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TN, USA
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Posted: 4/24/2024 1:02:36 PM EDT
[#1]
Quote HistoryOriginally Posted By HDLS: Mine was like 14 accords and now it’s about 27 accords.  My house has increased 1 Honda accord since I bought it last fall…. |
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GA, USA
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Posted: 4/24/2024 1:03:59 PM EDT
[#2]
As I have noted many times, I am an X-er born in the 60s.
My first apartment was 800 bucks in today’s dollars. They are now $1800-$2400 apartments. My first home was about 350K in today’s dollars. It’s now an 800K home. My nice home was about 480K in today’s dollars. It’s also now an 800K home. My last home was about 1M in today’s dollars. And would sell for 1.5 to 2M based on some unsolicited offers. At any stage of my life now, I could not currently have the same type of housing and other concurrent benefits of life that I was able to have then. I would not have had a nice, safe, no crime apartment with a great location. I would not have had a starter home in a no crime area with fantastic schools, parks, natural/recreational access, and a reasonable commute. My kids would not have grown up in a nice, safe area with huge yard and lake and decent public schools also reasonable from work. I would not have my little gentleman’s farm and set up, etc. Many people refuse to be cognizant of this. And belittle people for not achieving/having what they did at their age. |
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USA
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Posted: 4/24/2024 1:05:30 PM EDT
[#3]
Quote HistoryOriginally Posted By Cmikul: Its not so much i couldn't afford it as i would just never pay the current market value for my home. Its insane how much the value has increased. if i was going to spend that much i would move elsewhere and not buy this one. Yes, and exactly what I would do (move elsewhere) if I did not have family to consider. |
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OH, USA
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Posted: 4/24/2024 1:06:32 PM EDT
[#4]
Dollars are devalued / less buying power.
Borrowing money taxpayers have to pay or printing money and giving it away has consequences. |
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Posted: 4/24/2024 1:07:07 PM EDT
[#5]
Quote HistoryOriginally Posted By R2point0: More like 2-3 hours for the NVA area. She's been looking in West Virginia, Western MD, and Southern PA. Quote HistoryOriginally Posted By R2point0: Originally Posted By ranging-by-zipcode: Yep page two I think I posted about a long commute . Most of the kids don't want that hour or so drive each way . I mean I get it it sucks to drive that far everyday but it gets them out of paying a rental if their desire is homeownership That sucks. Sounds like locations like Front Royal and Leesburg are too expensive at this point. |
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TN, USA
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Posted: 4/24/2024 1:08:09 PM EDT
[#6]
Quote HistoryOriginally Posted By ramairthree: As I have noted many times, I am an X-er born in the 60s. My first apartment was 800 bucks in today’s dollars. They are now $1800-$2400 apartments. My first home was about 350K in today’s dollars. It’s now an 800K home. My nice home was about 480K in today’s dollars. It’s also now an 800K home. My last home was about 1M in today’s dollars. And would sell for 1.5 to 2M based on some unsolicited offers. At any stage of my life now, I could not currently have the same type of housing and other concurrent benefits of life that I was able to have then. I would not have had a nice, safe, no crime apartment with a great location. I would not have had a starter home in a no crime area with fantastic schools, parks, natural/recreational access, and a reasonable commute. My kids would not have grown up in a nice, safe area with huge yard and lake and decent public schools also reasonable from work. I would not have my little gentleman’s farm and set up, etc. Many people refuse to be cognizant of this. And belittle people for not achieving/having what they did at their age. Indeed. |
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Posted: 4/24/2024 1:08:45 PM EDT
[#7]
Yes, we have a SEVERE housing shortage which drives prices up. Exacerbated by government policies and subsidies on many levels ..one is mortgage interest write-off.
it's not a GOOD thing to have your wealth tied up in a home but it's better than having no wealth or worse, a home DECLINING in value due to general decay. |
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Posted: 4/24/2024 1:11:10 PM EDT
[#8]
Quote HistoryOriginally Posted By ag04blast: I often wonder if we continue on the path we are on if we will see Generational Mortgages become a thing in the US. I guess if parents put their home in a trust the trust as owner whould make the payments and own the house after being paid off. Kids , grandkids all beneficiaries. Of course who gets to live in house |
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USA
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Posted: 4/24/2024 1:14:42 PM EDT
[#9]
Boomers are also mostly retired. As a whole they pretty much already paid for their expensive stuff.
