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The San Diego area has a lot to offer its residents, from stunning beaches and vistas to world-class family-friendly attractions.
It’s also one of the hottest housing markets in the country. San Diego’s popular coastal communities, in particular, can experience strong demand from home buyers.
In this guide, we’ll explore some of the premier coastal communities in San Diego to see what they have to offer—and what it costs to live there.
San Diego County sprawls over 4,526 square miles, making it the second-largest county in California by land area. As for geography, it offers everything from beaches to mountains to desert areas and urban centers.
But let’s focus on the coast for now, in keeping with our theme.
In alphabetical order, here are some of the San Diego area’s most popular coastal communities and hottest real estate markets:
Carlsbad: A family-friendly city with a charming downtown village area, Carlsbad offers beautiful beaches and a variety of attractions like the LEGOLAND theme park. It’s also home to championship golf courses, resorts, and spas.
Coronado: With a consortium of eight U.S. Navy installations, the historic island community of Coronado is home to many military members and veterans. But it’s not just a “military island.” Coronado also offers great restaurants and breweries, beautiful beaches, and the famous Hotel del Coronado (a tourist attraction).
Del Mar: Another affluent coastal San Diego community, Del Mar is famous for thoroughbred horse racing at its world-renowned racetrack. You’ll also find plenty of local eateries, boutique shopping, coastal trails, and welcoming beaches.
Encinitas: A quintessential surf town with a bohemian flair, Encinitas offers a mix of eclectic shops, surf culture, and laid-back charm. It’s a great spot for those seeking a more low-key coastal lifestyle. Other popular activities include hiking, biking, and paddleboarding.
La Jolla: This coastal community is renowned for its stunning cliffs, beautiful beaches, and marine life. It’s also one of the San Diego area’s pricier housing markets. Locals and visitors alike flock to La Jolla Cove for swimming, snorkeling, and kayaking.
Mission Beach: Bordering Pacific Beach to the south, Mission Beach offers a similar laid-back vibe with a slightly more family-friendly atmosphere and beautiful beachfront homes in San Diego. It’s home to Belmont Park, an amusement park with a historic roller coaster named the Giant Dipper.
Oceanside: One of the larger coastal cities in San Diego’s North County, Oceanside has a mix of beach town charm and urban amenities. It’s known for its historic wooden pier, military presence (Camp Pendleton), bustling harbor, excellent seaside restaurants, and lovely coastal homes in California.
Pacific Beach: Known as “PB” by locals, this San Diego community has a lively nightlife scene. It’s particularly popular with surfers, beachgoers, and young adults. Pacific Beach is named for a long stretch of sandy beach with numerous bars, restaurants, and shops.
Solana Beach: Compared to some of its coastal neighbors, Solana Beach offers a quieter, less commercialized beach town experience. It has an artsy vibe, serene beaches, and a walkable village-like feel. The Cedros Avenue Design District is a hotspot for art galleries and antique shops.
All of the things that make San Diego a great place to live also make it one of America’s most competitive real estate markets. In fact, stiff competition is one of the San Diego housing market trends that doesn’t seem to go away.
Home buyers planning to make a purchase in one of San Diego’s popular coastal communities should be prepared to hit the ground running.
Out of the coastal communities listed above, Oceanside tends to be the most affordable. That’s why a lot of military members and families end up settling down in Oceanside as a way to avoid the sky-high San Diego home prices in 2025.
Del Mar, on the other hand, is one of the most expensive coastal real estate markets in the San Diego metro area. As such, it also has a higher-than-average median income among residents.
These numbers will have changed by the time you read this guide. But they’ll still help you understand which San Diego housing markets are most and least expensive.
As you can see, San Diego coastal communities come with high price tags. But you’ll get a lot for your money when buying a home in the area, and those benefits go far beyond the property itself.
So there you have it. These are considered the top coastal communities in San Diego, though the surrounding area boasts even more, making the Pacific one of the more desirable places in the country to live.
Sammamish Mortgage offers a variety of financing options including FHA, VA, and conventional and serves the entire state of California. If you’re looking to buy a home in San Diego, CA and need some financing assistance, we can help. Get an instant rate quote or call us today to get the mortgage process started!
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No Obligation and transparency 24/7. Instantly compare live rates and costs from our network of lenders across the country. Real-time accurate rates and closing costs for a variety of loan programs custom to your specific situation.