# Blog | Mary Maloney

> Notes from Mary Maloney on North County San Diego real estate, HOAs, and San Elijo Hills.

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North County notes

Local knowledge,written down.

Practical writing from Mary’s Hometown Realty archive—community details, ownership costs, and life around San Elijo Hills.

Light-filled North County home interior

July 21, 2026 · Community

HOA vs. Non-HOA Communities

Neither option is inherently better. The right fit depends on lifestyle, priorities, budget, and the details buyers will ask about later.

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July 21, 2026 · Buying

What Salary Do You Need to Buy in North County?

Buying power depends on income, debt, down payment, credit, and rates—not one magic number.

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July 21, 2026 · Buying

Hidden Costs of Buying a Home in California

Beyond the down payment: closing costs and the extras first-time buyers often miss.

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July 21, 2026 · Buying

How Much Money Do You Need to Buy in San Diego County?

Loan type and down payment matter. You may not need as much cash upfront as you think.

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July 10, 2026 · Local life

Double Peak Park: Hiking, Views, and Tips

One of the highest points in coastal North County, just above San Elijo Hills.

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July 10, 2026 · Community

A Guide to the Neighborhoods of San Elijo Hills

San Elijo Hills is more than one neighborhood, with different home styles, views, and settings across the community.

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