Delsionary! Laguna Niguel/Dana Point is some of the nicest RE in the country. A 2 earner white collar family with average jobs should earn $150K easily in this area. That is a very middle class situation around here and certainly not one destined to live in LN/DP in a nice size home. I’d put your 120K Household in a townhome in those areas for reasonableness. For a nice size detached home, I’m thinking Fullerton.