jstoesz – You need to do what you are comfortable with. If you are not comfortable buying in SD county, that’s great, do what you need to do for you and your family.
But, here’s some perspective on historical affordability in the area …
We moved to SD from the midwest. I spent 10 years in college, my wife spent 5, we were being paid 2x the median household income in San Diego in the mid 1990’s. When we bought in 1996, we could afford a median-priced 1100 square foot 3/1 in Clairemont with a single-car garage. And that was at the most affordable stage of the market in 20 years !
You are right, prices are crazy in San Diego, even when they are at the most affordable levels of a generation.