It is a clear fact reiterated ad nauseam that median income should match median home price in affordability across the US. Either 28% of income or 3.5 times income, either way – the current market is not in proportion. SD is no exception and the SD economy will not thrive otherwise. Wages have been stagnant. This is a big gigantic sham and the middle class is being destroyed over it…the backbone of the economy, the middle class, will be broken by the supposed burden of indentured servitude to a mortgage. All sectors of the socioeconomic structure will destabilize if that happens.