[quote=permabear]
I’m looking at 92131, 92127, and 92064. If you’re making 200k, you’re in the top 5% of earners for any of those areas. That means you should be able to afford the top 5% of homes. [/quote]

You’re not and you shouldn’t.

In 92131, 200k would put you around the 75th percentile among all households and possibly as low as 60th percentile among homeowners. In 92064 and 92127, that would be the 80th percentile among all households and the 70th percentile among homeowners.