Something you guys aren’t considering is that there are starter neighborhoods, move up neighborhoods and destination neighborhoods.
Actually, I am and that’s why I let sdrealtor pick the zip. I knew I’d get something closer to Point Loma than to Clairemont…
There are places where a more significant number of people choose to buy their “dream home” (or home to grow old in as some people put it!), and there are places that are not that.
That said, even a lot of fairly modest zips probably have a decent number loyal homeowners. I know I’ve lived in a few of those.