and two storage bins. Community features pool, spa and ocean

2488 Azure Coast La Jolla, CA 92037

$1,048,000
2 Beds
2 Baths
1,700 SqFt
Status Active
MLS # 200039908
Property Type Detached
Price Type --
Berkshire Hathaway HomeService
Pride of ownership does not begin to describe the care that went into remodeling this house to make it a home. This home is ideal as a permanent residence or second home and is walking distance to the Shores, local shops and restaurants and the ocean. Special features are in abundance and include cathedral ceilings, recessed lighting, many new appliances, porcelain tiling in the downstairs family room and two separate decks - See supplement.

7555 Eads Ave 18 La Jolla, CA 92037

$1,289,000
2 Beds
2 Baths
1,646 SqFt
Status Active
MLS # NDP2100273
Property Type Attached
Price Type --
Willis Allen Real Estate
This gorgeously remodeled top floor, single story 2BR/2BA at Venezia overlooking the pool is an unbelievable find! Instant gratification and tremendous value will be had with the lifestyle that comes with the sophisticated yet comfortable style of this turnkey unit in a perfect in-village location. The appeal of spending time inside this professionally designed home is only surpassed by the temptation to get out and enjoy all of the amenities that are the Village of La Jolla with its parks, beaches and (o

339 Rosemont Street La Jolla, CA 92037

$1,395,000
2 Beds
2 Baths
1,010 SqFt
Status Active
MLS # 200038201
Property Type Attached
Price Type --
Berkshire Hathaway HomeService
Looking to Relocate. Beautiful 2 bed 2 bath at Windansea Beach a free natural water/park great for swimming, surfing, sunbathing, fishing, kayaking. You can live your dream and stay very well fed with the new Valley Farms nearby. In these times with working remotely it's so wonderful to stay healthy with activities such as Earthing which are long walks in the sand during sunlight. You will love this location and the endless fresh ocean air. One of the few roof decks with a built in TV built at the top.

1001 Genter St. 5f La Jolla, CA 92037

$1,395,000
2 Beds
2 Baths
1,648 SqFt
Status Active
MLS # 210001193
Property Type Attached
Price Type --
Berkshire Hathaway HomeService
Luxurious living at the prestigious Seville building located in the Village of La Jolla. Spacious unit features unobstructable ocean, village and sunset views and floor to ceiling windows for plenty of natural lighting. Hardwood floors, granite counter tops and fine finishes throughout. The Seville offers 24-hour door service, concierge, secure gated parking, pool, spa, exercise room and a library and is within walking distance to the Village, beach, restaurants and shops of La Jolla.

1001 Genter 2h La Jolla, CA 92037

$1,475,000
2 Beds
2 Baths
2,061 SqFt
Status Active
MLS # 200053829
Property Type Attached
Price Type --
Berkshire Hathaway HomeService
Spacious floor plan with views of the Pacific and sunsets every evening, this lovely condo has been freshly painted and has all new flooring. The living room features recessed lighting, perfect for displaying art. This is one of only a few units with a fireplace. The second bedroom has anteroom, with parquet flooring, perfect for an office or studio. The large galley kitchen has a sunny eat-in area, washer/dryer and plenty of storage. Located just a short walk from village amenities and farmer's market

1001 Genter Street 10e La Jolla, CA 92037

$1,590,000
2 Beds
2 Baths
1,806 SqFt
Status Active
MLS # NDP2000651
Property Type Attached
Price Type --
Willis Allen Real Estate
Now Staged as well as reduced! Trust Sale. Sweeping ocean and village views North and West from the Seville! Maple upgraded front door and interior doors, previously remodeled kitchen, granite countertops in kitchen and both baths, walnut laminate wood floors, freshly painted, dual-paned windows, large laundry room, rare floor plan. Community features including community pool is heated year-round, spa, gym/ fitness center and library, Additional community laundry on garage level. Walk to village shops, re

1001 Genter 5d La Jolla, CA 92037

$1,895,000
2 Beds
2 Baths
1,941 SqFt
Status Active
MLS # 200052198
Property Type Attached
Price Type --
Compass
Gorgeous remodel with a contemporary design. This spacious condo offers an open floor plan with phenomenal natural light, unobstructed ocean, golf course and evening city light views. two-bedroom with a bonus room that can be used as a Den or office. The Seville building offers 24 hour doorman on site management and maintenance, pool, spa, gym & library. Short walk to village shops and restaurants.

939 Coast Blvd. 16g La Jolla, CA 92037

$2,150,000
2 Beds
2 Baths
1,799 SqFt
Status Active
MLS # 200052245
Property Type Attached
Price Type --
Berkshire Hathaway HomeService
Living in 939 Coast Blvd. is a lifestyle. A lifestyle of convenience, service and beauty. Listen to the waves from a spectacular unit while enjoying full concierge benefits in this well managed oceanfront building. 939 is the only oceanfront building in La Jolla that offers these benefits PLUS a beautifully maintained pool, spa and barbecue area. This unit and the one next door (unit 16F) can be combined to make a spectacular 3700+ sq. ft. home. this is how so many of us dream about living. See suppl.

5460 La Jolla Boulevard G301 La Jolla, CA 92037

$2,199,000
2 Beds
2 Baths
1,676 SqFt
Status Active
MLS # 200049531
Property Type Attached
Price Type --
La Jolla Real Estate Finder
Enjoy this spectacular Seahaus La Jolla Ocean View. Top Floor Condo. From the Living Room, The Master Bedroom, and the Balcony. Wake up to the Ocean View from the Master Bedroom in this top Floor Unit at this upscale community of the Seahaus La Jolla. Viking Pro, Kitchen Aid Appliances. Full Size Washer and Dryer. Dining Room, and great Ocean View Living Room. Two assigned side by Side Parking spaces. Assigned storage unit. Walk-in Closet, Two Bedrooms, two Bathrooms. Laundry Room, Full Size washer/Dryer.

230 Gravilla St. La Jolla, CA 92037

$2,250,000
2 Beds
1.5 Baths
820 SqFt
Status Active
MLS # 200050489
Property Type Attached
Price Type --
Pacific Sotheby's Int'l Realty
Presenting Historic Modernist Architecture just steps to Windansea Beach. Designed by early modernist movement pioneer R.M Schindler in 1923, the design employs “slab tilt” concrete construction, redwood and glass. Designated Historical Landmark No. 117 named “El Pueblo Ribera” (a six unit project), the work represents one of only two of his projects in San Diego. The unit has been passionately and completely renovated and enhanced respecting the architect’s original aesthetic. Enjoy peek ocean views.