Back to the OP, it really depend on the type and age of houses you’re looking for. If I’m looking for a low $1M house, I would consider South West UC, something like this one: http://www.sdlookup.com/MLS-150049752-5561_Stresemann_San_Diego_CA_92122, put $100k to upgrade and spend the other $100-500k in private school.