The schools in San Ramon are excellent...from elementary school through high school. Having $250,000 in savings to use towards the purchase of a home certainly gives you lots of options. Before you make any decisions I would suggest you meet with a lender to determine the price of a home you can afford, whether you choose to spend that amount or not. The lender, or a financial planner, may also be in a position to advise you on the pros and cons of paying cash versus financing. Even if you have a large amount in savings, you may not want to put it all towards the home purchase. Remember, although the mortgage is a significant part of a home's cost, there are other financial obligations: insurance, property taxes, maintenance, possible HOA fees, etc.
After you determine your financial options with regards to home purchasing, then research the various communities. There is a big difference between Vallejo and San Ramon...in distance. Perhaps there are other cities / communities you'd be interested in as well. Some of this depends on your interests, commute requirements, weather considerations, etc.
I've sold homes in Vallejo and everyone seems happy with their purchase. I've also assisted clients in San Ramon. They also seem content. And so are clients in Dublin, Livermore, Pleasanton, Castro Valley, etc.
Alain Pinel Realtors