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AVERAGE LIST RICE: 4 BEDROOM $667,000 - 3 BEDROOM $441,000

One of the older neighborhoods of the city. Views of the bay and Pacific. In northern area, on the flight path for the international airport. Other neighborhoods included but not broken out are Sunset Cliffs, La Playa, Roseville, and Loma Portal.

Point Loma is a long peninsula that hooks over the entrance to San Diego Bay. A gentle ridge about 50 feet high runs down the middle for most if its length. East of the ridge line many homes with views of the bay. West of it, the homes have views of the Pacific.

Point Loma is built out but with the closure of the Naval Training Base (opposite the airport to the west) some land might open. Point Loma is more oriented toward home ownership.

East of Rosecrans the land is taken by hotels, restaurants and stores. The residential section, to the west of Rosecrans, includes large, older homes. Old fashioned lampposts decorate the streets. Everything is well maintained. The look suggests a quieter, more genteel era. But there's a lot of the new here, many homes have been remodeled so exterior charm and modern convenience are found together. Some are up scale, many custom, and many modest. Views cost more, and possibly so does quiet - the noise from jets taking off at the San Diego Airport which is a problem in the north sector.

About 7 to 10 miles to downtown San Diego with a lot to do including beaches, water sports, playgrounds, and shopping.