Why San Diego Homeowners Build ~40× More Wealth Than Renters
The Federal Reserve shows the median homeowner’s net worth is ~40× higher than the median renter’s. In San Diego’s market, equity + tax savings can make owning far more affordable than it looks.
The Equity & Tax-Savings Engine
- Principal paydown turns part of your payment into ownership.
- Appreciation compounds equity over time.
- Tax deductions on mortgage interest and property taxes lower your true after-tax cost.
After-Tax Reality: If your pre-tax payment is ~$5,500 and your estimated tax savings are ~$1,000/mo*, the after-tax cost feels closer to ~$4,500/mo — similar to renting — but you’re building equity and locking in housing costs.
Lower Cash In, Lower Monthly Out
- 3–5% Down Options: Conventional programs may allow as little as 3–5% down.
- Save on Mortgage Insurance: Lender-paid or reduced-MI structures can cut hundreds per month.
- Rate Buydowns & Credits: Structure the offer for affordability (seller/lender credits where available).
Why San Diego Ownership Wins Long-Term
- Resilient demand + constrained supply
- Typical 10-year equity growth: ~$300k–$600k
- Leverage equity for move-ups, investment, or retirement
Programs to Help You Win
- VIP Homefinder: Off-market & unlisted homes
- Buy Before You Sell (Trade-In): Move once, buy non-contingent
- Cash-Plus / Guaranteed Sale: Stronger offers, faster timelines
- Payment Strategy: Rate buydowns, credits, and MI optimization
We would like to hear from you! If you have any questions, please do not hesitate to contact us. We are always looking forward to hearing from you! We will do our best to reply to you within 24 hours !