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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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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.

5377 La Jolla Blvd 1 La Jolla, CA 92037

$650,000
2 Beds
2 Baths
1,200 SqFt
Status Active
MLS # 200014055
Property Type Attached
Price Type --
San Diego Sunrise Realty
In the heart of beautiful Bird Rock. 5 minute walk to the ocean! Fabulous opportunity to live close to charming & unique shops, restaurants, grocery and, of course, the beach. Ground floor unit for easy access. Remodeled bathrooms and kitchen and lots of storage. Enjoy your private patio after a swim in the pool. Oversized garage with plenty of storage room. HOA covers all utilities except for the internet. 3D virtual tour link attached. Certified bank appraiser: $795K. Motivated Seller!

7612 Palmilla Dr 48 San Diego, CA 92122

$650,000
2 Beds
2 Baths
1,004 SqFt
Status Active
MLS # 200020031
Property Type Attached
Price Type --
Compass
Cute bright updated unit with upstairs location. 2 single car garages and a reserved parking space. This unit is located near the new trolley line, UCSD, 5 freeway and University Town Center. New flooring, cabinets, counters and scraped ceilings. This make this a great personal or rental unit.

13675 Ruette Le Parc C Del Mar, CA 92004

$675,000
2 Beds
2 Baths
1,164 SqFt
Status Active
MLS # 200020759
Property Type Attached
Price Type --
Coastal Premier Properties
Fantastic location West of I-5 less than a mile to the beach, close to shopping, restaurants, the race track and schools. Vaulted ceiling & panoramic views create an amazing feel that is spacious & bright. Beautiful upgrades throughout & meticulously maintained will not disappoint. Hardwood floors, SS Appliances, Granite counters, Washer/Dryer, Oversized 1 car garage. Complex has lovely mature pines & landscape, 2 Pools & Spa.HOA includes water & trash pick up. Newer AC/Heat provides lower utility cost.

2952 Via Alta Place 44 San Diego, CA 92108

$694,313
2 Beds
2 Baths
1,401 SqFt
Status Active
MLS # OC20089068
Property Type Townhome
Price Type --
TNHC Realty and Construction
This contemporary new townhome located within the 2019 National Multi-Family Community of the Year in Civita in Mission Valley offers the 1,401 square feet of elegance and sophistication. The location offers an abundance of flowing natural light with views oriented toward the Civita Valley. Richly appointed interior upgrades custom selected by our professional design specialist include beautiful white cabinets throughout, stainless steel appliances, upgraded countertops. An amazing new construction opport

7244 Shoreline Drive 141 San Diego, CA 92122

$695,000
2 Beds
2 Baths
1,019 SqFt
Status Active
MLS # 200013162
Property Type Attached
Price Type --
eXp Realty of California Inc
Celebrity Owned! Beautifully updated single level condo with over $100,000 in improvements! Corner unit for very private location in complex. Moroccan-influenced with dark wood floors, granite tiled kitchen, faux painted walls, unique stone & tile mosaics, thoughtfully painted ceilings & archways in Moroccan style, and exquisite entryways to the bedrooms! Full-sized laundry in laundry room, attached 1-car garage and large private patio! See 3D virtual tour link and supplement!

8203 Caminito Modena La Jolla, CA 92037

$699,000
2 Beds
2 Baths
1,111 SqFt
Status Active
MLS # 200023277
Property Type Attached
Price Type --
RE/MAX Associates
BRIGHT, SUNNY, HIGHLY DESIRED SINGLE LEVEL PLAN 1 IN QUIET, PRIVATE LOCATION! BOASTS VINYL WINDOWS, TEXTURED CATHEDRAL CEILINGS, SKYLIGHTS, PRIVATE BACKYARD PATIO, AND ADDED UPSTAIRS BONUS ROOM. SELLER PICKS SERVICES. HURRY, WON'T LAST!

5353 La Jolla Blvd 37 La Jolla, CA 92037

$699,000
2 Beds
2 Baths
1,148 SqFt
Status Active
MLS # 190065606
Property Type Attached
Price Type --
Compass
Top floor, corner unit with ocean views from living room, kitchen and master bedroom! Located walking distance to Tourmaline Beach as well shops,restaurants and coffee in the Bird Rock Village. Recently remodeled kitchen and baths as well as new paint throughout. Deck off the living room andmaster with ocean view / breeze. Private, single stall garage. HOA dues cover all utilities other than cable and internet.

831 America Way Del Mar, CA 92014

$699,000
2 Beds
1.5 Baths
1,208 SqFt
Status Active
MLS # 200013272
Property Type Attached
Price Type --
Castle Capital
Splendid townhome-style condo-Spindrift Del Mar. Upgrades include beautifully remodeled kitchen and baths, top quality materials and craftsmanship. Best location- walk to Flower Hill and all its delightful shopping & dining. Thoroughbred racing, best County Fair and world-famous beaches are a short hop. Spindrift offers mature trees and well-maintained landscapes, two pools and spas, fabulous ocean breezes and easy access to RSF and points east, I-5 and Coast Highway 101. More details w/photos

2500 Torrey Pines Rd 204 La Jolla, CA 92037

$719,000
2 Beds
2 Baths
1,464 SqFt
Status Active
MLS # 200014585
Property Type Attached
Price Type --
Berkshire Hathaway HomeService
This sunny, quiet, west facing unit boasts the largest floor plan in Shore Tower! Floor to ceiling sliding doors and windows open to the tiled balcony overlooking the sparkling pool. New LVP flooring & carpet, scraped ceilings, fresh paint throughout & loads of closet space & storage. Building offers resort-style amenities including an inviting entry, heated pool, spa, 2 tennis courts, sauna, gym and 2 large guest suites. Enjoy a short walk to La Jolla Shores beach, restaurants, shops and UCSD.

5359 La Jolla Blvd 24 La Jolla, CA 92037

$735,000
2 Beds
2 Baths
1,012 SqFt
Status Active
MLS # 200016463
Property Type Attached
Price Type --
Pacific Sotheby's Int'l Realty
This beautifully remodeled La Jolla condo is minutes from the ocean and walking distance to Windansea, Tourmaline Beach and all the shops & eateries in Bird Rock & North PB. The home features ocean views off its wide living room balcony, most utilities covered with the HOA fee, vinyl plank flooring, designer tiled showers, quartz counters & white shaker cabinets throughout and stainless steel appliances. Its open floor plan has tons of natural light and a private balcony in the master. This won't last!

4155 Executive Dr E409 La Jolla, CA 92037

$735,000
2 Beds
2 Baths
1,102 SqFt
Status Active
MLS # 200020672
Property Type Attached
Price Type --
Berkshire Hathaway HomeService
Rarely available 2b/2b penthouse unit on secure & quiet TOP FLOOR in the finest resort-style gated development. Open floor plan with 12-feet high ceiling, granite countertops, stainless steel appliances, spacious walk-in closets, central heating & air, and in-unit W/D. This is a great 4th floor outward-facing location, with views of the surrounding neighborhood & distant mountains instead of neighbor's units. Walking distance to UCSD, 2 miles from ocean, close to shopping, located between 5 & 805 Fwy.