There is no reason why they should arbitrarily have to rebuy their most expensive belonging just because some younger person wants to stroke their generational angst. They probably couldn't afford to pay for their 2.5 kids worth of college a second time either.  In this thread we find out who hates people older than them. |
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Posted: 4/24/2024 1:15:42 PM EDT
[#10]
Before Covid I bought a house in 2019 for 570k. In August of last year I sold that same house in the city for enough to pay off the mortgage and pay cash for a slightly bigger, nicer and newer 450k house out in the suburbs. I couldn’t imagine having buy a home right now and have no plans of moving anytime soon as I enjoy not having a mortgage payment. I really feel bad for people that have to buy right now, especially young couples that are first time home buyers that have no equity to use from a different house.
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Posted: 4/24/2024 1:15:48 PM EDT
[#11]
Quote HistoryOriginally Posted By SeanTX: The future. https://www.ar15.com/media/mediaFiles/227/main-qimg-b5e5d3b32a28c1ee2b495855deb52b-3196630.JPG  Attached File |
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TX, USA
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Posted: 4/24/2024 1:16:39 PM EDT
[#12]
Quote HistoryOriginally Posted By DubyaB: I guess if parents put their home in a trust the trust as owner whould make the payments and own the house after being paid off. Kids , grandkids all beneficiaries. Of course who gets to live in house Quote HistoryOriginally Posted By DubyaB: Originally Posted By ag04blast: I often wonder if we continue on the path we are on if we will see Generational Mortgages become a thing in the US. I guess if parents put their home in a trust the trust as owner whould make the payments and own the house after being paid off. Kids , grandkids all beneficiaries. Of course who gets to live in house Japan now has 100 year mortgages. Give it a while, we’ll get there. |
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Posted: 4/24/2024 1:17:02 PM EDT
[#13]
Quote HistoryOriginally Posted By 73RR: Oh look another boomer hate thread. How about hate the politicians who engineered this shitstorm. Who engineered the whole COVID bullshit who spend all our money. And allow us to be invaded. But lets blame your fellow citizen and take the spotlight off the politicians who are happy to see us fight each other. |
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Posted: 4/24/2024 1:19:16 PM EDT
[#14]
We are lucky enough we could with no issues. I bought my house when just dating the now wife.
My pay has gone up 65% in 5 years. Hers has gone up as well. When I bought my house I did it with the price being what I could afford if she left. As we where only dating for a few months I did not want to depend on her income. At current value and interest rate we would need her income |
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USA
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Posted: 4/24/2024 1:21:56 PM EDT
[#15]
Quote HistoryOriginally Posted By ramairthree: As I have noted many times, I am an X-er born in the 60s. My first apartment was 800 bucks in today's dollars. They are now $1800-$2400 apartments. My first home was about 350K in today's dollars. It's now an 800K home. My nice home was about 480K in today's dollars. It's also now an 800K home. My last home was about 1M in today's dollars. And would sell for 1.5 to 2M based on some unsolicited offers. At any stage of my life now, I could not currently have the same type of housing and other concurrent benefits of life that I was able to have then. I would not have had a nice, safe, no crime apartment with a great location. I would not have had a starter home in a no crime area with fantastic schools, parks, natural/recreational access, and a reasonable commute. My kids would not have grown up in a nice, safe area with huge yard and lake and decent public schools also reasonable from work. I would not have my little gentleman's farm and set up, etc. Many people refuse to be cognizant of this. And belittle people for not achieving/having what they did at their age. I'm just a bit younger than you, and none of what you said is representative my area. It's a geographical/regional issue. Some places have exploded like crazy. Other places just haven't. The upside of this is that my kids can afford to live nearby. The downside is that my house hasn't quadrupled in value in the last 20 years. |
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Posted: 4/24/2024 1:25:44 PM EDT
[#16]
The future probably looks something like those hunger game movies with their different districts.
