this post was submitted on 27 Oct 2025
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Just as a real example, 70-80k/year is very feasible in the Philadelphia area. I saved up around 90k across a decade (with a worse income...) and bought a place for slightly over 350k. The thing is you NEED that initial down payment amount to make those numbers work, PMI with less than a conventionally mortgage down payment is a debt trap. Most people aren't financially literate, and people with large amounts of capital take advantage of that in the lending and real estate industries.
If you can settle or pool resources this all gets easier, and if you have disabilities or make poor financial decisions it becomes impossible and you rent trap yourself. Renting still makes more sense for people with jobs that move around, though.
Ah, good on you! How long ago did you buy the place?
A year ago. It took about 9 months to find something which was a good value proposition beyond just being a home to live in, and my wife wasn't ready to move before that.