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My salary didn't change at all, but homes went up 82%. The money I saved for a down payment and my salary no longer are good enough for this home and many others. This ain't even a "good" home either. It was a 200k meh average ok home before. Now it's simply unaffordable
My lucky ass bought a house in late 2019. I'm happy I'm making money on it but this doesn't seem healthy
You're only making money if you downsize, move somewhere cheaper, or switch back to renting. If you move and all the other houses have gone up, then you just end up having to sink any gained equity into affording your new place. Rising prices really only help developers, realtors, and REIT's.
Housing price increases are actively harmful to those who want to upgrade, since it increases the incremental cost of upgrading.
Housing Taxes also increase.
In California the property tax can only increase a maximum of 2% per year, so at least there's that. (this law was put in place so that older people don't get priced out of their house due to house values going up a lot)
Exactly.
Right but you then control the appreciation on a much larger asset. In terms of pure net worth and net present value, trading up is a huge gain even if it doesn't generate more short term liquidity.
You can also rent out the smaller place and get both cash flow and NPV upgrade.
It is theur business to make money off it.
I am not sure how people living in house got convinced that they are now investors though
You're right. It's not healthy to profit so much from corporations greed.
Therefore, it's only right that you sell me your house for $1
I, too, would like a house for $1 please
Same here. And my stupid ass father in-law spread the rumor that we wanted to sell and we instantly had several offers. But we like it here.
We got in on on our house in early 2016 and the price of real estate in our area increased by 20% while we were in escrow.
Our house has more than doubled in price since then but if we had fallen out of escrow, we would not have been able to buy anything anywhere near our jobs/preferred city (and my partner and I have a combined income north of 150k/year).
Shit is crazy these days
With you there. Didn't realize how lucky we were, and honestly thought about waiting just one more year on multiple occasions. What's done is done, all I can do now is not feel guilty I got in, but rather just make the most of it. Pay off as quickly as I can, and vote to help others afford houses too.
Well you are set so luckily it doesn't affect you much in theory. If it crashes so be it as you probably aren't in a hurry to move.