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this post was submitted on 27 Jan 2024
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A Boring Dystopia
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Mortgages alone should be like $1-2k alone.
If you bought when rates were low. With today's rates, $2k per month buys you about $250k.
And $250k buys you half a condo in a town where houses were $220k five years ago.
The only things in that range around these parts are going to be burnt out husks of a house with a cheery "fixer-upper" in the listing title...
Rent isn’t debt. Think of renter paying that much, plus that much debt and it’s only going to get worse
Yea, my mortgage is around 900 and my car is 500 something but it's also an electric car, then I have solar panels I'm paying off. I feel like 1500 is low.
And that doesn't include the other monthly costs. Property tax is semiannual but if you have an escrow account it's paid monthly. And property insurance is pricey. If you don't put enough down, you'll have mortgage insurance too. A $2100 mortgage is fine, but it's more like $2800 when the other monthly costs are included