San Diego’s Unincorporated Housing Growth & $14M Annual Plan

The Board of Supervisors just approved the 2026 to 2027 Annual Plan and released the 2025 Housing Progress Report. It’s an encouraging look at how our region is handling growth and production. You’re likely noticing more activity in the unincorporated areas as these initiatives take hold.

This roadmap focuses on balancing new development with essential services for our neighbors. It is a direct approach to ensuring San Diego remains a viable place to call home. These updates provide a clear picture of where our community is headed.

Annual Plan Investment and Funding Priorities

The County is directing more than 14 million USD toward affordable housing and critical community services. This investment follows the “Housing for All” strategy to help residents build, find, and keep their homes. It specifically targets improvements for those with the most significant needs in our region. (This is a huge win for local stability.)

As momentum builds around initiatives like this, it signals a meaningful shift in how local leaders are addressing affordability. If you’re wondering how this proposed program could impact your ability to enter the market, our article about a new proposed aid for first-time buyers in North County here.

AERIAL VIEW OF CRYSTAL PIER IN PACIFIC BEACH BY KYLE LITTLE | GETTY IMAGES

Local Housing Production Trends and 2025 Statistics

The 2025 Housing Progress Report shows steady gains in homebuilding across our unincorporated areas. Despite hurdles like rising interest rates and fire risk, the market continues to show remarkable resilience.

  • The County is moving toward the state required goal of 6,700 homes.
  • Officials approved and permitted 932 new homes in 2025 alone.
  • Homebuilding has generally climbed since 2010 despite litigation or construction costs.
  • Accessory Dwelling Units (ADUs) are a significant driver of this consistent activity.
  • Both discretionary projects and ADUs contribute to a growing housing supply.
Sunset Cliffs | HeatherConnor.com

Community Support and Federal Housing Programs

  • The Annual Plan leverages four major federal programs to support over 70,000 residents. You can view the San Diego County Council calendar to stay updated on local governance. These programs are vital for maintaining the social fabric of our neighborhoods.

    • Community Development Block Grant (CDBG): This program funds affordable housing rehab and acquisition along with ADA improvements. It helps people stay in their homes while improving neighborhood accessibility.
    • HOME Investment Partnerships (HOME): These funds support the construction of affordable housing units for the region. The program also assists individuals who are working to become first time homebuyers.
    • Emergency Solutions Grant (ESG): This grant provides emergency shelter and rapid rehousing services. It is specifically designed to help those currently experiencing homelessness.
    • Housing Opportunities for Persons with HIV/AIDS (HOPWA): This offers rental assistance and supportive services. It ensures stable housing for people living with HIV/AIDS.
POINT LOMA LIGHTHOUSE BY CASSP | GETTY IMAGES

County Investments in Long Term Housing Stability

Since 2017, the County has committed more than $334 million to expand affordable housing options. These funds come from the Innovative Housing Trust Fund along with state and federal sources. This long term commitment reflects a serious investment in the future of our local neighborhoods.

The results are tangible and growing every year. To date, the program has created 3,445 homes with another 2,610 units currently in development. This initiative provides the lifestyle benefit of “housing stability and safer homes” for our entire community.

Resident Resources and Next Steps

You can find more details about these initiatives by visiting the County’s Housing for All Hub. For information regarding neighborhood safety and community programs, you can visit the San Diego County Sheriff’s Department website. Staying informed about these changes helps you make better decisions for you.

For more real estate information tailored specifically for purchasing homes, you can read from our Buyer Series here.

Disclaimer: We do our best to source factual data from the best resources out there. However, it’s always advised for consumers to perform their own due diligence, confirm accuracy and consult a legal or real estate professional. All information is deemed reliable but not guaranteed.

If you’re exploring the San Diego real estate market, you’re in the right place.

Heather Connor, Realtor® DRE# 02205880
Real | RSPS®, CNE® | 619.404.6835 | vip@heatherconnor.com

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