Might not be the worst option. Just need more infrastructure. People working low wage jobs could live way out in some low cost communities and high speed rail into the metro areas where there is actually work. Idk. The current path of home prices are unsustainable and will result in a permanent rental/serf class or .gov intervention and more projects being built with our tax dollars. There won’t be a bubble like 2008. |
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SGP
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Posted: 4/24/2024 1:26:05 PM EDT
[#17]
Quote HistoryOriginally Posted By R2point0: More like 2-3 hours for the NVA area. She's been looking in West Virginia, Western MD, and Southern PA. |
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Posted: 4/24/2024 1:26:23 PM EDT
[#18]
Quote HistoryOriginally Posted By DK-Prof: That sucks. Sounds like locations like Front Royal and Leesburg are too expensive at this point. |
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CT, USA
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Posted: 4/24/2024 1:34:06 PM EDT
[Last Edit: ranging-by-zipcode]
[#19]
https://www.zillow.com/homedetails/20229-Fishinfun-Rd-Willow-AK-99688/345092292_zpid/
 10X16 cabin in the woods. Will owner finance to qualified buyer. No well or septic, property is unfinished. $7,500 
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Posted: 4/24/2024 1:36:00 PM EDT
[Last Edit: eagarminuteman]
[#20]
Quote HistoryOriginally Posted By ranging-by-zipcode: https://www.zillow.com/homedetails/20229-Fishinfun-Rd-Willow-AK-99688/345092292_zpid/ 10X16 cabin in the woods. Will owner finance to qualified buyer. No well or septic, property is unfinished. $7,500 Me omw to convince my wife to move into a 169 sqft studio in AK with no running water cause it’s all we can afford.
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TX, USA
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Posted: 4/24/2024 1:38:44 PM EDT
[Last Edit: C3H5N3O9]
[#21]
Quote HistoryOriginally Posted By eagarminuteman: Me omw to convince my wife to move into a 169 sqft studio in AK with no running water cause it’s all we can afford. Quote HistoryOriginally Posted By eagarminuteman: Originally Posted By ranging-by-zipcode: https://www.zillow.com/homedetails/20229-Fishinfun-Rd-Willow-AK-99688/345092292_zpid/ 10X16 cabin in the woods. Will owner finance to qualified buyer. No well or septic, property is unfinished. $7,500 Me omw to convince my wife to move into a 169 sqft studio in AK with no running water cause it’s all we can afford. Some boomer will be along soon to tell you that their first home was worse, and you’re soft for complaining. ETA: sarcasm |
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CT, USA
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Posted: 4/24/2024 1:39:15 PM EDT
[#22]
Quote HistoryOriginally Posted By eagarminuteman: Me omw to convince my wife to move into a 169 sqft studio in AK with no running water cause it’s all we can afford. Just tell her think of the adventure she will have
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Posted: 4/24/2024 1:44:50 PM EDT
[#23]
Quote HistoryOriginally Posted By ranging-by-zipcode: Just tell her think of the adventure she will have At least I’d finally have a reason to invest in some 44 magnum firearms. Something tells me 5.56 ain’t great against grizzly bears and moose.
