While some of the San Diego real estate communities with the most affordable housing have the highest rate of foreclosed homes in the County, other communities with the least affordable housing have the lowest rate of foreclosures according to a report that was published last week by DataQuick.

The 92118, 92024, 92007, 92130 and 92011 zip codes in the oceanfront and beach areas in the County which include the communities of Coronado, Encinitas, Cardiff and SW Carlsbad as well as the community of Carmel Valley just east of I-5 had the lowest rate in foreclosed homes along with the other San Diego beach real estate areas. Since these areas are not affected by the foreclosures combined with the limited availability of homes for sale and high location desirability (location is always a huge factor in real estate), real estate values continue to rise in the oceanfront or beach communities in San Diego County such as Del Mar, Solana Beach, Pacific Beach, Point Loma and La Jolla.

Other San Diego County areas with low foreclosure rates which their real estate values are either holding or continue to rise are the communities of Scripps Ranch, Poway, Rancho Bernardo and 4s Ranch which all have in common high rated school districts.