“I dont trust any stats I have seen because I haven’t seen any which accurately portray what has and is happening.”

The stats show the trend for the big picture and can’t do any better than that because the housing stock and location value of very few areas encompassed by a zip code, let alone two or three zips, is homogeneous. In the chart Normal Heights is lumped with Mission Valley. These two zips have very little in common. 92116 alone might as well be two or three worlds lumped together. It contains Kensington which resembles a higher tier and other areas that are almost on par with Logan Heights. You could have a house in that zip that is only down 3-5% and another 25%. The average for the two zips is 7%. From a buyer’s or a seller’s point of view that stat could be meaningless, beyond the obvious that almost all houses are falling to some degree. There are many applicable variations of the same theme for other areas.

Disclaimer: I am not bullish on any market, or even a particular house in the region.