No way Cardiff is hip, cool. I live in an older neighborhood, and rent, and probably have the most professional type job of anyone on the block.
Most are long term owners from back when you could be a service worker or run a blue collar crew and be able to afford a home. However if you go and hang out around Yogi’s or VG’s people are pretty friendly. I suppose there are some upper crust type areas that are a little more exclusive, but I don’t pay much attention to those. My kids have not been shunned at school for being renters, the baseball is great, its a nice place.