What does $700K, $900K, and $1M+ Buy You in Chula Vista & San Diego? (2025 Real Estate Guide)

By Corey Reels — Your #1 Chula Vista & San Diego Realtor®

One of the most common questions buyers ask is simple:
“What can I actually get for this amount money in today’s market?”

Because San Diego County doesn’t operate like a typical housing market, price points can feel confusing—especially for first-time buyers or families moving up into larger homes. As someone who studies this market every morning at 4:45 a.m., tours homes daily, and negotiates deals across both Chula Vista and greater San Diego, here’s exactly what you can expect at three key price ranges: $700K, $900K, and $1M+.

What $700,000 Buys You

At this level, buyers typically enter one of two categories:

1. first-time buyers ready for more stability, or

2. anyone wanting a low-maintenance lifestyle in an established community.

Chula Vista

In neighborhoods like Otay Ranch, Eastlake, and Rancho Del Rey, you’ll find updated townhomes and condos ranging from 1,100 to 1,400 square feet. Most offer two to three bedrooms, newer construction, and desirable community amenities—pools, clubhouses, playgrounds, and walkable streets. These properties are highly sought after by families who want great schools without stretching to a single-family home budget.

Greater San Diego

Closer to the coast or downtown, $700K often secures a modern 1–2 bedroom condo in areas like Mission Valley, North Park, Hillcrest, or East Village. These typically feature upgraded interiors, secure parking, and lifestyle-driven amenities such as gyms or rooftop decks.

This price point is ideal for buyers who want convenience, location, and long-term appreciation without heavy maintenance.

What $900,000 Buys You

Crossing into the $900K range opens the door to well-kept single-family homes in some of the most desirable neighborhoods in the county.

Chula Vista

This is where you start seeing 3–4 bedroom detached homes in Eastlake Trails, Otay Ranch Village, Rolling Hills, and Eastlake Vistas. These homes generally fall between 1,600 and 2,200 square feet, with open floor plans, private backyards, two-car garages, and many interior upgrades.

These are the communities known for top-rated schools, strong HOA amenities, and a family-centered lifestyle. This price point is popular for move-up buyers, growing families, and buyers relocating from out of state.

Greater San Diego

You’ll find 2–3 bedroom single-family homes in neighborhoods like Serra Mesa, Clairemont, Mira Mesa, Allied Gardens, and Tierrasanta. Many are mid-century homes that have been updated, offering central locations, stable appreciation, and strong long-term value.

What $1,000,000+ Buys You

Once you enter the seven-figure range, the lifestyle shifts into something more spacious, more upgraded, and often more unique.

Chula Vista

In communities like Eastlake Woods, Eastlake Greens, and Bella Lago, homes often offer 2,500 to 3,500+ square feet, 4–6 bedrooms, upgraded kitchens, generous lots, and three-car garages. Many properties feature views, custom landscaping, or entertainer-friendly outdoor spaces.

These homes are designed for larger families, multi-generational living, or buyers who want the top end of suburban comfort.

Greater San Diego

Your options broaden into highly desirable coastal and semi-coastal neighborhoods such as Point Loma, Ocean Beach, North Park, University City, and parts of Encinitas. Homes in this range are typically 1,500–2,500 square feet but sit in locations with unmatched walkability, character, or proximity to beaches and dining.

These properties hold their value over time and attract buyers who prioritize lifestyle, charm, and location over square footage.

How to Choose the Right Price Point

Ultimately, the best price point depends on four things:

• How you want to live

• How much space you need

• Your monthly comfort level

• How long you plan to stay in the home

I walk my clients through these factors every day because your home isn’t just a purchase—it’s a strategy. Whether you’re buying your first home or your next home, you deserve clarity, direction, and an expert who understands the nuances of this market.

Thinking About Buying? Let’s Talk.

If you’re planning to buy in Chula Vista or anywhere in San Diego County, I’d be happy to build a personalized list of homes based on your goals, budget, and preferred neighborhoods.

You can reach me anytime at [email protected] or request a custom search directly through my website.

When you’re ready, I’ll guide you every step of the way.