Cardiff-by-the-Sea, usually referred to as Cardiff, is a beach community located in Encinitas, bordering Solana Beach to the south, the Pacific Ocean to the west, and Encinitas on its east and north. With a population of under 12,000, Cardiff-by-the-Sea operates as part of the city of Encinitas, but unlike the other communities that comprise Encinitas, has its own ZIP code (92007).

Cardiff is one of those "local" spots - the people who hang out in Cardiff live in Cardiff. No real town center to speak of, Cardiff is all about its beaches accessible off Hwy 101. Cardiff is also known for San Elijo Lagoon and the very popular San Elijo State Beach Campground. Cardiff Reef ("The Reef") is a popular surf spot in Cardiff that produces waves both professional and novice surfers enjoy year round. Surfing at The Reef has progressed from just a few surfers in the 1950s to become one of the most popular surfing spots in San Diego County. When the tide is low, a flat rock reef is revealed that extends 50 yards from shore. Exploring these tide pools is a popular activity for visitors of Cardiff.  Cardiff’s Restaurant Row is also very popular, where you can dine right on the beach.