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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
House down the st was 94k in 2015, it sold for 195500 last year.
Bought our cottage for 50k at the peak of the rural movement in 2020 after it had been on the market for months, just sold it while the second property market has completely crashed for 130k after putting 10k in it and cleaning the fuck out of the lot (the place was disgusting, I'm talking 90 industrial garbage bags of crap, mostly beer bottles, a couple tons of wood and concrete and so on)...
Sometimes you're just lucky and people don't want to do what's required to get what their property is worth!
What I'm hearing is that houses have the ability to be a great investment.
Work to get a house and then when you are old and ready to retire you sell and then have a great retirement.
You want to know why? Start at the bottom and look at the price of land only blocks in the region. More than likely: its the cause. The answer then becomes very simple.
Real talk, forget about a down payment. There are a bunch of different ways to get a 0 down mortgage with varying qualifiers so that chances you qualify for one of them is quite decent.
Even if not, there are still a bunch of other ways to get low down payment mortgages for ~3% down or less.
Toss out the old adage of "20% down or bust" and keep any money saved towards it for savings for all the other costs of home/closing
What income to loan ratio are you talking here?