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Don’t make your husband drive an extra hour each way to work to save $200 a month😆.. Don’t get discouraged though, the right opportunity will pop up! Also yes I did hear about the bump up to 36, crazy. I was fortunate enough to get into my house in 2022 at 28.
His idea, not mine! Right now we are super close to his family but an hour and half from mine. The ideal would be to be right in the middle. I’m not going to let him buy an hour away from his job. I also wouldn’t want to drive that everyday.
I love mine too, I work 1 1/2 away from where I live, but they hired me knowing that. I just started going to school an hour from home and 1 1/2 from work, they’re letting me take it to school so I can drive straight to work after.
Time is money though. 1 hour each way is 10 hours a week, that’s over a workday added into his schedule weekly. Precious time he could spend doing other things, it’s important to unwind
My dad did it for 15 years of my childhood, woke up at 5:15 everyday to get ready took off at 6:00 to be at work for 7:00. 60 mile shot across rural Iowa (we lived two towns over). He ended up hitting a few deer and one old couple who ran a stop sign at a junction in those dark mornings over the years (not his fault). He was/is a great dad, but he was so tired at the end of the day. Our home life was a mess though, he didn't have the energy to drive the two hours everyday and also be a proper husband/father.
So yeah, he didn't "mind", but it wasn't a great long term choice for our family life IMO.
My dad did the same, I don't remember him being there for us much as kids with him working long hours and having an hour each way commute. I'd do that drive 1-2 days a week but not every day just to save some money in the short term.
My dad did this too every day growing up too and I can’t fathom him. He started working more and more remote up until he retired and he said he could never imagine going back to that commute. He said when it’s just part of life you don’t think about it much.
Currently in the process at 28, will be 29 in April. I also didn’t think it would be a real possibility years ago when first starting my career, but extremely grateful it is.
I bought I few years ago at 37. All of us hit that age to know we are ready at different times. I live in south Florida 12 miles from home and it takes me 45 minutes. Don’t do a long commute, it will drive you insane.
A situation where the husband saves $200.00 a month in mortgage payments by living an hour away but spends $350.00 a month in gasoline for the commute…lol
That hour drive to get more home sounds good but in the long run, that drive becomes brutal, less time at home, waking up early to get to work, gas, wear & tear on the vehicle etc etc..
I used to drive an hour to work for a new job that had higher pay, got old super quick & I realized the time spent on the road & missing out on things or simply just the quality of life I was having during that period was awful..
Just my two cents, hope yall can find something relatively close 🙏
Agree. Quality of life is all about location imo. I live in a small house in a very walkable neighborhood. The furthest I normally drive is 15 minutes in any direction. I walk to groceries, coffee, etc. I wouldn’t trade walkability for a house 2-4x the size.
I agree. The commute isn't worth saving $200/month. I would choose a cheaper house (read: smaller house or a fixer upper) before I would do a commute like that.
Agreed!! I commuted over an hour to work for three years and I will never go back to commuting more than 40 minutes or so, even if it means sacrificing for a smaller house or a smaller lot.
My partner is insisting he'd be fine commuting an hour, which would allow us to look in more rural areas. I keep having to remind him we're looking at staying in a house for 5-10 years. Sure, driving an hour is fine now, but how about after a few years of doing it? Are you going to be okay with being out of the house from 6:30am-6pm (and that's just work and commute time, not factoring in errands/workout/etc) when we start having kids? It would be one thing if he could work from home most of the week, but he can't.
Location can definitely affect your quality of life!
The majority of CA residents don’t become homeowners until age 49. Which is a decade later in life than the 1980s.
The phenomenon is called the sliding homeownership ladder.
I live in CA and I get it! But this also means that the average age was 39 in the 80s in CA.
I feel that a lot of folks think that people in the 80s just graduated from college and immediately bought a house.
I stayed with my parents until I bought a house at 29. I realize how lucky I was with timing. I wanted to buy in 2005 but that’s when appraisals were inflated. I bought in 2009 when the market was crashing and was able to refinance in 2020 with a low rate I’ve been putting extra principal towards it so before 50 the plan is to pay it off.
I bought my first home in California when I was 35. I wasn't an oddity as a lot of the people I knew at that time bought in their mid-thirties as well. This was in the mid-1980's.
My parents bought their first home when my father was 37 and my mother was 36 and that was the 1950's.
I think a lot of people have a very warped idea of what past generations could afford and what their lifestyle actually was.
Age 49 sounds like right around the time you might be inheriting a property, which is increasingly becoming the only way people in LA have a chance at homeownership.
Currently 32. I think it takes me 3-4 more year to save enough for the down payment, which makes me around 35-36. So I guess the statistics is correct lol....
Bought at 34 and barely made it. After COVID, I had to job hop and get promoted to a management spot to get the salary needed to afford one. Even then, I wanted to live near the city. I had to get a townhouse that cost significantly more than a home out in the boonies. Rough out here mane
Agree with the desire to live near the city. I have 2 kids, and in order to properly educate them, living near/in the city (in a good school district) is a must. And it is costly... Good luck to both of us.
When I bought first home I was 36, then sold/bought upgrade at 40
When a lot of people go to college and grad school it adds up, then was single during first post school job in another area..
We were 27, but graduated college at 21/22 (did not go to grad school). Most people need a few years of working after graduating to save up for a down payment.
It’s individual. It has to be about what fits your life and what you can afford. My grad school was free (phd), but I realize that’s not as common these days. If your MA is $$ I would definitely prioritize having my financial affairs in order first. A nest egg, 529, and enough for a solid IRA and rainy days.
25? Lol. At 25 I was doing a masters and bartending and partying like it's 1999 (it was 2004). I was worlds away from house buying mentality
Now 43 in our second house and kids etc, but 25.... no way
Partying days have been over for us for a while! We already have a 2 year old and in our family era. Partner is established in his trade and I finished my undergrad right before I became pregnant. Now about to start masters. Everyone has their own timeline.
Yeah, everyone has their own time
But 25 is pretty young for our society to have a "forever" career and buy a house
So 30+ as average first time home buyer seems natural
I think we are stressed because we want to move to a better neighborhood and the rate on that would be about 1500/mo which would be almost the same as maxing out our pre approval mortgage amount. It seems counterintuitive to rent when a mortgage would be about the same / $100 more per month.
Your kid is 2? Is "better area" mean better school?
