carlsbadworker, the only problem with 3-bedrooms apartment is that they’re very rare. As a personal use, I think compare to rent of similar house is better, since you have to live somewhere and you have to compare apple to apple in regards to the place you’ll be living in.
San Diego, I think, is a long way from <50%*rent, if it ever get there. However, places like Fresno is already there.