Where is it affordable to live in San Diego?
Affordable areas in San Diego include neighborhoods like City Heights, Serra Mesa, Rolando, and some parts of Chula Vista. These neighborhoods offer lower entry points than North Park, South Park, and other metro areas. They’re worth exploring if you want to stay in the city without stretching your budget too far.
What Does ‘Affordable’ Mean in San Diego?
Affordability in San Diego is different from that in most U.S. cities. The median home price is around $950,000, and average prices exceed $1 million in many central neighborhoods. So, when we talk about affordability here, we’re usually referring to areas where homes sell for $800,000 or less.
These prices still require substantial incomes, solid credit, and smart planning, but they offer a more accessible path for many first-time buyers, downsizers, and working families.
Affordable Neighborhoods to Watch
Here are several neighborhoods where your budget might go further:
City Heights
City Heights has long been known for its diversity and community roots. Located just east of North Park, it’s more affordable and continues to attract buyers looking for value. The section on the cusp of North Park, just South of University Avenue, is known to locals as the “wine glass neighborhood”. Why? Well, because if you look at the area from up above, it is shaped like a wine glass. This section has come a long way and has super cute homes, while a lot less than the sister neighborhood known as North Park.
- – Median price: Under $750,000
- – Mix of single-family homes, condos, and multi-unit properties
- – Easy access to transit, I-15, and downtown
Serra Mesa
Centrally located between Mission Valley and Kearny Mesa, Serra Mesa offers suburban quiet with quick freeway access. It appeals to families and professionals who want more space.
- – Median price: Around $800,000
- – Mostly mid-century single-family homes
- – Close to hospitals and major employers
Rolando
This neighborhood near SDSU offers older charm, sidewalks, and a tight-knit feel. It’s especially attractive to first-time buyers and those looking for long-term growth.
- – Median price: Mid-$700,000s
- – Spanish-style and mid-century homes
- – Proximity to shops and public transit
Chula Vista (Selective Areas)
Further south, some areas of Chula Vista offer newer homes with more square footage. While not central, these neighborhoods provide space and value.
- – Median price: Mid-$600,000s to low $700,000s
- – Family-friendly communities with good schools
- – Longer commute to downtown, but more house for the price
How Do These Areas Compare to North Park or South Park?
North Park and South Park remain highly desirable, with homes averaging around $1,200,000. You’re paying for lifestyle, character, and location.
- – Walkability to cafes, bars, and parks
- – Historic homes and tree-lined streets
- – Strong resale value and buyer demand
If your budget doesn’t stretch that far, neighborhoods like City Heights or Rolando might offer better initial value. They may lack the same amenities, but they offer growth potential, entry-level pricing, and are more affordable than the other neighborhoods of San Diego mentioned above.
What to Expect in More Affordable Areas
While pricing is lower, here’s what you should expect:
- – Older homes that may need updates
- – Less walkability and commercial development
- – Larger lots and lower density
These areas often appeal to buyers willing to invest in cosmetic improvements and who prioritize space over walkability.
Tips for Buying Smart in San Diego
Looking for affordability doesn’t mean compromising your future. Here are a few ways to shop wisely:
- – Get pre-approved to understand your exact budget
- – Work with an agent who knows where to find hidden value
- – Be open to fixer-uppers with solid bones
- – Compare commute times with home size and price
How the McT Real Estate Group Supports Buyers
We help buyers navigate the San Diego market with confidence:
- – We know how to compare neighborhoods in real-world terms
- – We flag homes with value-add potential
- – We help you make informed, competitive offers
Whether you’re buying your first home or relocating from another part of the city, we make the process clear, local, and strategic.
Let’s Talk About Your Options and Affordable Homes in San Diego
Affordable homes still exist in San Diego—you just need to know where to look. If you’re ready to explore neighborhoods that fit your budget and lifestyle, the McT Real Estate Group is here to help.
We’ll create a short list of homes that meet your needs and walk you through every step.
