In this we are in agreement . . . it is a social shame that a middle class family with 2.5 kids earning an upper middle class income can not even come close to affording an average sized SFH, with responsible financing, in a decent neighborhood within 20-30 minute commute from San Diego. It is lamentable. Sure some homeowners, who have been so for last 6-7years, have had an increase in their net worth . . . but at what macro social cost. The impact on the abilty of a middle class family to live and thrive is sad.