Share

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).

Sort by:

909 Coast Blvd 10 La Jolla, CA 92037

$1,125,000 - $1,195,000
2 Beds
2 Baths
1,215 SqFt
Status Active
MLS # 200006786
Property Type Attached
Price Type --
Dana Horne Realty
It doesn't get much better than an oceanfront home in the village with ocean views! Walking distance to the Village shops, restaurants, the rec center, beaches, the children's pool, snorkeling, fishing and more! This centrally located, single level, upgraded condo is your opportunity to enjoy all that Village life has to offer! The open floor plan offers sit down ocean views, an abundance of natural light and wonderful ocean breezes. See Supplement for all the features of 909 Coast Blvd #10!

101 Coast Boulevard 4c La Jolla, CA 92037

$1,195,000
2 Beds
2 Baths
1,664 SqFt
Status Active
MLS # 200020431
Property Type Attached
Price Type --
Keller Williams Realty
Location, location! SINGLE STORY, TOP FLOOR CONDO JUST STEPS TO THE BEACH! Light-filled home located in the heart of La Jolla Village feat. freshly painted interior, NEW carpet, dining/living room combo w/fireplace, spacious eat-in kitchen, LIVING ROOM & MASTER SUITE W/BALCONY offering cool ocean breezes + 2nd ensuite bedroom, in-unit laundry & 2 underground parking spaces. Enjoy the top floor location adjacent to the common area” w/OCEAN VIEWS, BBQ & FIRE PIT! Walk to beach, shops, restaurants & more!

8132 Camino Del Sol Unit E La Jolla, CA 92037

$998,000 - $1,198,000
2 Beds
2 Baths
1,143 SqFt
Status Active
MLS # 200020147
Property Type Attached
Price Type --
Pacific Sotheby's Int'l Realty
Seller will entertain offers between $998,000 - $1,198,000. Showing protocol will be COVID-19 Compliant. PEAD FORM MUST BE SIGNED PRIOR TO ENTRY. Amazing Top Floor Single level 2 bedroom/2 bath condo. Located within the coveted La Jolla Shores. Great Room/Living room w/fireplace is open to Kitchen. New refrigerator in Kitchen with breakfast bar. Conveniently located within the unit stacked laundry closet. Enjoy the attached balcony & patio. Master bedroom with en-suite bath and balcony.

2130 Vallecitos 243 La Jolla, CA 92037

$1,200,000
2 Beds
2 Baths
1,535 SqFt
Status Active
MLS # 200007990
Property Type Attached
Price Type --
Berkshire Hathaway HomeService
LA JOLLA SHORES BEACH ONE LEVEL RESIDENCE! Bright END unit in LJ Shores Clubdominiums with superb amenities including pool, tennis, community room, gym, bbq area and gated community. Super-close to sandy beach for swimming, kayaks, surfing, wildlife and people watching or just relaxing! Close to shops and fabulous restaurants in this VIBRANT Shores neighborhood. Two BR plus DEN/3rd BR w/built-in cabinetry, plantation shutters, parquet floors, in-unit laundry and underground parking!

5420 La Jolla Blvd B204 La Jolla, CA 92037

$1,325,000 - 2Br/2Ba -  for Sale in Bird Rock, La Jolla
New
$1,325,000
2 Beds
2 Baths
1,858 SqFt
Status Active
MLS # 200023787
Property Type Attached
Price Type --
Century 21 Award
Experience the Best of SeaHaus in this Prime Breakers End Unit. Upgrades include gorgeous stylish Cabinets, lighting, window coverings. Open Concept floor plan with Chefs kitchen, Island counter, large windows, panoramic view balcony and cozy fireplace. Office can be den/3rd bedroom. Single story. Walk in Closet in Master Br. Laundry room. End Unit with extra windows in Den, Master bed and bath. Resort like pool, spa, gym. Enjoy the beauty and charm of Bird Rock.