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USA
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Posted: 4/24/2024 1:45:59 PM EDT
[#24]
Quote HistoryOriginally Posted By Mall-Ninja: More bitching about how it’s SO HARD for young people today. My parents’ home isn’t their first house. Or even their second. There was a long line of houses that were bought/sold before it, as their careers progressed. In other words they used the equity and what not to keep getting bigger homes |
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USA
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Posted: 4/24/2024 1:47:18 PM EDT
[Last Edit: miseses]
[#25]
Quote HistoryOriginally Posted By ranging-by-zipcode: Just tell her think of the adventure she will have Quote HistoryOriginally Posted By ranging-by-zipcode: Originally Posted By eagarminuteman: Me omw to convince my wife to move into a 169 sqft studio in AK with no running water cause it’s all we can afford. Just tell her think of the adventure she will have Which brings us to the other half of the problem. "Family" (aka women's social justice) courts have been set up so that if you give up on the overpriced house and want to buy a place in alaska, the wife can just claim the children and 20% of your 'imputed' estimated income (the kind you can only really earn in some high-rent city, meaning it's functionally illegal to move to anywhere rural) 'for the good of the child' plus alimony, and some fucking asshole will come yank you out of your 160 sq ft cabin which is the only thing you could afford and instead toss you in a cage. Of course these social justice courts also came to prominence at the election of the boomers. Then she'll take ~30% of your pretax income, find a boyfriend, then use both your incomes and might be able to buy out a boomer's house. |
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Posted: 4/24/2024 1:49:34 PM EDT
[#26]
Quote HistoryOriginally Posted By SeanTX: The future. https://www.ar15.com/media/mediaFiles/227/main-qimg-b5e5d3b32a28c1ee2b495855deb52b-3196630.JPG I bet you're right |
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Posted: 4/24/2024 1:50:42 PM EDT
[#27]
Quote HistoryOriginally Posted By ScopeScar: F the government that caused this. Quote HistoryOriginally Posted By ScopeScar: Originally Posted By Dano556x45mm: F the boomers. F the government that caused this. Who elected that government? |
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Posted: 4/24/2024 1:51:29 PM EDT
[Last Edit: Bigger_Hammer]
[#28]
Quote HistoryOriginally Posted By madwis15: No way could I afford to buy my house for what it's worth today. It's quadrupled in value in the 30 years I've owned it. My pay has not kept up. I feel bad for the new generation of renters. ... This. Young married me could not afford the home we purchased 30 years ago - even with increases in wages. The low low interest rates post 2008 were huge for institutional investors scooping up property left & right to turn to rentals. Which increases rents, it gets ever harder to save toward a purchase. Bigger_Hammer 
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TX, USA
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Posted: 4/24/2024 1:51:32 PM EDT
[#29]
Kill the capital gains tax on home sales for 5-10 years. That will get shit moving. I am not planning on selling until I move out of thee country.
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Posted: 4/24/2024 1:51:55 PM EDT
[#30]
Quote HistoryOriginally Posted By eagarminuteman: Me omw to convince my wife to move into a 169 sqft studio in AK with no running water cause it’s all we can afford. Update: Wife said no because of bears. Guess we’ll rent forever.
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TX, USA
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Posted: 4/24/2024 1:52:41 PM EDT
[#31]
Quote HistoryOriginally Posted By eagarminuteman: At least I’d finally have a reason to invest in some 44 magnum firearms. Something tells me 5.56 ain’t great against grizzly bears and moose. Quote HistoryOriginally Posted By eagarminuteman: Originally Posted By ranging-by-zipcode: Just tell her think of the adventure she will have At least I’d finally have a reason to invest in some 44 magnum firearms. Something tells me 5.56 ain’t great against grizzly bears and moose. Just get yourself a .50 beo barrel and some mags. It will probably be cheaper. |
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Posted: 4/24/2024 1:52:52 PM EDT
[#32]
Quote HistoryOriginally Posted By Dano556x45mm: F the boomers. Bless your heart.
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Posted: 4/24/2024 1:53:29 PM EDT
[Last Edit: von_landstuhl]
[#33]
Gen-Xer here. I bought my home in 1995 and wouldn't be able to afford it today because rates have doubled and the value of the home has tripled.