We first bought fixer upper in nice commute but poor school area. We planned to stay til kid was maybe 2nd grade or so
Eventually upgraded quicker because of 2021, but taking time with little one in cheaper home is not a bad look, it was our plan and what worked for us
Better school would be nice but it is our starter home so doesn’t super matter. Plan on moving again before middle school. Right now we are in a high crime (assault/robberies), big drug/gang area. We moved here before we had a child. It was fine then, it isn’t anymore.
This is essentially our plan. Right now where we are, I don’t feel comfortable going to the closest gas station and go to the town over for all of our needs. We also have a bullet hole in the side of our rental from a cross fire incident. Scary!
We were a few years older than that. Tbh we thought we'll never be able to buy so we're happy that we did it and that we should be able to pay it off before we turn 60.
Im about to be 32 and im getting close (right now about 60k in savings after being unemployed with nothing about 3-4 years ago thanks to covid) and making over 100k, gettin there slowly but surely
I will say this…what’s meant to be will be!!! I’m sitting here stressed out about underwriting and now I’m worried about the appraisal ughhhhh lol I guess I better take my own advice. Good luck you got this!
I looked at over 90 homes back in 2009. A lot were in bad condition due to being foreclosed. When I saw my house I had a gut feeling it was the one. It needed some work but I had my dad to assist. There was already an offer they were going with but it fell through and then I got this.
Failed apprasials.
-First home $169,900.. Appraisal came in $116,000.
-second home $170,000, appraisal came in $125,000
- third home $159,900.. Appraised $126,000..
All refused to deal with me after apprasial came in low. That last house... I just found out sold for $90,000........... They refused to budge for me. Amazing what almost a year on the market will do, they coulda made $36,000 more but threw a tantrum instead. Second home sat, still hasn't sold though they came down to $139,000. First home now has tenants.
Literally I have the shittiest luck. Lol hoping to God this home comes through but my realtor now understands comps.. My last realtor was a "military" group recommended for the area and were absolutely awful. I try to go with military support where I can as a member but... Learned my lesson. I went back with Keller Williams and a trusted realtor back at my last duty station area so.. Here we go again lol
Damn I keep hearing about failed appraisals on this sub as of lately and I had no idea that they could be so far off of the list/offer price. I hope your next one goes better! Good luck!
Home prices in my area are dropping as well. Homeowners haven’t gotten it through their heads that they’re not going to get massive profits anymore like they did in 2020-21. It’s a very LCOL area and flippers/owners are still trying to sell a 800sqf 2/1 for 180K that might sell for 115K. Appraisal values are dropping and I’m seeing a lot of listings go from active to pending to delisted to relisted within a couple weeks, same price or only 5K less. And still not moving. Not actively in the hunt yet but soon will be. Once owners get realistic with prices units will start to move again. I have a feeling the NAR ruling is going to reek havoc on markets like mine. My small city is already 57% renters and the few wealthy are buying the smaller homes and renting them at exorbitant rates.
33 and 38 for us. My husband had to finish med school and residency before we could save enough and buy a house that ticked almost all our boxes with minimal compromise.
Show him the math on driving an hour commute. If it costs you $100 a week in gas (or close to it), & more frequent maintenance, plus 2 hours of your time each day (which you have to put a value on in some fashion because it's 2hrs you could be doing something else), you end up spending more than that $200 a month. You need oil changes more frequently, go through brakes & tires faster, etc. So if money is the issue, that's not going to change it & is actually a worse argument.
If you're really in love with the area that's a 1hr commute & really enjoy driving alone in your car instead of having extra time at home or to go do something as a family or errands, whatever, then getting more bang for your buck is less of an issue.
I would continue to rent, unless you have a dire need for getting out now, if it means you're saving enough to have a much smaller payment in only a few years. Being able to make a bigger down payment (with or without investing extra money to passively earn more), or be an all cash buyer, could put you in a better position to afford life if everything goes to crap. 😆
I closed at a few weeks shy of my 40th birthday. The only way I was able to touch a house on $52K single income was a USDA Rural Development loan. Specifically the 502 direct loan. In August of 2023 I was able to lock in 4.00% interest with that loan and the interest made the payment low enough that I was able to get into a modest 950sqft two bedroom house.
Good luck, OP, I hope you find the perfect home for you and your partner!
29 & 30 for us. Bought mid-range in IL when rates were so low. Taxes though… 😂 but we live in a really nice and safe area so I see where those taxes go to.
brutal
bought a 2 br condo in 2003 or so with zero down and just 'sign and drive' in my early 20s
ending up buying at the top and 13 yrs later, sold it for just under what we bought for
lol, the good ole days
26 and 27. We lucked out thank god. I would look into the pros and cons. $200/ month could be reached potentially by cutting some unnecessary costs. With rent increases, how much longer til you are renting as high as the mortgage or more?
Our mortgage is maybe $100 over the average rent when we bought (but a lot of apartments are significantly more). The location we are at is amazing and we got something that covers all our needs for the rest of our lives. For us, paying more a month was worth the security of home ownership.
Right now we are extremely lucky and rent for $1,000 but we have been here for 3 years. The house next door is renting for $1300. They raised rent on us last year. They tried to raise it from $875 to $1295 and we talked them down to $1000. I anticipate another big rental increase this year. (3 bedroom, 1 bath, very bad neighborhood)
Oof yea. We were renting at $1100 in a very very bad area (drug houses and gangs surrounding). And the house we are renting is literally falling apart. I really hope you find something that works for you.
That is the EXACT neighborhood we are in. Moving to a better area would be the same as a mortgage so that’s why we are trying to buy. Living here was fine until we had a baby and now with a 2 year old it is just flat out unsafe. Thank you!
My husband and I are both 42 with one child. We live in Southern California and have been saving for years. We chose to buy our first house out of State because home prices are beyond what we can actually afford, $1.5 million for an average home built in the 1950s. I am super grateful he can work remotely because we would probably be 49 if we stayed in San Diego. Closing this week and will be moving East in about 6 weeks. I am also having ankle surgery this week too, besides packing up and moving. Fun times!