1733 Coast Del Mar, CA 92014

$1,395,000
2 Beds
2 Baths
1,200 SqFt
Status Active
MLS # 200005227
Property Type Townhome
Price Type --
Coldwell Banker Realty
Easy to show with boots, gloves and wipes for your clients use! Last sale in complex was $1,530,000 in March 2019! Super location in the coveted Beach Colony of Del Mar! Quaint gated community with jacuzzi in the rear yard. Cross the street and you are on the sand! Next door to the Village restaurants and shops of Del Mar. Large patio, high ceilings, slate floors, concrete counter tops, built-ins, parking for 2 cars, air conditioning, fireplace. Freshly painted & refreshed!https://www.youtube.com/watch?v=

457 Coast 403 La Jolla, CA 92037

$1,395,000
2 Beds
2 Baths
992 SqFt
Status Active
MLS # 200008091
Property Type Attached
Price Type --
Berkshire Hathaway HomeService
The South end of the Coast Blvd. natural water park is quiet by comparison to the the North. Located on an island between Coast and Coast S. allows for easier guest parking. The building is secure with gated underground parking. Three units per floor create a private setting. Enjoy La Jolla Cove to the North along with Windansea Beach to the South. Take advantage of the many local web cameras that allow live streaming views from La Jolla Shores, the cove, Coast Blvd. and Windansea...

220 Coast Blvd 1c La Jolla, CA 92037

$1,395,000
2 Beds
2 Baths
1,244 SqFt
Status Active
MLS # 200022406
Property Type Attached
Price Type --
Berkshire Hathaway HomeService
Situated in a well-managed oceanfront building with access to the sand and a swimming beach, this 2 bedroom, 2 bath first floor upgraded unit has an exclusive-use, private patio with ocean view and room for entertaining. You will love its open floor plan with large living room opening to the patio, dining area and kitchen with large granite counters with bar stools, newer appliances, and wooden cabinetry. The master bedroom has an ocean view, and the upgraded marble/tile baths include..see supplement.

457 Coast 503 La Jolla, CA 92037

$1,475,000
2 Beds
2 Baths
992 SqFt
Status Active
MLS # 200008090
Property Type Attached
Price Type --
Berkshire Hathaway HomeService
The South end of the Coast Blvd. natural water park is quiet by comparison to the the North. Located on an island between Coast and Coast S. allows for easier guest parking. The building is secure with gated underground parking. Three units per floor create a private setting. Enjoy La Jolla Cove to the North along with Windansea Beach to the South. Take advantage of the many local web cameras that allow live streaming views from La Jolla Shores, the cove, Coast Blvd. and Windansea...

5480 La Jolla Blvd J303 La Jolla, CA 92037

$1,575,000
2 Beds
2 Baths
1,618 SqFt
Status Active
MLS # 200020886
Property Type Attached
Price Type --
Compass
Creme de la creme of Seahaus. Enjoy sweeping ocean views and no neighbors on 3 sides in this top floor north west corner end-unit. As a unique penthouse, experience unparalleled privacy inside as well as outside on your spacious balcony. Flooded with light and filled with an ocean breeze find yourself immersed within this stunning La Jolla unit . With windows facing North and East, great morning light fills the Master suite every day. This unit is truly one of a kind.

5480 La Jolla Blvd J103 La Jolla, CA 92037

$1,595,000
2 Beds
2 Baths
1,821 SqFt
Status Active
MLS # 200014288
Property Type Attached
Price Type --
Remz Real Estate
Ideal location in The Seahaus complex - This ground level, North West Breakers end unit has a beautiful flowing floor plan with ocean views. There is a nice patio exclusive to this unit that provides an extension to the living area perfect to relax and enjoy the ocean views, BBQ & entertain. Seahaus offers walkability to all the Bird Rock community offers... great restaurants, coffee shops, gyms, wine bars, retail...Schools! Please view the 3D virtual tour!

5420 La Jolla Blvd. B301 La Jolla, CA 92037

$1,625,000
2 Beds
2 Baths
1,698 SqFt
Status Active
MLS # 200022826
Property Type Attached
Price Type --
Nina McCarthy Enterprises, Inc
Serene ocean view upon entry into this delightful Breakers top floor end unit in the southwest corner of complex. Expansive panoramic ocean and sunset views with natural light throughout. Great room and view balcony afford flexibility for enjoyment of one's choice of life styles. Featuring white water sit-down views in a quiet and private setting with evening lights enjoyed from balcony. Separate laundry room; Tankless water heater creates additional closet storage; assigned parking close to elevator.