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TX, USA
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Posted: 4/24/2024 1:54:23 PM EDT
[#34]
Quote HistoryOriginally Posted By pestilence12: Whats wrong is that while investments and value has gone up, income has not. https://imgs.search.brave.com/PS0nw6YL-fxbP50qnpfMq7VVwPob-2aUX-J88Xsb2Yk/rs:fit:860:0:0/g:ce/aHR0cHM6Ly93b2xm/c3RyZWV0LmNvbS93/cC1jb250ZW50L3Vw/bG9hZHMvMjAxOS8w/Ny9VUy1pbmNvbWUt/di1ob3VzaW5nLTIt/d2VzdC0ucG5n https://posts.voronoiapp.com/_next/image?url=https%3A%2F%2Fcdn.voronoiapp.com%2Fpublic%2Fimages%2Fa7cf7d8e-3864-4f51-8b39-f4c8b2d478e1.jpeg&w=1920&q=75 STOP being so goddamn MEDIAN RISE above it all and make some money so this DOES NOT APPLY to you!!! Whats STOPPING you? |
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Posted: 4/24/2024 1:54:42 PM EDT
[#35]
Quote HistoryOriginally Posted By osprey21: lol Bless your heart.
Ok, now, I got banned from the covid forum for saying that... |
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USA
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Posted: 4/24/2024 2:00:41 PM EDT
[#36]
Quote HistoryOriginally Posted By miseses: Before covid I was almost able to buy a house with cash. Kept waiting thinking prices would drop. After covid prices exploded so much I had to just buy raw land and build a tiny house myself for cost of materials, because literally everything was gone and what little wasn't was 3x the price it was before. The fed really damned people with young expanding families by pinning interest rates near 0, guaranteeing an arms race to lock in all the housing for 30 years. You simply can't compete with somebody who has a mortgage with negative real interest rates, they'll never sell for less than a kings ransom. In effect they bifurcated the populace -- those who secured housing before or at the beginning of covid, and those who hadn't. It will take at least a decade before the bifurcation starts to wane. Yep. I have to rent what I could have bought 5 years prior. |
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Posted: 4/24/2024 2:00:47 PM EDT
[#37]
Quote HistoryOriginally Posted By Sharkman74: STOP being so goddamn MEDIAN RISE above it all and make some money so this DOES NOT APPLY to you!!! Whats STOPPING you? NFA stuff, mostly
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NC, USA
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Posted: 4/24/2024 2:03:55 PM EDT
[#38]
I bet housing wpuld be more affordable if there weren't 30 million extra people living in them.
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Posted: 4/24/2024 2:11:54 PM EDT
[#39]
I don't know if it is really couldn't, or wouldn't.
If I am paying $3,000 a month for a house payment and you asked me if I would be willing to pay $5,000 a month for the same house of course I would say no. Has very little to do with my ability to pay an extra $2,000 a month for a house. If I am paying more, I expect more. |
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Posted: 4/24/2024 2:12:01 PM EDT
[#40]
Quote HistoryOriginally Posted By Dano556x45mm: F the boomers. Jealousy is a terrible sin to bear. Odd my 32yr old son with two homes doesn't hate Gen X or Boomers. He just served his country for five years, married a tall pretty blond, had two amazing kids and is working and happy. Now hating Trump for printing that extra 2-3 trillion and giving it all away, yea I understand. Does your life suck? And if so what have you done to change it? Other than blaming boomers. |
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TX, USA
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Posted: 4/24/2024 2:14:59 PM EDT
[Last Edit: C3H5N3O9]
[#41]
Quote HistoryOriginally Posted By Sharkman74: STOP being so goddamn MEDIAN RISE above it all and make some money so this DOES NOT APPLY to you!!! Whats STOPPING you? Quote HistoryOriginally Posted By Sharkman74: Originally Posted By pestilence12: Whats wrong is that while investments and value has gone up, income has not. https://imgs.search.brave.com/PS0nw6YL-fxbP50qnpfMq7VVwPob-2aUX-J88Xsb2Yk/rs:fit:860:0:0/g:ce/aHR0cHM6Ly93b2xm/c3RyZWV0LmNvbS93/cC1jb250ZW50L3Vw/bG9hZHMvMjAxOS8w/Ny9VUy1pbmNvbWUt/di1ob3VzaW5nLTIt/d2VzdC0ucG5n https://posts.voronoiapp.com/_next/image?url=https%3A%2F%2Fcdn.voronoiapp.com%2Fpublic%2Fimages%2Fa7cf7d8e-3864-4f51-8b39-f4c8b2d478e1.jpeg&w=1920&q=75 STOP being so goddamn MEDIAN RISE above it all and make some money so this DOES NOT APPLY to you!!! Whats STOPPING you? Check out the big brain on Sharkman74. An entire thread discussing how the middle class is being priced out of home ownership, which is a big chuck of the foundation of the American dream, but he’s figured it out. Everyone should just stop being middle class. Be upper class instead. See that was easy. |
