this post was submitted on 31 Aug 2024
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[–] [email protected] 19 points 2 months ago* (last edited 2 weeks ago) (3 children)

...in `98 i was paying $500 to rent a 650sf one-bedroom apartment at $30k salary; in 2008 i was paying $750 to rent a 650sf one-bedroom apartment at $45k salary; in 2018 i was paying $1250 mortgage on a 1500sf house at $85k salary: today i pay that same $1250 mortage at $105k salary and thank god i managed to save that down payment within twenty years, before the real estate speculators completely overran my local market...

...not sure what that illustrates other than 2024 is brutally expensive relative to pay: we bought three nectarines last night for six dollars at the local discount grocer, which would have cost less than a dollar thirty years ago...

[–] [email protected] 7 points 2 months ago (2 children)

Where I live 2K is at the low end for a 400sf studio (I am in a big city where rent is particularly high though).

[–] [email protected] 5 points 2 months ago* (last edited 2 months ago)

...i don't doubt it: when i left the bay area for cheaper lands twenty years ago, 650sf apartments were going for $1600 and i'm sure prices have only inflated since...my data points are all the cheap minima on my housing curve over the past ~~three~~ four decades...

edit: ...f*ck, i forgot how old i am; it happens on the north end of the century mark...

[–] [email protected] 2 points 2 months ago

Where I am $1300 gets you the luxury of living in someone's garage which is what I'm currently doing, not even remotely close to a city... Utilities not included of course.

[–] [email protected] 4 points 2 months ago

In my area:

  • 2014 - 2 br apartment, 500 sq ft for $650/month
  • 2015 - bought 2400 sq ft, 4br house; mortgage ~$1200
  • 2024 - checked Zillow, and a comparable apartment is $1.2-1.3k
  • 2024 - if I bought my house today at my same rate, my mortgage would be ~$2700

So, my mortgage is currently cheaper than the apartment I used to rent that was 1/4 the size with 1/2 the bedrooms, and my house would cost more than twice what it would if I bought with today's valuations. So over 10 years, both have approximately doubled. Regular inflation would put that instead at $860 rent and $1560 mortgage.

And we're far from the hardest hit area in the country, housing these days is just nuts.

[–] [email protected] 3 points 2 months ago

Where I live I'm looking at a possible $1600 mortgage for a 750sq ft. apartment if I live in a shitty part of town where I may need to replace a window due to stray bullets at some point.