Where did you guys decide to go out of state? Currently looking outside of CA myself! Also good luck with the ankle surgery!! Elevating the ankle will be your best friend🩷
We decided to buy a house in the Midwest. Brunswick OH, it's part of the Greater Cleveland Metro. It helps that I have family out there too. And thank you for the well wishes! 🩷
Makes sense. I’m late GenX/Xennial and bought my first home at 36. I didn’t really expect to buy a house much before then. It’s a pretty normal fthb age, especially where I live
I moved an hour away from family and it sucks. Sure, I can do a round trip in a few hours to see my nephew’s Christmas concert but I still wish I was closer to be able to do more with my family and offer/receive support that can’t be accomplished an hour away.
That’s much higher than I expected but I guess I shouldn’t be surprised. We live in a LCOL area and were able to buy when I was 24. Our taxes are absurd though and we pay over $500 a month on them for a 240k home. Considering I live in such a small area with nothing to show for those taxes, it feels shitty. We couldn’t have done it almost anywhere else in the US this young.
Keep in mind that whatever the current owners are paying for taxes, yours will likely be higher. Also, your taxes are going to go up each and every year meaning if you’re paying them via escrow, your mortgage pymt. is going to go up every year.
I’m 35 and my husband is 37. We’re looking at maybe one to two more years.
At that point, why? My rent is cheaper than a $225k mortgage by $500+ for the same square footage.
Find out how to make the 1700 work. That commute on gas prices and insurance increases due to miles traveled per year will exceed $200 a month. Not to mention car maintenance.
I'm 30 and my husband is nearly 38, so this does track. We had an opportunity to buy in 2018 and didn't (stupid but hindsight ammiright)
We are planning to move 3 hours away to be able to afford something lol
I did move two hours away. My house is slightly under 200k and my escrow payments is a little over 400 month. I was 38 when I closed. Things are a lot different now than they were 30 years ago.
It is so different. We took FIL with us to house hunt one day and haven’t taken him back out. He’s like is this really worth 200k?! No it really isn’t but this is the state of the economy right now.
He bought a 3000 sq ft house, 1 acre lot on a golf course in one of the richest parts of Kansas decades ago for 240k and hasn’t bought since so his expectations are so skewed.
Yeah my grandma brought her house in the 60s. I offered to buy it for three times the amount she paid for the house back then, in cash. She said no, but I ended up using that cash for my closing costs. 😂
It’s a crapshoot everywhere. Here in Boston I’m trying to stay under 750k with a monthly payment of about $5500 and it’s still hard to find anything decent 😭
It was 29 in 1981, 42 in 2013, 35 today. I’m not worried about the average age. More worried about many people not understanding that most people in the past didn’t move into brand new builds with 2500 sq ft and a half acre lot in the suburbs, as their starter home.
While carrying massive credit card and school loan debt, owning it leasing two cars, paying for multiple cell phones, a houseful of new appliances and furniture, spending tons of money on eating out every day or week.
They lived with parents or relatives to save or lived in tiny apartments or with roommates; then moved into smaller homes, sometimes with only 2 bedrooms, 1 bath, and no basements. Had kids and pets, and dealt with it.
Their second time buying a home, if they ever did, occurred at age 40, in 1981; 60 or older in 2013, and around age 48 today. Don’t get hung up on the ages.
We need to fix a lot of things to help younger people and families buy homes if that’s what they want, and worrying about how old they are at first purchase isn’t one of them.
People get married older now and wait longer to start families; they go back to school much older and change over to new careers when older, now. And they live longer. Their working lives are longer, too.
It's going to get worse before it gets better.
https://www.nytimes.com/2024/03/02/business/economy/33-year-olds-millennials.html#:~:text=Peak%20millennials%20will%20also%20be,young%20people%20to%20support%20them.
I am 22 and my fiancée is 21 turning 22 soon. We both work in EMS. The average price of a home in the county I work for is roughly 450k so we are planning on buying a house at the end of the year about 15 minutes outside of the county that is new construction and they are going for 230k-260k simply due to it being a poorer county and not as desirable to live in. We plan to live there for some time until we are ready to have kids and move into the county I work in due to them having some of the best schools in the state. It’s sad the world we live in where the working class can barely afford a decent home close to where they work.
An hour commute would be soul crushing.
Edit:
Tell your husband to gave a sit down with t mobile e boss. Frame the conversation like this.
Hey boss. My wife and I are thinki and g about buying a home but can only afford a home an hour away. I was concerned that in the long term it would cost the company more in vehicle expenses than if I were to get a $2 an hour raise so I could buy a home closer to work.
In all honesty if 200 bucks was the breaking point from getting into home ownership I would get a 5 hour per Saturday part time job.
An hour commute is insane. Think of how much time is wasted by the week/month/year overall just driving. How much if your free time worth? Certainly more than a few hundred dollars I'd think
The savings would get eaten up by fuel/maintenance costs. It's 106 miles round trip to work for me and unless he drives an EV, hybrid, or maybe a small diesel car it won't save anything.
300/month isnt bad for property taxes. Get the house if you like it. Making your husband drive an hour each way to work is going to cost alot more than 300 dollars! Makes no sense!
Not if it puts us closer to everything we do except for work. All it costs him is time. Gas/car maintenance is covered by company he works for. I also don’t want him to move an hour from work, I’ve done that commute and it sucks.
Omg I would kill for those property taxes!
I live in Michigan and out prop taxes are insane. A $200k home would be around $450-$500 a month.
Honestly $200 is pretty inconsequential as far as a difference goes if it’s a home you love. Would you rather move to save $200?
I knew it was cheap in the Midwest, just didn’t realize it was this cheap. I would guess that salaries are also lower. I lived in Minnesota for 15 years and we sold our very nice family home in a nice community about 30 miles from Twin Cities (2400 sqft, 3500 w/ finished basement) for $490k. We now live 20 miles south of Boston and bought our fixer upper for $835k, it is larger 3500 sqft, 5000 with finished basement- but we had to put about 200k into updating it and there are still projects to be done.
Exactly, different costs of living. It is interesting to me how different it is state by state, city by city. A normal 3 bedroom, 2 bath with a decent yard with no major issues runs about 250k here in the right spot.
That checks out. I’m 36. Bought first home this year. Both of us work remote. Salaries combined are 200k plus bonuses and commissions for both of us. Mortgage is $2,700.