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Posted: 4/24/2024 2:15:46 PM EDT
[#42]
Quote HistoryOriginally Posted By madwis15: No way could I afford to buy my house for what it's worth today. It's quadrupled in value in the 30 years I've owned it. My pay has not kept up. I feel bad for the new generation of renters. They will end up with the government and situation they voted for. What's really fucked is that your property taxes continue to rise. People that could barely afford their home before likely can't now. And because the gov says it's worth more, somehow I owe them more money??? |
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Posted: 4/24/2024 2:17:22 PM EDT
[#43]
Quote HistoryOriginally Posted By C3H5N3O9: Check out the big brain on Sharkman74. An entire thread discussing how the middle class is being priced out of home ownership, which is a big chuck of the foundation of the American dream, but he’s figured it out. Everyone should just stop being middle class. Be upper class instead. See that was easy. Genius right there just solved the whole issue, how come we never thought of that? |
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Posted: 4/24/2024 2:18:25 PM EDT
[#44]
Quote HistoryOriginally Posted By R2point0: My daughter is 28 and lives a very frugal life. She doesn't make a lot for the Northern VA area, yet she's still managed to save up almost 40k. But housing prices around here are simply out of reach. As it is she splits an apartment with a roommate and still spends 40% of her take-home on housing. Yes, she's looking for another job, but she could bump her salary by 50% and still be priced out of the market. Yep. Daughter in PHX is in the same boat. |
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Posted: 4/24/2024 2:22:12 PM EDT
[#45]
Quote HistoryOriginally Posted By ranging-by-zipcode: https://www.zillow.com/homedetails/20229-Fishinfun-Rd-Willow-AK-99688/345092292_zpid/ https://i.postimg.cc/jqwj2RCv/b9df423df76c24dedb9c3a9a3d1cb118-cc-ft-768.webp 10X16 cabin in the woods. Will owner finance to qualified buyer. No well or septic, property is unfinished. $7,500 That is tempting, but I am pretty sure I'm not hard enough to make it happen. 
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Posted: 4/24/2024 2:22:39 PM EDT
[#46]
I couldn’t afford the house I bought 8 years ago today.
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Posted: 4/24/2024 2:23:13 PM EDT
[#47]
Quote HistoryOriginally Posted By mikepiet: I saw an add on TV last night about assuming the mortgage of the home you want to buy. I think it might have been a realator.com ad but made me think, that would be something. What about the equity portion? |
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Posted: 4/24/2024 2:24:10 PM EDT
[#48]
Quote HistoryOriginally Posted By ScopeScar: Why the lol? Quote HistoryOriginally Posted By ScopeScar: Originally Posted By redfish86: Lol. https://www.ar15.com/media/mediaFiles/136311/02CB8AEE-3ACD-4268-9E82-C51B4559EBBC_png-3196657.JPG Why the lol? Because interest rates have been higher than they are now, much higher. And it was when “boomers” were buying their first houses. Saying interest rates are why people can’t afford stuff now is laughable. |
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Posted: 4/24/2024 2:26:14 PM EDT
[#49]
Quote HistoryOriginally Posted By Dopple: There's no way I'd find another house for $77K like we did in 2005. It's small, 1100sqft 1957 ranch, full basement, 2+ car garage on 1/2 acre, but it's enough for the 2 of us if we had about 12 yard sales. He spent another year and $100k fixing it up and has no mortgage. So like my son he is 32, wife and two kids with one paid off home. |
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USA
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Posted: 4/24/2024 2:26:33 PM EDT
[#50]
Quote HistoryOriginally Posted By HecklerKac: In other words they used the equity and what not to keep getting bigger homes |
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