San Diego Homes for Sale

As of early 2026, the median home price in San Diego County ranges from approximately $930,000 to $1,000,000 depending on property type. Single-family homes trend toward the higher end while condos and townhomes sit closer to $650,000 to $700,000. Prices vary dramatically by neighborhood, from under $600,000 in areas like El Cajon to over $3 million in La Jolla.

The best San Diego neighborhoods depend on your priorities. For luxury coastal living, La Jolla and Del Mar lead the market. Families often prefer Scripps Ranch, Carmel Valley, and Poway for their top-rated schools. First-time buyers find value in Mira Mesa, Clairemont, and Chula Vista. For urban lifestyle, North Park and Hillcrest offer walkable neighborhoods with vibrant dining and culture scenes.

The San Diego market in 2026 is showing signs of increased balance compared to prior years. Inventory has expanded, homes are staying on the market longer (around 30 to 37 days on average), and mortgage rates have eased from their 2024 peaks. While prices remain high, buyers have more negotiating power than they have had since before the pandemic.

From the start of your search to closing, expect 60 to 120 days depending on your preparedness and market conditions. Getting pre-approved for a mortgage takes one to three days and should be your first step. Active home searching typically runs two to six weeks. Once an offer is accepted, closing takes 30 to 45 days for financed purchases.

The most affordable neighborhoods in San Diego County include El Cajon (median around $700,000 to $750,000), Lemon Grove ($750,000 to $850,000), National City ($650,000 to $750,000), and Spring Valley ($700,000 to $800,000). Within the city of San Diego itself, Encanto, City Heights, and San Ysidro tend to offer entry points below the countywide median.

Most conventional loans require a minimum credit score of 620, while FHA loans can go as low as 580 with a 3.5% down payment. VA loans have no official minimum but most lenders prefer 620 or higher. In San Diego's competitive market, a score of 740 or above typically qualifies you for the best interest rates.

Yes, several programs help first-time buyers in San Diego. The San Diego Housing Commission offers down payment and closing cost assistance. CalHFA provides low-interest loans and down payment programs statewide. FHA loans require as little as 3.5% down, and VA loans offer zero down payment for eligible veterans.

San Diego County's base property tax rate is approximately 1% of assessed value under California's Proposition 13. However, total effective rates typically run between 1.1% and 1.25% when you include voter-approved bonds and special assessments. Newer communities may have Mello-Roos taxes that add another 0.5% to 1.5%.

The San Diego market in 2026 remains competitive but has moderated from the extreme conditions of 2021 to 2023. Homes now average 30 to 37 days on market. About 33% of homes still sell above asking price, particularly well-priced single-family homes in coastal and central neighborhoods. Buyers now have more time for due diligence.

Several nearby cities offer excellent alternatives. Carlsbad and Encinitas provide coastal living with strong schools. Chula Vista is the second-largest city in the metro with newer construction and competitive prices. Oceanside offers beach access at more affordable price points. Escondido and Poway are popular with families seeking larger lots.