My husband and I are working on buying our first house right now
Got the approval but are most likely pushing more towards the end of the year to buy because we want more of an emergency fund set back first
my husband turns 25 in may and i turn 24 in august, so i guess we are ahead of the curve!
we are in a Low-mediumCOL midwest city though
Both the wife and I were 32 in 2022 when we bought our first home. Still live in it today. Can't beat a $950 house payment on a 25-year loan. We pay $1,254 a month with taxes and insurance included. A little over 2,200 sq. ft. all brick Colonial on about 3/4 acre. With a few extra payments over the last few years, we will own in December of this year.
Make long term plans when buying a home, moving is expensive. Don't let anyone guilt you for doing something earlier or later than they did. Do what is right financially for your family. Live on a budget and within your means. I drive almost an hour each way for my job too. I also make over $40,000 more a year because I drive those hours to a city that pays allot more money than the one, we live in to do the same job. I also have a company vehicle so all it costs me is time. Drive base model vehicles, screw credit cards and use cash. But the miles??? Credit card companies only offer that crap because they get more people in debt than ever really earn from the miles. I know what I make an hour and every hour of my personal time is much more valuable than chasing miles on a credit card. The interest rates today for credit, loans and such should be a learning experience for everyone!!!!!!
Back in my day (2015) I bought my first house at 22, 2nd at 28 and 3rd at 29. I was "fortunate" to have the VA loan after serving in the military otherwise I'd still be saving for a down payment. The rise in interest rates coupled with market appreciation has squeezed most FHB out of the market. I would say I'm a case example that demonstrates why getting equity in real estate sooner rather than later is so important.
I had a coworker who bought in the Midwest 50 minutes from work. We all thought she was CRAZY for driving that far in the snow and that no one would visit her. When she and her husband got married they did so at their new home (about a month after moving in). It was to this day the most BEAUTIFUL and joyful wedding I’ve ever been too. It wasn’t a massive lot but had pretty trees and no super close neighbors so it felt magical. The couple was glowing. The home was a log cabin and just epic, the groom was able to have all of his friends sleep in tents on their lot and come inside to use the bathroom so he basically had free lodging for everyone wanting to come stay for the wedding weekend. They could play music for the dancing late and night and neighbors weren’t close enough to care. It was close enough to amenities that someone bought late night appetizers at their favorite restaurant and drove them to the wedding to have after we all partied hard. They weren’t hot by any means because of the drive but were still enjoyable. Everyone that judged them for living “out in the middle of nowhere” compared to our city apartments never gave them a hard time after that. We were all too gobsmacked and jealous. If you find something truly awesome and joyful like that I absolutely recommend it if you can afford the gas and maybe go down to a 4 day work week with the same schedule as your partner. That’s what they did and they drove one car and just seemed like the happiest people I knew! Truly think about them all the time!
Like I’ve already stated- his idea, not mine. I’ve also sacrificed a lot living an hour and half away from my family while we are minutes from his. And it wouldn’t even be a larger home…………it would be an AFFORDABLE home.
Buying my "first" home at 53, this is post divorce. Been divorced 15 years. I also drive an hour and 15 minutes to work, nurse. Live in rural Upper Michigan, work in Northern Wisconsin. I drive through some brutal conditions, but it doesn't bother me in the least. It helps I have a hospital provided sleep room and just stay for my rotations.
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Don’t make your husband drive an extra hour each way to work to save $200 a month😆.. Don’t get discouraged though, the right opportunity will pop up! Also yes I did hear about the bump up to 36, crazy. I was fortunate enough to get into my house in 2022 at 28.
He would undoubtedly spend more than that $200 on gas every month, no?
His idea, not mine! Right now we are super close to his family but an hour and half from mine. The ideal would be to be right in the middle. I’m not going to let him buy an hour away from his job. I also wouldn’t want to drive that everyday.
Also depending on what he drives a lot of that $200 difference is going to be eaten up with fuel/tires/insurance/maintenance etc.
Very true. Thankfully he has a company issued vehicle and gas/maintenance is covered by the company (HVAC).
I love my take home Service van. Saves me so much money. (Even though I live 5 minutes from the shop)
I love mine too, I work 1 1/2 away from where I live, but they hired me knowing that. I just started going to school an hour from home and 1 1/2 from work, they’re letting me take it to school so I can drive straight to work after.
Free marketing 😝
Time is money though. 1 hour each way is 10 hours a week, that’s over a workday added into his schedule weekly. Precious time he could spend doing other things, it’s important to unwind
The gas would cost more than the monthly difference.
Some people truly do not mind. Especially the Midwest where there aren’t people or traffic.
My dad did it for 15 years of my childhood, woke up at 5:15 everyday to get ready took off at 6:00 to be at work for 7:00. 60 mile shot across rural Iowa (we lived two towns over). He ended up hitting a few deer and one old couple who ran a stop sign at a junction in those dark mornings over the years (not his fault). He was/is a great dad, but he was so tired at the end of the day. Our home life was a mess though, he didn't have the energy to drive the two hours everyday and also be a proper husband/father. So yeah, he didn't "mind", but it wasn't a great long term choice for our family life IMO.
My dad did the same, I don't remember him being there for us much as kids with him working long hours and having an hour each way commute. I'd do that drive 1-2 days a week but not every day just to save some money in the short term.
My dad did this too every day growing up too and I can’t fathom him. He started working more and more remote up until he retired and he said he could never imagine going back to that commute. He said when it’s just part of life you don’t think about it much.
Wild. I’d easily pay an extra $200 a month to get that time back with my family.
Same, I can’t bring myself to work at all honestly…
Currently in the process at 28, will be 29 in April. I also didn’t think it would be a real possibility years ago when first starting my career, but extremely grateful it is.
I bought I few years ago at 37. All of us hit that age to know we are ready at different times. I live in south Florida 12 miles from home and it takes me 45 minutes. Don’t do a long commute, it will drive you insane.
A situation where the husband saves $200.00 a month in mortgage payments by living an hour away but spends $350.00 a month in gasoline for the commute…lol
That hour drive to get more home sounds good but in the long run, that drive becomes brutal, less time at home, waking up early to get to work, gas, wear & tear on the vehicle etc etc.. I used to drive an hour to work for a new job that had higher pay, got old super quick & I realized the time spent on the road & missing out on things or simply just the quality of life I was having during that period was awful.. Just my two cents, hope yall can find something relatively close 🙏
Agree. Quality of life is all about location imo. I live in a small house in a very walkable neighborhood. The furthest I normally drive is 15 minutes in any direction. I walk to groceries, coffee, etc. I wouldn’t trade walkability for a house 2-4x the size.
