Me:
- TC 205 (startup, so all base)
- 30 years old
- Nest egg of $130k
- Paying >3k rent in SF right now and want to own for variety of personal reasons
I'm planning to buy and live in a (strongly prefer a detached) home #housing for 700-830k, around 6-8% down. I've seen some houses in that range in both cities, usually 1100-1400 square feet which is fine. Any opinions on what I'd be missing out in this range, I'm all ears.
Can't afford much more without a jumbo loan. Numbers line up though it'd be bit high monthly payments until I get rid of private #mortgage insurance.
I've been looking at variety of west coast cities and have settled on either Seattle or San Diego. Any opinions on which city is better?
I'm open to areas surrounding the city, e.g. La Mesa, CA. Want to try sticking to sub-30 minute commute to downtown.
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comments
It’ll be a tiny dive that needs a lot of work.
Having lived in both places, San Diego wins by a mile.
I just moved FROM Seattle to San Diego and can honestly say it’s the best decision I’ve ever made, but I’m also a surfer. So being around waves and year round sun is all I need to be happy.
My budget was 800k, north county (Oceanside, Encinitas, Carlsbad).
Encinitas quickly got taken off the list bc 800 k just like Seattle, will get you NOTHING. But it’s not impossible depending on where you want to live.
I eventually switched realtors and got one that specialized in north county. It was really important that I found a home with room to grow in value and that wasn’t a dump (I saw a lot), and I actually landed in Oceanside 10 min from the beach, 3 bed, 2.5 bath, 1500 sq ft (huge huge fenced yard) for 750k!
Oceanside isn’t really San Diego, but it’s in a market that is destined to grow. A lot Bc it’s beachside.
Feel free to DM me if you have any questions Bc I’ve lived and (now) bought in both places.
Also I can give you my realtors name Bc they scored me this needle in a haystack and escrow only took 19 days.