re: Salary of $115,627 needed in order to qualify for a mortgage on a typical American home

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Yes in “flyover states”. Not everybody gets to live in a major city/coastal area and never have. The entitlement to think 90% of the country isn’t good enough for you because it doesn’t have a Starbucks or pickle all Court lol

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That doesn’t mean it’s significantly cheaper when you add up travel and commute for a job that is likely outside of that area. Especially with the cost of gas and automobiles today.

Shelbyville is about 40 minutes from downtown Louisville without traffic. That increases to over an hour in traffic on 64 (add about 15 more minutes if you don’t take 64).

This what you’re getting under $200k there. And it’s barely under.

With the median household income in Kentucky at around $55k, they’re likely not working jobs making enough to sustain a decent life (we’re not talking extravagant) just to have a decent home outside of the city.