re: At which salary level is an individual “doing well”?

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In the bay area, this would be an empty lot.

In most of the country, a 400k house is overkill, unless you have a lot of property.

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Ha, well certainly but if you are in the Bay area your salary is likely double other places.

I agree with you, but the standard new build neighborhood "starter" homes in most of the south are right around $400k give or take for the cost of living.