$00 to 45K = low income
$45K to 100K = lower MC income
$100K to 200K = MC income
$200K to 350K = upper MC income
wealth = non RE and non-retirement assets of $1.5M or more
[/quote]
Based on this definition, there is exactly one upper MC zip code (i.e. a zip code where at least half of all population is upper MC) in the entire county, and that is 92067, Rancho Santa Fe.
If I massage the data a little bit, by excluding everyone who lives in apartments and condos, for example, I can get Del Mar, Solana Beach and Carmel Valley into that category.
I think that you’re seriously overestimating the average wealth/income of San Diegans.
Or maybe we have different concepts of “lower MC/upper MC”. It seems that, in your worldview, the 60th percentile is “lower MC” and even the 90th percentile is still “middle class”.