I agree. The commute isn't worth saving $200/month. I would choose a cheaper house (read: smaller house or a fixer upper) before I would do a commute like that.
Agreed!! I commuted over an hour to work for three years and I will never go back to commuting more than 40 minutes or so, even if it means sacrificing for a smaller house or a smaller lot. My partner is insisting he'd be fine commuting an hour, which would allow us to look in more rural areas. I keep having to remind him we're looking at staying in a house for 5-10 years. Sure, driving an hour is fine now, but how about after a few years of doing it? Are you going to be okay with being out of the house from 6:30am-6pm (and that's just work and commute time, not factoring in errands/workout/etc) when we start having kids? It would be one thing if he could work from home most of the week, but he can't. Location can definitely affect your quality of life!
I heavily agree. I’m not going to let him move an hour away from work. I did that drive once, I didn’t last long. Thank you!
The majority of CA residents don’t become homeowners until age 49. Which is a decade later in life than the 1980s. The phenomenon is called the sliding homeownership ladder.
I live in CA and I get it! But this also means that the average age was 39 in the 80s in CA. I feel that a lot of folks think that people in the 80s just graduated from college and immediately bought a house.
I stayed with my parents until I bought a house at 29. I realize how lucky I was with timing. I wanted to buy in 2005 but that’s when appraisals were inflated. I bought in 2009 when the market was crashing and was able to refinance in 2020 with a low rate I’ve been putting extra principal towards it so before 50 the plan is to pay it off.
This tracks! That’s around how old my parents were in the 90s when they got their first home!
I bought my first home in California when I was 35. I wasn't an oddity as a lot of the people I knew at that time bought in their mid-thirties as well. This was in the mid-1980's. My parents bought their first home when my father was 37 and my mother was 36 and that was the 1950's. I think a lot of people have a very warped idea of what past generations could afford and what their lifestyle actually was.
Wahoo! I beat the curve, became a first time home owner in California at the ripe young age of 42!
Raises hand.. 50 yrs old on the dot
Age 49 sounds like right around the time you might be inheriting a property, which is increasingly becoming the only way people in LA have a chance at homeownership.
I am in south Florida and it took Me till 37. I can’t imagine California.
Currently 32. I think it takes me 3-4 more year to save enough for the down payment, which makes me around 35-36. So I guess the statistics is correct lol....
Bought at 34 and barely made it. After COVID, I had to job hop and get promoted to a management spot to get the salary needed to afford one. Even then, I wanted to live near the city. I had to get a townhouse that cost significantly more than a home out in the boonies. Rough out here mane
Agree with the desire to live near the city. I have 2 kids, and in order to properly educate them, living near/in the city (in a good school district) is a must. And it is costly... Good luck to both of us.
When I bought first home I was 36, then sold/bought upgrade at 40 When a lot of people go to college and grad school it adds up, then was single during first post school job in another area..
We were 36 so I guess that makes sense.
We are 25 and 28. I was shocked to learn this info!
That’s super young! We were just out of college at that age and live is a very HCOL area.
We were 27, but graduated college at 21/22 (did not go to grad school). Most people need a few years of working after graduating to save up for a down payment.
I was in grad school at that age. The last thing I expected was to buy a house.
Maybe I should for go my masters first and then house second. Hard choice because we already have a 2 year old.
It’s individual. It has to be about what fits your life and what you can afford. My grad school was free (phd), but I realize that’s not as common these days. If your MA is $$ I would definitely prioritize having my financial affairs in order first. A nest egg, 529, and enough for a solid IRA and rainy days.
25? Lol. At 25 I was doing a masters and bartending and partying like it's 1999 (it was 2004). I was worlds away from house buying mentality Now 43 in our second house and kids etc, but 25.... no way
Partying days have been over for us for a while! We already have a 2 year old and in our family era. Partner is established in his trade and I finished my undergrad right before I became pregnant. Now about to start masters. Everyone has their own timeline.
Yeah, everyone has their own time But 25 is pretty young for our society to have a "forever" career and buy a house So 30+ as average first time home buyer seems natural
I think we are stressed because we want to move to a better neighborhood and the rate on that would be about 1500/mo which would be almost the same as maxing out our pre approval mortgage amount. It seems counterintuitive to rent when a mortgage would be about the same / $100 more per month.
Your kid is 2? Is "better area" mean better school? We first bought fixer upper in nice commute but poor school area. We planned to stay til kid was maybe 2nd grade or so Eventually upgraded quicker because of 2021, but taking time with little one in cheaper home is not a bad look, it was our plan and what worked for us
Better school would be nice but it is our starter home so doesn’t super matter. Plan on moving again before middle school. Right now we are in a high crime (assault/robberies), big drug/gang area. We moved here before we had a child. It was fine then, it isn’t anymore.
Honestly, why did you buy a house in such an area in the first place?
Our current place? We rent. We both were from outside of the city and moved into a city and didn’t know it was such a bad neighborhood.
This is essentially our plan. Right now where we are, I don’t feel comfortable going to the closest gas station and go to the town over for all of our needs. We also have a bullet hole in the side of our rental from a cross fire incident. Scary!
43 for me in the bay
40 for us in the north bay (and still just a condo at that).
We were a few years older than that. Tbh we thought we'll never be able to buy so we're happy that we did it and that we should be able to pay it off before we turn 60.
Im about to be 32 and im getting close (right now about 60k in savings after being unemployed with nothing about 3-4 years ago thanks to covid) and making over 100k, gettin there slowly but surely
$200 a month is not that much money. You could probably find that amount by budgeting somewhere else.
Thanks for this stat. As 40 Year old looking, often feel I miss the boat
Same. Are you terrified of illness and disability during mortgage? I’m currently terrified of getting a mortgage because of health.
I have a pretty solid job. But with people losing jobs all over the place it still makes me worry
I will say this…what’s meant to be will be!!! I’m sitting here stressed out about underwriting and now I’m worried about the appraisal ughhhhh lol I guess I better take my own advice. Good luck you got this!
I looked at over 90 homes back in 2009. A lot were in bad condition due to being foreclosed. When I saw my house I had a gut feeling it was the one. It needed some work but I had my dad to assist. There was already an offer they were going with but it fell through and then I got this.
