Two areas to which I can comment are La Jolla, and Carmel Valley (92130). My wife and I grew up in LJ, and attended the public schools there with no regrets.
We raised our kids in Carmel Vallley and RSF, and they went to private schools, and colleges, but friends who have used the public school system in both LJ and CV also have no regrets. Checking out API scores in various areas of San Diego County might also be of help to you. (See below.)
Frankly, your housing budget will go a lot further in CV than LJ, and, from my perspective, CV also has the edge with regard to a great area to raise children. JMO.
Of course, the Poway School District is also great, but since you mentioned your housing interest is primarily coastal, you may or may not want to consider a location 10 miles or so inland.
