What about Rancho Penasquitos? You still have access to the Poway Unified School District and there is quite a bit of socio-economic and cultural diversity. We moved to San Diego about 7 months ago from one of the best school districs in the Seattle suburbs. We were in temporary housing in PQ and I was a little nervous about how the schools would be because the school my kindergartener would attend had a pretty high rate of kids receiving free lunches. (We were at Los Penasquitos Elementary). Anyway, this school far surpassed what he was learning in kindergarten in Seattle, I was extrememly impressed with how dedicated the teachers and actively involved the parents were. And I was glad that my son had a chance to be in a classroom that was so culturally diverse, it was really great for him. I can’t verify this, but one of the mom’s told me that Los Pen had some of the highest scores in the district this year.
BTW, being a mom who totally wanted my family to feel settled when we moved here, we bought a place 3 months ago. So I totally understand wanting to buy, even when people warn you not to. I just want to say for you to try to understand the big econmic picture of a downturning market before you commit to owning a home. Had we done our research, we would have waited, at least another year or two, even though it would have been really hard.