this post was submitted on 03 Nov 2024
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Mildly Infuriating

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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

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[–] TheObviousSolution@lemm.ee 15 points 20 hours ago

This won't change as long as property ownership and property renting is unified. There's just to much of a business incentive from renting, even if it takes decades to make it back. Worst that can happen is that it can sell it back to a market that criminalizes homelessness instead of treating it or its causes.

[–] rekabis@lemmy.ca -4 points 8 hours ago (1 children)

$325k for a 3bdrm 2bath detached SFH in good condition?

Awww, that’s adorable. Even after taking the exchange rate into account, that would be like going back to 1998 in my corner of Canada. Right now, a house like that on a 0.21 Ac plot of land would be running you $1,300,000 CAD. In places like Vancouver? $4,800,000 CAD on average.

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[–] PriorityMotif@lemmy.world 49 points 1 day ago (1 children)

A lot of boomers are going to die in the next ten years or so. That is the biggest age demographic in the u.s. the population is going to shrink by a lot. That's why there's a push to make people have more kids, because otherwise workers and consumers have a lot more power.

[–] rauls4@lemm.ee 59 points 1 day ago (6 children)

Private equity is already gobbling up the houses. Boomers are cashing in to finance extravagant retirement. Those who are not, are leaving it to their children who will then sell to private equity groups.

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[–] PoTayToes@sh.itjust.works 22 points 1 day ago (3 children)

Tbh this is more than mildly infuriating...

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[–] Jackthelad@lemmy.world 101 points 1 day ago (2 children)

You just need to stop watching Netflix and buying avocado toast.

At least that's what old people say anyway.

[–] SARGE@startrek.website 20 points 1 day ago (1 children)

Assuming you spend $10 on avocado toast every day, as well as $75 on eating out for every meal, $20 for Starbucks, and ALSO assuming you have $150 worth of monthly subscriptions:

It will take you 25 years to save one million dollars. That's assuming you never get sick, never lose a job, never need to buy a car or have major repairs, or basically any kind of surprise expense or setback that could wipe out savings.

To be the richest person on earth, you would need to save that money every year for over 6 MILLION YEARS

[–] boonhet@lemm.ee 12 points 21 hours ago* (last edited 21 hours ago)

Not to devalue your point, but if you truly were spending (10 + 3*75 + 20)*30 + 150 per month (so a total of 7800 USD) and you invest it in an index fund getting back 5%, you'll have your million in 10 years. 8 years at 10% which is the long-term growth rate of DJIA and S&P 500.

You'll still never be the richest person in the world, but if you truly were burning away that much money, you could make decent dough just from investing it passively. In 30 years you'd have like 15 million, more than enough to retire.

Now the only real problem is that nearly nobody is actually burning that much cash and the "stop eating avocado toast" suggestions are indeed stupid af.

[–] scrubbles@poptalk.scrubbles.tech 36 points 1 day ago* (last edited 1 day ago) (2 children)

Can confirme. I stopped drinking Starbucks and now I own a 50 acre plot with a 6 bedroom house on it. If only I would have listened to their Facebook comments sooner, I could have afforded that private jet too. Edit: Apparently sarcasm is lost on a few. So for explicitness - /s

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[–] bitwaba@lemmy.world 9 points 21 hours ago

Didn't think I'd ever see Waleska on Lemmy... but, yeah. This is just the story all over North Georgia right? No one wanted to live in the mountains until all of the sudden you could work from anywhere. Now everyone earning city and suburb pay is happy to live an hour farther out than they were before.

[–] lud@lemm.ee 12 points 23 hours ago (1 children)

Keep in mind that 4 years ago was COVID times when everything was shit.

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[–] JoMiran@lemmy.ml 42 points 1 day ago* (last edited 1 day ago) (5 children)

A house in Austin

2018: $275,000
2022: $725,000

Those are actual numbers from East Austin. I believe the 2024 market rate is $625,000 but it hasn't changed hands again so I can't say for certain.

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[–] gravitas_deficiency@sh.itjust.works 43 points 1 day ago (3 children)

Is this one of the areas where corps are buying up a shitload of real estate?

[–] Godnroc@lemmy.world 145 points 1 day ago (1 children)

I believe it's on earth, yes.

[–] Lost_My_Mind@lemmy.world 27 points 1 day ago

My moon base is not gaining ANY land value....

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[–] Debs@lemmy.zip 17 points 1 day ago

Being able to buy a $200,000 house in the town I live in would change my life so much.

[–] Glifted@lemmy.world 34 points 1 day ago (7 children)

My lucky ass bought a house in late 2019. I'm happy I'm making money on it but this doesn't seem healthy

[–] Fermion@feddit.nl 31 points 1 day ago (4 children)

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.

[–] EndlessNightmare@reddthat.com 6 points 22 hours ago (1 children)

Housing price increases are actively harmful to those who want to upgrade, since it increases the incremental cost of upgrading.

[–] mesamunefire@lemmy.world 4 points 16 hours ago* (last edited 16 hours ago) (1 children)

Housing Taxes also increase.

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[–] Gerudo@lemm.ee 12 points 1 day ago

My janky duct tape together house I bought in 2010, that was built in '58 was 98k. In 12 years I sold it at 280k, with it still technically being out of code. My house was the cheapest sold in the neighborhood, some selling for 320k. It's insane.

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