If you don't have as much money to spend on a place, go more inland. I live in PQ near Poway and used to live in El Cajon - both areas are a good 15 miles or so inland and are hotter areas, but are really nice to live in and much cheaper than the coast or central SD (Mission Valley etc.). I've lived in San Diego my whole life except for a year in Phoenix, and I'm not sure I'd ever consider living somewhere else even if it is really expensive to live here.
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