If you have been browsing homes in San Diego County lately, you have probably noticed that $700,000 means very different things depending on where you look. We hear it all the time from buyers who are just starting their search. They ask if that number still works, if it is realistic, or if they need to adjust expectations. The short answer is yes, $700,000 can still get you into the market. The longer answer is that location, property type, and lifestyle priorities matter more than ever.
Here are the most important facts and insights we believe you should include to make your post both practical and intriguing.
How much are homes in San Diego right now?
According to Zillow, as of early 2026, the median price for a single-family home in San Diego County is hovering around $972,713. This means a $700,000 budget primarily targets the condo and townhouse market, though single-family homes are still findable in specific pockets if you know where to look.
| Property Type | 2026 Median Price | What $700k Buys |
| Single-Family Home | ~$1.05M | Small starter homes in South or East County |
| Condo | ~$660K | Modern 2-bedroom units in central areas |
| Townhome | ~$750K | 2 to 3-bedroom units in Inland North County |
Neighborhood Breakdown
This is what $700,000 buys you in different parts of San Diego County:
The Coastal Lane
In coastal areas like La Jolla, Oceanside, Carlsbad, Encinitas, and Del Mar, $700,000 is all about proximity and lifestyle. You are paying for the ocean air, walkability, and community vibe. At this price point, buyers are typically looking at a condo or townhome rather than a single-family home. Expect smaller square footage, shared amenities, and possibly an older building that has been well-maintained.
For many buyers, the trade-off is worth it. You might not get a big backyard, but you get beach access, top-rated schools, and a strong resale market. These homes tend to hold value well because demand remains high year-round.
Central San Diego
In neighborhoods like Clairemont, Serra Mesa, or parts of Mission Valley, $700,000 typically buys a condo or townhome. Location is the big win here. You are close to freeways, employment hubs, shopping, and dining. Homes may be older, but many have been updated over time.
For buyers who want convenience and shorter commutes, this can be a smart choice. These areas often appeal to first-time buyers and investors alike, which helps support long-term demand.
North County Inland
Move slightly inland to areas like San Marcos, Vista, and parts of Escondido, and $700,000 stretches further. Here, buyers may find a modest single-family home or a newer 3-bed townhome with more space. Yards are more common, parking is easier, and layouts tend to feel more functional for everyday living.
This is often where we see buyers feel relieved. They realize they can still have room to grow, host family, and work from home without giving up North County entirely. These areas continue to attract buyers who want value while staying close to the coast.
South County
In parts of Chula Vista and National City, $700,000 can still buy a well-sized single-family home or a newer townhome. These areas have seen steady growth and improvements over the years. Buyers often appreciate the newer developments, parks, and expanding amenities.
South County can be appealing for buyers who want newer construction and are open to exploring beyond traditional North County or coastal zones.
East County
In East County areas such as La Mesa, El Cajon, or Santee, $700,000 often opens the door to larger homes. Buyers may find three-bedroom single-family houses with bigger lots and quieter streets. The pace of life feels a bit slower, and outdoor space becomes a real feature.
While these areas are farther from the coast, they offer strong value for families or buyers who prioritize space over proximity to the beach. Schools, parks, and community feel are often big draws here.
Other things to consider
- HOA Fees: Since most $700k options are condos or townhomes, you must factor in HOAs. In some central San Diego buildings, these can range from $400 to $800 per month.
- Property Taxes and Bonds: While the base tax is 1%, voter-approved bonds and assessments in 2026 often push the “effective” rate to 1.15% or 1.3%.
- Mello-Roos: If you are looking at newer developments in Chula Vista or San Marcos, these special assessments can add hundreds to your monthly tax bill.
- Watch the Micro-Markets. A home in Poway might sit for two weeks while a similar home in North Park sells in three days. Know the “speed” of your target area.
- Prioritize the “Soul” over the Square Feet: In 2026, buyers are moving toward homes that feel right rather than just being big. A well-designed 1,100 square foot condo often beats a 1,500 square foot home with a bad layout.
- Verify the Weather. Remember that inland areas can be 10 to 15 degrees warmer than the coast. If you are moving from a coastal rental to an inland purchase, factor in higher AC costs during the summer.
At the end of the day, it all boils down to your personal preferences and priorities. Do you want walkability or space. A short commute or a backyard? Coastal energy or suburban calm? Resale value?
We often remind buyers that curiosity is part of the process. Even if you are not ready to buy tomorrow, looking at what different areas offer helps clarify priorities. Aspirational browsing turns into confident decision-making when you understand the trade-offs.
Ready to explore neighborhoods in San Diego, our agents are happy to help.
