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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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Down Payment: $
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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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3877 Pell Pl 325 San Diego, CA 92130

$659,000
2 Beds
2 Baths
1,020 SqFt
Status Active
MLS # 200051684
Property Type Attached
Price Type --
Compass
Welcome home to Pell Place. This gorgeous bright 2bed/2ba condo has been luxuriously reimagined w/ NEW vinyl plank floors, plush carpet, smart thermostat, designer lighting, sleek quartz countertops, light paint colors, & gorgeous new SS Appliances. Coveted location in community with only 1 common wall & no neighbors above , 2 secure parking spots. Located across from The Del Mar Highlands, next to the CV Rec center, walking distance to Torrey Pines HS & One Paseo will leave you ready to call this HOME!

9263 Regents Rd B105 La Jolla, CA 92037

$669,900
2 Beds
2 Baths
1,102 SqFt
Status Active
MLS # 200050475
Property Type Attached
Price Type --
Redfin Corporation
Nestled in the heart of UTC/La Jolla, this beautiful Regents La Jolla condo will let you live your best life. Conveniently located on the first floor, near the community entrance. As you enter you will gaze upon an open floor plan allowing the living room, dining area and kitchen to flow seamlessly together. Open the patio door wide to let the cool breezes flow through all year long. The kitchen features crisp, white cabinetry, stainless steel appliances, granite counters and an eat-at breakfast bar.

3264 Caminito Eastbluff 108 La Jolla, CA 92037

$650,000 - $675,000
2 Beds
2 Baths
1,031 SqFt
Status Active
MLS # 200052164
Property Type Attached
Price Type --
eXp Realty of California Inc
Amazing opportunity to live in the desirable Eastbluff community in La Jolla. This end-unit townhome-style condo with attached private garage offers an abundance of natural light. Soaring ceilings in the living area provide a spacious feel, perfect for entertaining family and friends! This condo has been freshly painted, with new carpet throughout, a new fireplace and new applicances! Wonderful amenities available including pool! Close to shopping, groceries, entertainment and easy access to the freeway.

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.

8460 Via Mallorca 136 Lajolla, CA 92037

$714,995
2 Beds
2 Baths
1,017 SqFt
Status Active
MLS # 200037299
Property Type Attached
Price Type --
Residential Agent Inc.
LUXURIOUS & ELEGANT CONDO in highly sought Via Tuscana complex like never seen before! This like-new 2BD/2BA remodel offers modern & customized finishes throughout an open, bright & space-efficient floor-plan. Some of the features include Venetian dark brown wood laminate floors, luxury carpeting, top of the line light fixtures, chocolate walnut shutters & customized closets equipped w/sliding doors, body mirrors, jewelry/makeup booth, ... MORE IN SUPPLEMENT BELOW.

2420 Torrey Pines Unit #a101 La Jolla, CA 92037

$724,000
2 Beds
2 Baths
1,272 SqFt
Status Active
MLS # 200049592
Property Type Attached
Price Type --
Allison James Estates & Homes
Live walking distance to La Jolla Shores beach, restaurants & Kellogg park & 5 min drive to UCSD!! This home has been recently renovated!! Remodeled bathrooms, wood flooring throughout, new lighting, paint & brand new SS Kitchenaid appliances, wine fridg., & full size washer and dryer. This single story condo offers an office area & large private 600 Sq. Ft. patio. 2 garage parking spots for cars under 6’ & pool in the complex.

5369 La Jolla Boulevard 17 La Jolla, CA 92037

$725,000
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

2500 Torrey Pines Road 303 La Jolla, CA 92037

$749,000
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 -

9263 Regents B406 La Jolla, CA 92037

$769,000
2 Beds
2 Baths
1,102 SqFt
Status Active
MLS # NDP2002682
Property Type Attached
Price Type --
Coldwell Banker Realty
Regents is an extraordinary complex, embracing tasteful, elegant and inviting comfort. This top floor penthouse location offers an updated kitchen with newer SS appliances, 12 foot high ceilings throughout, lots of natural light and a spacious balcony . The bedrooms are located on separate sides for maximum privacy, each with their own bathroom. The unit has been newly refreshed with paint and carpet. All rooms face the central atrium, maximizing noise reduction from the surrounding streets. This is a fab

7811 Eads Ave 112 La Jolla, CA 92037

$775,000
2 Beds
2 Baths
1,121 SqFt
Status Active
MLS # 200034055
Property Type Attached
Price Type --
Compass
Remodeled ocean views from living room, patio, & master bedroom in this turn key pied-à-terre. Updated kitchen wood floor and travertine bath. The heart of La Jolla Village just steps to fine dining, shopping, the Museum of Contemporary Art, and 1.5 blocks to the beach. Walk to post office, banks and grocery stores from this perfect location. Gorgeous hardwood floors, granite countertops, and stainless steel appliances. Rent can be $3000+ HOA includes water!

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.