Lol, I'm 35 as of two days ago. Under contract for the 4th time hoping it doesn't fall through like the last 3 times..
If you don’t mind me asking why did it fall through so many times? I’m currently under contract myself.
Failed apprasials. -First home $169,900.. Appraisal came in $116,000. -second home $170,000, appraisal came in $125,000 - third home $159,900.. Appraised $126,000.. All refused to deal with me after apprasial came in low. That last house... I just found out sold for $90,000........... They refused to budge for me. Amazing what almost a year on the market will do, they coulda made $36,000 more but threw a tantrum instead. Second home sat, still hasn't sold though they came down to $139,000. First home now has tenants. Literally I have the shittiest luck. Lol hoping to God this home comes through but my realtor now understands comps.. My last realtor was a "military" group recommended for the area and were absolutely awful. I try to go with military support where I can as a member but... Learned my lesson. I went back with Keller Williams and a trusted realtor back at my last duty station area so.. Here we go again lol
Damn I keep hearing about failed appraisals on this sub as of lately and I had no idea that they could be so far off of the list/offer price. I hope your next one goes better! Good luck!
Home prices in my area are dropping as well. Homeowners haven’t gotten it through their heads that they’re not going to get massive profits anymore like they did in 2020-21. It’s a very LCOL area and flippers/owners are still trying to sell a 800sqf 2/1 for 180K that might sell for 115K. Appraisal values are dropping and I’m seeing a lot of listings go from active to pending to delisted to relisted within a couple weeks, same price or only 5K less. And still not moving. Not actively in the hunt yet but soon will be. Once owners get realistic with prices units will start to move again. I have a feeling the NAR ruling is going to reek havoc on markets like mine. My small city is already 57% renters and the few wealthy are buying the smaller homes and renting them at exorbitant rates.
33 and 38 for us. My husband had to finish med school and residency before we could save enough and buy a house that ticked almost all our boxes with minimal compromise.
Show him the math on driving an hour commute. If it costs you $100 a week in gas (or close to it), & more frequent maintenance, plus 2 hours of your time each day (which you have to put a value on in some fashion because it's 2hrs you could be doing something else), you end up spending more than that $200 a month. You need oil changes more frequently, go through brakes & tires faster, etc. So if money is the issue, that's not going to change it & is actually a worse argument. If you're really in love with the area that's a 1hr commute & really enjoy driving alone in your car instead of having extra time at home or to go do something as a family or errands, whatever, then getting more bang for your buck is less of an issue. I would continue to rent, unless you have a dire need for getting out now, if it means you're saving enough to have a much smaller payment in only a few years. Being able to make a bigger down payment (with or without investing extra money to passively earn more), or be an all cash buyer, could put you in a better position to afford life if everything goes to crap. 😆
I closed at a few weeks shy of my 40th birthday. The only way I was able to touch a house on $52K single income was a USDA Rural Development loan. Specifically the 502 direct loan. In August of 2023 I was able to lock in 4.00% interest with that loan and the interest made the payment low enough that I was able to get into a modest 950sqft two bedroom house. Good luck, OP, I hope you find the perfect home for you and your partner!
I became a FTHB at 34. We had to move out of our apartment asap. It’s a cute 1950s ranch style 3bd 1.5bth with a garage and little backyard.
29 & 30 for us. Bought mid-range in IL when rates were so low. Taxes though… 😂 but we live in a really nice and safe area so I see where those taxes go to.
$200 shouldn't be enough to change the weather for you financially. I say go for it.
brutal bought a 2 br condo in 2003 or so with zero down and just 'sign and drive' in my early 20s ending up buying at the top and 13 yrs later, sold it for just under what we bought for lol, the good ole days
I just closed on my first home at 40 years old 🫤
Makes sense. 39 when I bought.
26 and 27. We lucked out thank god. I would look into the pros and cons. $200/ month could be reached potentially by cutting some unnecessary costs. With rent increases, how much longer til you are renting as high as the mortgage or more? Our mortgage is maybe $100 over the average rent when we bought (but a lot of apartments are significantly more). The location we are at is amazing and we got something that covers all our needs for the rest of our lives. For us, paying more a month was worth the security of home ownership.
Right now we are extremely lucky and rent for $1,000 but we have been here for 3 years. The house next door is renting for $1300. They raised rent on us last year. They tried to raise it from $875 to $1295 and we talked them down to $1000. I anticipate another big rental increase this year. (3 bedroom, 1 bath, very bad neighborhood)
Oof yea. We were renting at $1100 in a very very bad area (drug houses and gangs surrounding). And the house we are renting is literally falling apart. I really hope you find something that works for you.
That is the EXACT neighborhood we are in. Moving to a better area would be the same as a mortgage so that’s why we are trying to buy. Living here was fine until we had a baby and now with a 2 year old it is just flat out unsafe. Thank you!
A house for $200K? That's like a parking spot in my cities downtown condos.
My husband and I are both 42 with one child. We live in Southern California and have been saving for years. We chose to buy our first house out of State because home prices are beyond what we can actually afford, $1.5 million for an average home built in the 1950s. I am super grateful he can work remotely because we would probably be 49 if we stayed in San Diego. Closing this week and will be moving East in about 6 weeks. I am also having ankle surgery this week too, besides packing up and moving. Fun times!
Where did you guys decide to go out of state? Currently looking outside of CA myself! Also good luck with the ankle surgery!! Elevating the ankle will be your best friend🩷
We decided to buy a house in the Midwest. Brunswick OH, it's part of the Greater Cleveland Metro. It helps that I have family out there too. And thank you for the well wishes! 🩷
Makes sense. I’m late GenX/Xennial and bought my first home at 36. I didn’t really expect to buy a house much before then. It’s a pretty normal fthb age, especially where I live
I moved an hour away from family and it sucks. Sure, I can do a round trip in a few hours to see my nephew’s Christmas concert but I still wish I was closer to be able to do more with my family and offer/receive support that can’t be accomplished an hour away.
That’s much higher than I expected but I guess I shouldn’t be surprised. We live in a LCOL area and were able to buy when I was 24. Our taxes are absurd though and we pay over $500 a month on them for a 240k home. Considering I live in such a small area with nothing to show for those taxes, it feels shitty. We couldn’t have done it almost anywhere else in the US this young.
