Thanks for all the advices.
I think for coastal properties, the lot size is what determines the value. The land is worth far more than the house.

For me and my husband, it makes sense to focus on North County as I work in Carlsbad and he works in RB. It doesn’t make sense for us to live in Clairemont or other Southern areas.

I understand how we shouldn’t pay premium for good school district unless we have kids going to school soon. I just hope the over-inflated market price can drop when all the tax incentive by the gov is taken out. And again I think real estate is about location. Coastal areas are more expensive just because you cannot build into the waters. Also another concern…having been in SD for 8 years and going through TWO wild fires, I’m a little worrid for the area east or I-15 or close to 15. We were evacuated 3 years ago in 4S Ranch. I would not consider buying east of I-15 for that particular reason…just gives me a peach of mind. Also if I already have something in RB area, why would I buy my 2nd property there? doesn’t make sense to put all eggs in one basket.

I think every family has different needs…and hopefully I will be patient and lucky enough to find something I like that’s not over-priced too much.