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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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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...

5430 La Jolla Blvd C202 La Jolla, CA 92037

$1,549,000
2 Beds
2 Baths
1,827 SqFt
Status Active
MLS # 200026499
Property Type Attached
Price Type --
Berkshire Hathaway HomeService
Big, dynamic ocean views from this spacious, highly updated Seahaus unit. Nestled in the heart of Bird Rock, a stones throw from pristine beaches & Calumet park. Enjoy incredible amenities including the pool/spa/outdoor entertaining facilities & impressive gym OR stroll through the surrounding neighborhood stores & restaurants in this picturesque seaside community. Floor to ceiling windows & french doors to a spacious balcony flood your living space with natural light & allow views from every angle.

5430 La Jolla Blvd C301 La Jolla, CA 92037

$1,595,000
2 Beds
2 Baths
1,698 SqFt
Status Active
MLS # 200029098
Property Type Attached
Price Type --
Berkshire Hathaway HomeService
Smashing panoramic ocean view from this lovely two bedroom, two bath penthouse with balcony at sought after Seahaus, walking distance to the ocean and Bird Rock Shops. You will love the walls of glass overlooking the Pacific, polished travertine floors, chef’s kitchen with granite counter tops, six burner gas range, and breakfast bar. There is a cozy fireplace in the large living /great room and a full sized washer and dryer in the unit. Two full sized dedicated side by side parking spaces (see supp)

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.

240 S Coast Blvd B2 La Jolla, CA 92037

$1,695,000
2 Beds
2 Baths
1,522 SqFt
Status Active
MLS # 200005791
Property Type Attached
Price Type --
HomeSmart Realty West
Rare Offering!. LaJolla’s Jewel Oceanfront.Windows to the sparkling sea. Corner unit with stunning floor to ceiling white water views of the blue Pacific,tide pools, Sunsets & Sea Life.Enclosed patio overlooking the Ocean.Private beach access from complex.Enjoy relaxing on the community beachfront patios and barbeque in a private setting. HOA fee includes,gas and electric heating ,A/C,cable tv & internet!Near La Jolla Village. Dont miss this true la jolla gem!Below appraised value!

7578 Cabrillo Avenue La Jolla, CA 92037

$1,750,000
2 Beds
2 Baths
1,802 SqFt
Status Active
MLS # 200027896
Property Type Detached
Price Type --
McKee Properties
Welcome to 7578 Cabrillo, a custom-built Contemporary Masterpiece in La Jolla Village, walking distance to downtown La Jolla and the Cove! This beautiful property features a multi-level layout designed to allow for maximum versatility for entertaining and privacy, with multiple seamless indoor/outdoor spaces, with one level dedicated to a private master suite. The entire property is loaded with custom finishes and design elements, indoors and out, creating the perfect balance of function and style...

2120 Vallecitos 104 La Jolla, CA 92037

$1,890,000
2 Beds
2 Baths
1,245 SqFt
Status Active
MLS # 190048110
Property Type Attached
Price Type --
La Jolla Cove Realty
Spectacular Oceanfront Condo in La Jolla Shores. Modern, Single-Story unit is Light & Bright. Ground Floor, End-Unit, opens directly to Kelloggs Park and Miles of Ocean Beachfront! Features a Modern Kitchen w/ Gas Range, Dual Dishwasher & Ocean views. Includes Tile Flooring, A/C, Recessed Lighting, Jacuzzi Tub in Master Bath, and much more...Entertain on your large Private Patio w/ Sit-down Ocean Views. Short Stroll to Restaurants, Shops & Market.

939 Coast Boulevard 10h La Jolla, CA 92037

$1,975,000
2 Beds
2 Baths
1,608 SqFt
Status Active
MLS # 190052739
Property Type Attached
Price Type --
Berkshire Hathaway HomeService
Stunning ocean and Village views are yours from this completely remodeled and upgraded unit in the luxury concierge building of 939 Coast. Modern finishes throughout with quality custom cabinetry, Quartzite counters, gourmet cook’s kitchen opening to a spacious view living room, an enlarged master suite with spectacular ocean views and interior laundry. Located in the heart of the Village, just a short distance to the Cove, beach, galleries, shops and restaurants.

939 Coast Blvd 5b La Jolla, CA 92037

$1,998,000
2 Beds
2 Baths
1,937 SqFt
Status Active
MLS # 200019388
Property Type Attached
Price Type --
Willis Allen Real Estate
*NEWLY PRICED!* Enjoy oceanfront living atop La Jolla Cove from this northwest corner unit condo, conveniently located in the heart of the Village with sit-down panoramic ocean views up the coast. Lovingly maintained by the original owner and well designed for entertaining, this coveted unit features a private dry bar with seating for 4 and an enclosed sunporch with windows that open to feel the ocean breeze while watching sunsets! Be sure to click the Virtual Tour links for a 3D Matterport & Photo Tour!

939 Coast Blvd. 8-a La Jolla, CA 92037

$3,999,000
2 Beds
2 Baths
2,444 SqFt
Status Active
MLS # 200028951
Property Type Attached
Price Type --
Coldwell Banker Realty
Absolutely stunning panoramic ocean & coastline views from this front corner unit on the very best floor for appreciating the mesmerizing whitewater. Fully furnished. Floor to ceiling windows. Sparkling night lights, sunrises over Mt. Soledad & lingering sunsets transform the ocean colors. Mueller Construction customized contemporary home in neutral colors. Open floorplan, architectural niches, recessed lighting, Miele dishwasher, granite counters, Kohler spa tub & a Miele washer & dryer.