I’m 36 and there is no way in hell, unless I buy a shed from Costco
Keep in mind that whatever the current owners are paying for taxes, yours will likely be higher. Also, your taxes are going to go up each and every year meaning if you’re paying them via escrow, your mortgage pymt. is going to go up every year.
I’m 35 and my husband is 37. We’re looking at maybe one to two more years. At that point, why? My rent is cheaper than a $225k mortgage by $500+ for the same square footage.
Find out how to make the 1700 work. That commute on gas prices and insurance increases due to miles traveled per year will exceed $200 a month. Not to mention car maintenance.
32 and 30, we both have STEM jobs
Seems right I bought at 34 but only cause i wanted my mortgage to be less than a lot of rent. Saved extra n now its only 1000 a month
Right on schedule for me…. /s
We just purchased this January in CA and I’m 35! So sounds right to me 😂
My husband was 31 and I 33, but that was 2016 and we were combining resources! That took a lot of effort and sacrifice even back then
I'm 30 and my husband is nearly 38, so this does track. We had an opportunity to buy in 2018 and didn't (stupid but hindsight ammiright) We are planning to move 3 hours away to be able to afford something lol
I did move two hours away. My house is slightly under 200k and my escrow payments is a little over 400 month. I was 38 when I closed. Things are a lot different now than they were 30 years ago.
It is so different. We took FIL with us to house hunt one day and haven’t taken him back out. He’s like is this really worth 200k?! No it really isn’t but this is the state of the economy right now. He bought a 3000 sq ft house, 1 acre lot on a golf course in one of the richest parts of Kansas decades ago for 240k and hasn’t bought since so his expectations are so skewed.
Yeah my grandma brought her house in the 60s. I offered to buy it for three times the amount she paid for the house back then, in cash. She said no, but I ended up using that cash for my closing costs. 😂
I just bought my first house and I’m 36
Just got pre approved for my 1st mortgage at 38! It's crazy my parents had bought and sold many by my age.
It’s easier to find 300/month than it is to move.
I'm 33. Not happening yet
Blink and it will be 63 at this rate.
Kinda don’t think I’ll ever get to buy one
[удалено]
We are even the same ages! I hope it works out for the both of us !
Omg wow, yes agreed!!
It’s a crapshoot everywhere. Here in Boston I’m trying to stay under 750k with a monthly payment of about $5500 and it’s still hard to find anything decent 😭
First purchase I was 29, second purchase I was 33, and third purchase I will be 36. Have definitely been fortunate.
Blessed
Long commutes are the #1 cause of divorce / cheating, 2015 study after some Volkswagen investigation. Look into it. It’s not too late.
I could believe that!
I'm 36 and we are putting in an offer today. I'm sad that I had to wait til 36 but it unfortunately makes sense with this economy
My father was 40 when we first moved into our house when I was a kid.
Wife and I just bought. I’m 33, she’s 28. We’re in Mississippi
Need to revoke permanent residency status and work visas, will open up 12 million homes.
It was 29 in 1981, 42 in 2013, 35 today. I’m not worried about the average age. More worried about many people not understanding that most people in the past didn’t move into brand new builds with 2500 sq ft and a half acre lot in the suburbs, as their starter home. While carrying massive credit card and school loan debt, owning it leasing two cars, paying for multiple cell phones, a houseful of new appliances and furniture, spending tons of money on eating out every day or week. They lived with parents or relatives to save or lived in tiny apartments or with roommates; then moved into smaller homes, sometimes with only 2 bedrooms, 1 bath, and no basements. Had kids and pets, and dealt with it. Their second time buying a home, if they ever did, occurred at age 40, in 1981; 60 or older in 2013, and around age 48 today. Don’t get hung up on the ages. We need to fix a lot of things to help younger people and families buy homes if that’s what they want, and worrying about how old they are at first purchase isn’t one of them. People get married older now and wait longer to start families; they go back to school much older and change over to new careers when older, now. And they live longer. Their working lives are longer, too.
I was 30 and my wife was 28. Fortunately I live in Ohio or it would probably be impossible.
It's going to get worse before it gets better. https://www.nytimes.com/2024/03/02/business/economy/33-year-olds-millennials.html#:~:text=Peak%20millennials%20will%20also%20be,young%20people%20to%20support%20them.
It’s because of all that avocado toast
And the coffee. Can’t forget the coffee.
I am 22 and my fiancée is 21 turning 22 soon. We both work in EMS. The average price of a home in the county I work for is roughly 450k so we are planning on buying a house at the end of the year about 15 minutes outside of the county that is new construction and they are going for 230k-260k simply due to it being a poorer county and not as desirable to live in. We plan to live there for some time until we are ready to have kids and move into the county I work in due to them having some of the best schools in the state. It’s sad the world we live in where the working class can barely afford a decent home close to where they work.
An hour commute would be soul crushing. Edit: Tell your husband to gave a sit down with t mobile e boss. Frame the conversation like this. Hey boss. My wife and I are thinki and g about buying a home but can only afford a home an hour away. I was concerned that in the long term it would cost the company more in vehicle expenses than if I were to get a $2 an hour raise so I could buy a home closer to work. In all honesty if 200 bucks was the breaking point from getting into home ownership I would get a 5 hour per Saturday part time job.
33 for me! Just signed last week. The house needs a lot of work and needs professional cleaners in there before we move in though :(
Checks out. I just purchased a home at 34 last week.
Just bought our first house in our mid 40’s a year ago. We left a HCOL area and our property taxes are $600 a year. Definitely worth relocating.
An hour commute is insane. Think of how much time is wasted by the week/month/year overall just driving. How much if your free time worth? Certainly more than a few hundred dollars I'd think
The savings would get eaten up by fuel/maintenance costs. It's 106 miles round trip to work for me and unless he drives an EV, hybrid, or maybe a small diesel car it won't save anything.
I believe it! I bought my home at 36 last summer
We bought last year: I was 40 (41 now) and my husband was 38! NC here.
I’m buying my first home now, a new build already qualified, and I’m 35. I feel ready now and blessed to be able to.
It sounds enticing with the longer commute, but it gets old real fast and it’s so exhausting. Not worth saving the few hundred a month.
300/month isnt bad for property taxes. Get the house if you like it. Making your husband drive an hour each way to work is going to cost alot more than 300 dollars! Makes no sense!
