Can I Buy a House in San Diego on a Single Income? Logan Henry’s Trusted Guidance

Question: Can you really buy a house in San Diego on a single income?

Answer: Yes, it’s possible, but it requires realistic expectations and a clear understanding of how San Diego’s market works. While buying solo here can feel intimidating, many single-income buyers succeed every year with the right strategy and guidance.

The Honest Reality of Buying Solo in San Diego

San Diego is one of the most desirable places to live in the country — and one of the most expensive. So if you’re buying on a single income, it’s natural to wonder whether homeownership here is realistic or just a long shot.

You may be asking yourself: Am I priced out? Should I wait? Do I need a co-borrower? Is renting the smarter move? These questions do not mean you’re behind.

The truth is that buying a home on a single income in San Diego looks very different today than it did even five years ago. Prices are higher, interest rates have shifted, and competition varies by neighborhood.

What “Single Income” Really Means in Today’s Market

Buying on a single income doesn’t automatically mean buying alone financially forever, it simply means the loan is based on one earner’s income at the time of purchase.

Many successful buyers are:

professionals in their 30s or 40s
recently divorced or widowed
relocating for work
intentionally buying solo before marriage
parents buying independently
investors choosing to start with a primary residence

What matters most isn’t your relationship status, but how your income, debt, savings, and goals align.

This is where working with an experienced local agent becomes critical. National advice rarely reflects San Diego’s nuances, and online calculators don’t account for neighborhood-by-neighborhood differences that can change affordability dramatically.

Understanding the Numbers Without Letting Them Scare You

San Diego’s median home prices often hover near or above the $1M mark, but that doesn’t mean every buyer needs a seven-figure budget. What matters most is where you’re buying, what type of property you choose, and how you structure your purchase. Condos, townhomes, smaller single-family homes, and emerging neighborhoods can offer meaningful entry points, especially for first-time or solo buyers.

I often remind my clients that the goal isn’t to buy the “perfect” home, it’s to buy the right home for this stage of life.That mindset alone helps buyers move forward with confidence.

Where Single-Income Buyers Are Finding Success

Certain San Diego communities consistently attract single-income buyers because they offer a balance of lifestyle, value, and long-term potential.

Areas like La Mesa, Talmadge, Kensington, Allied Gardens, and parts of North Park, often appeal to buyers who want walkability, community, and manageable price points. Condos in downtown, Little Italy, Hillcrest, or Mission Valley can provide access to urban living without the maintenance of a detached home.

Even within higher-priced areas, smaller homes or fixer opportunities sometimes open doors for buyers who are flexible and prepared. The key is not limiting yourself too early and not assuming affordability based on headlines alone.

Why Strategy Matters More Than Salary

Two buyers with the same income can have completely different outcomes. Why?

Because success often comes down to early preparation, knowledge of your buying power, how well your agent negotiates, and flexibility on timing, condition, or location.

Single-income buyers who succeed tend to start with education, not urgency. They talk to lenders early, understand monthly comfort levels, and choose neighborhoods intentionally rather than emotionally.

The Emotional Side of Buying Alone (And Why It Matters)

Buying on a single income isn’t just a financial decision, it’s an emotional one.

You’re carrying the responsibility alone. There’s no second paycheck to lean on, no shared decision-making in the background. That can feel empowering and overwhelming at the same time.

I often works with buyers who worry about “getting it wrong.” My role isn’t just to find homes, it’s to help buyers slow down, evaluate clearly, and move forward confidently.

Should You Buy Now — Or Wait?

For some single-income buyers, waiting makes sense. For others, buying now creates stability and long-term growth.

It often comes down to:

job stability
savings comfort
how long you plan to stay
your tolerance for monthly payments
your lifestyle priorities

In 2025, San Diego’s market rewards buyers who are patient, informed, and decisive. There is no one-size-fits-all answer. But there is a smart path forward for you.

What Logan Henry Recommends Before You Decide

Before making any decisions, I encourage single-income buyers to focus on three things:

First, understand your true buying power — not just what a lender approves, but what feels comfortable monthly.

Second, get clear on your “non-negotiables” versus preferences. Location, commute, lifestyle, and long-term plans matter more than finishes.

Third, work with professionals who know San Diego intimately and can help you avoid costly missteps.

This approach keeps buyers grounded and confident even in a competitive market.

Your Next Step Doesn’t Have to Be a Commitment

If you’re wondering whether buying a home in San Diego on a single income is realistic for you, the next step isn’t house hunting. It’s a conversation. A conversation that helps you understand your options, your timing, and your path, whether that means buying now, planning for later, or adjusting expectations strategically.

Logan Henry and the LH Real Estate Group specialize in guiding buyers through these decisions with clarity, patience, and local expertise.

Ready to Talk It Through?

If you’re considering buying a home in San Diego on a single income — or just want honest guidance — reach out to us for a personalized consultation.

No pressure. No assumptions. Just clear, trusted insight.

_______________________________________________________

Disclaimer

This article provides general real estate information and is not legal, tax, or financial advice. Please consult licensed professionals for those matters.