Marti Kilby, CRS

Direct: 619-846-9249 |

Congratulations San Diego! You just became the least affordable city in California. Based on income and single-family home prices, San Diego has surpassed Los Angeles and even San Francisco in being unaffordable, according to a study by OJO Labs. So is it possible to buy a home here in America’s Finest City, or does it even make sense?


Let’s do the math.  The average income in the county is a bit over $68,000 and the median home price is $764,000. A 10% down payment would be $76,400...

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In this crazy market where overbidding is a primary buyer strategy, accepting the highest offer might not always be smooth sailing despite an enticing sales price.


One of the most common problems is an appraisal that comes in for less than the contract sales price. Let’s say you accept an offer for $800,000 and the buyer is qualified for an 80% loan. That means he is qualified for a loan of $640,000 with $160,000 down. However, if the property only appraises for $750,000 his loan amount will...

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