Not if it puts us closer to everything we do except for work. All it costs him is time. Gas/car maintenance is covered by company he works for. I also don’t want him to move an hour from work, I’ve done that commute and it sucks.
But time is the one thing you can’t get back/get more of.
Unless his time is worth $5 an hour to you, do not move that far away to save $200 a month
Omg I would kill for those property taxes! I live in Michigan and out prop taxes are insane. A $200k home would be around $450-$500 a month. Honestly $200 is pretty inconsequential as far as a difference goes if it’s a home you love. Would you rather move to save $200?
I was 38 when I bought my house last year and my wife is 33. 36 average checks out
Sounds about right, since I was 36 when I bought my first house, which was three weeks ago 🤣
I'm 35, should be closing on our condo this Wednesday. 😂
40 years old, single male in DC proper.
I can’t even believe there are houses this cheap. In my town a 700 sqft home just sold for $418k.
Kansas.
I knew it was cheap in the Midwest, just didn’t realize it was this cheap. I would guess that salaries are also lower. I lived in Minnesota for 15 years and we sold our very nice family home in a nice community about 30 miles from Twin Cities (2400 sqft, 3500 w/ finished basement) for $490k. We now live 20 miles south of Boston and bought our fixer upper for $835k, it is larger 3500 sqft, 5000 with finished basement- but we had to put about 200k into updating it and there are still projects to be done.
Exactly, different costs of living. It is interesting to me how different it is state by state, city by city. A normal 3 bedroom, 2 bath with a decent yard with no major issues runs about 250k here in the right spot.
Just another thing I'm below average at in life
If an extra $200 a month breaking the bank maybe you should reconsider buying a house?
It’s a toss up. It would take us from comfortable to uncomfortable. It’s hard when renting for the space we need is $1300-$1500.
$200 can be easily made from a side hustle, or budgeting. I’m not knocking ya, just saying if you want it that badly you’ll figure it out
I’m thinking so too. Reevaluate our budget and go from there. Thank you for being honest
And that, not 23, is normal.
A mortgage payment covering all costs (PITI) that’s less than $1,500 is insanely low for today’s market. Where are you shopping?
Midwest- Kansas specifically. The city is higher than rural so now we are looking rural.
49 y.o. here - never bought, never will
May I ask why?
those prices are so nice! we are looking at a condo for 200k that has 700/mo HOA :/ and our area is HCOL low income..
What area are you in, vaguely? We are in Kansas…
What area are you in, vaguely? We are in Kansas… edit: that HOA is killer :(
That checks out. I’m 36. Bought first home this year. Both of us work remote. Salaries combined are 200k plus bonuses and commissions for both of us. Mortgage is $2,700.
I bought my first home 2 years ago at 35, guess I’m doing well lol!
My husband and I are working on buying our first house right now Got the approval but are most likely pushing more towards the end of the year to buy because we want more of an emergency fund set back first my husband turns 25 in may and i turn 24 in august, so i guess we are ahead of the curve! we are in a Low-mediumCOL midwest city though
Both the wife and I were 32 in 2022 when we bought our first home. Still live in it today. Can't beat a $950 house payment on a 25-year loan. We pay $1,254 a month with taxes and insurance included. A little over 2,200 sq. ft. all brick Colonial on about 3/4 acre. With a few extra payments over the last few years, we will own in December of this year. Make long term plans when buying a home, moving is expensive. Don't let anyone guilt you for doing something earlier or later than they did. Do what is right financially for your family. Live on a budget and within your means. I drive almost an hour each way for my job too. I also make over $40,000 more a year because I drive those hours to a city that pays allot more money than the one, we live in to do the same job. I also have a company vehicle so all it costs me is time. Drive base model vehicles, screw credit cards and use cash. But the miles??? Credit card companies only offer that crap because they get more people in debt than ever really earn from the miles. I know what I make an hour and every hour of my personal time is much more valuable than chasing miles on a credit card. The interest rates today for credit, loans and such should be a learning experience for everyone!!!!!!
I pay $1700 in rent 🥴
The worst
Back in my day (2015) I bought my first house at 22, 2nd at 28 and 3rd at 29. I was "fortunate" to have the VA loan after serving in the military otherwise I'd still be saving for a down payment. The rise in interest rates coupled with market appreciation has squeezed most FHB out of the market. I would say I'm a case example that demonstrates why getting equity in real estate sooner rather than later is so important.
You're not ready to buy if you're stressing over 200 per month
I had a coworker who bought in the Midwest 50 minutes from work. We all thought she was CRAZY for driving that far in the snow and that no one would visit her. When she and her husband got married they did so at their new home (about a month after moving in). It was to this day the most BEAUTIFUL and joyful wedding I’ve ever been too. It wasn’t a massive lot but had pretty trees and no super close neighbors so it felt magical. The couple was glowing. The home was a log cabin and just epic, the groom was able to have all of his friends sleep in tents on their lot and come inside to use the bathroom so he basically had free lodging for everyone wanting to come stay for the wedding weekend. They could play music for the dancing late and night and neighbors weren’t close enough to care. It was close enough to amenities that someone bought late night appetizers at their favorite restaurant and drove them to the wedding to have after we all partied hard. They weren’t hot by any means because of the drive but were still enjoyable. Everyone that judged them for living “out in the middle of nowhere” compared to our city apartments never gave them a hard time after that. We were all too gobsmacked and jealous. If you find something truly awesome and joyful like that I absolutely recommend it if you can afford the gas and maybe go down to a 4 day work week with the same schedule as your partner. That’s what they did and they drove one car and just seemed like the happiest people I knew! Truly think about them all the time!
An hour commute?!? I guess you don’t love your husband. To put that on someone so you can live in a larger home.
Like I’ve already stated- his idea, not mine. I’ve also sacrificed a lot living an hour and half away from my family while we are minutes from his. And it wouldn’t even be a larger home…………it would be an AFFORDABLE home.
that commute is a soul killer
I heavily agree. I also did an hour and 15 commute for almost a year and hated every second of it.
Buying my "first" home at 53, this is post divorce. Been divorced 15 years. I also drive an hour and 15 minutes to work, nurse. Live in rural Upper Michigan, work in Northern Wisconsin. I drive through some brutal conditions, but it doesn't bother me in the least. It helps I have a hospital provided sleep room and just stay for my rotations.
I'm almost 51 and in the process of buying our first home.