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re: Homebuyer affordability slipped 5th straight month; Median Single Family Price: $446,400
Posted on 7/19/26 at 12:42 pm to ragincajun03
Posted on 7/19/26 at 12:42 pm to ragincajun03
I bought my first home in 2005, 0% down, at 23. It was $80K. When I moved to Florida in 2014 and saw "normal" houses going for $400K+ I thought, "There is NO WAY". Almost paid off on the Florida home. 
0
Posted on 7/19/26 at 12:42 pm to JohnnyKilroy
Moron dissing the military, but has a Space Force logo on his account.
Posted on 7/19/26 at 12:44 pm to Night Vision
How close are you to a sonic baw?
And what branch did you leech off of? I’m sensing chair force.
And what branch did you leech off of? I’m sensing chair force.
Posted on 7/19/26 at 12:44 pm to meansonny
quote:
Why are we talking about first time homebuyers buying coastal property with flood/wind insurance?
Are you under the impression that there is no reason for a first time home buyer to live in an area that is prone to floods and/or hurricanes? You know the term “gulf coast” doesn’t only pertain to beachfront properties right?
Posted on 7/19/26 at 12:45 pm to danman6336
quote:
Sick, all I have to do is years of military service to be able to afford a house in 2026?
I think many younger folks would benefit from this. Really gives a good appreciation of how good we have it here in America especially if you spend some time out of the country. Once done Va loans for home , education etc... much easier.
Posted on 7/19/26 at 12:45 pm to Gifman
Sure. That $110k house that is a 500k lot tear down after 30 years for another $2 m box McMansion.
Home prices are beyond out of control.
The middle class is being systematically eliminated on purpose.
The only solutions seem to be give the billionaires more or give the entire world free stuff courtesy of the US taxpayer.
Home prices are beyond out of control.
The middle class is being systematically eliminated on purpose.
The only solutions seem to be give the billionaires more or give the entire world free stuff courtesy of the US taxpayer.
Posted on 7/19/26 at 12:52 pm to FLObserver
quote:
I think many younger folks would benefit from this. Really gives a good appreciation of how good we have it here in America especially if you spend some time out of the country. Once done Va loans for home , education etc... much easier.
Yeah dude, we should have required military service like third world shitholes instead of just stopping running the economy into the ground
Posted on 7/19/26 at 12:53 pm to ragincajun03
quote:
Homebuyer affordability slipped 5th straight month; Median Single Family Price: $446,400
WHO COULD HAVE SEEN THIS COMING!
GEE THANKS BIDEN!!!!
Posted on 7/19/26 at 1:00 pm to Boss
quote:
Principal on 400k is 2550. Not sure where you are coming up with 6000 for homeowners. My house is valued at 1.2 million replacement cost and I pay 4300. My property taxes are 8700. Again you are making shite up.
Not sure where you are located but in Texas, insurance is about $500 per month on a $500k house due to wind, hail, tornados, extreme weather. It’s very likely youll need a new roof every 10-15 years which drives prices through the roof. Property taxes in DFW average 1.8-2.1% of home value so a $500k house will pay about $12k per year in property tax. You have no idea what you’re talking about
This post was edited on 7/19/26 at 1:03 pm
Posted on 7/19/26 at 1:07 pm to gaetti15
quote:
You dont have to live in a beach house to still have a discussion about flood/wind insurance, particularly in south Louisiana
So... my son wants to buy his first home.
And he's bitching to me that he can't afford the flood and wind/hurricane payments near the coast.
So I am supposed to feel sorry that he can't solve this "dilemma"?
Posted on 7/19/26 at 1:10 pm to ragincajun03
Just goes to show that the American Dream is dead unless you’re willing to take on huge debt to become a doctor, lawyer, or dentist.
Posted on 7/19/26 at 1:23 pm to JasonDBlaha
The reality is that you have to go out of high school with some idea of what you want to earn and how you’re going to get there. If you can align that with something you think you’ll enjoy then that’s a bonus.
Living your best dream and pursuing your passion sounds great - but it better be profitable enough to support you.
Living your best dream and pursuing your passion sounds great - but it better be profitable enough to support you.
Posted on 7/19/26 at 1:26 pm to ragincajun03
I don't get the craziness with the 'affordability' index of home prices, etc. You can either afford it or you can't. It is obvious that until all of the illegals go home (which they likely wont) wages will not adjust to a proper level. They will remain artifically low due to the illegal worker effect. You buy the home you can afford. If demand for homes falls too far, the prices of homes will lower naturally. The National Association of Relators are the primary pusher of the 'make houses cheaper or more affordable' campaigns. However, they are a very self serving organization looking out solely for their pocketbook. 
Posted on 7/19/26 at 1:28 pm to meansonny
quote:
So... my son wants to buy his first home.
And he's bitching to me that he can't afford the flood and wind/hurricane payments near the coast.
So I am supposed to feel sorry that he can't solve this "dilemma"?
So he moves away from family...which then we it comes to have kids...because he is away from family (and possibly her family as well)...then he has to pay child care.
You know what those costs look like nowadays?
Posted on 7/19/26 at 1:29 pm to gaetti15
You aren't helping your case.
There are problem makers.
And problem solvers.
If my son can't solve this "dilemma" on his own, then we all know what he is.
There are problem makers.
And problem solvers.
If my son can't solve this "dilemma" on his own, then we all know what he is.
Posted on 7/19/26 at 1:30 pm to Paul Allen
quote:
Younger people both conservative and liberal are finding it difficult for saving the 20% down payment.
There are financing plans out there that do not require 20% down. My son purchased his first home under a zero down Rural development loan.
Posted on 7/19/26 at 1:31 pm to meansonny
quote:
You aren't helping your case.
There are problem makers.
And problem solvers.
If my son can't solve this "dilemma" on his own, then we all know what he is.
Im not trying to build a case, im pointing out things that you are just shouldering off that others might take into consideration
Posted on 7/19/26 at 1:33 pm to Bayou Warrior 64
quote:
You buy the home you can afford.
This is what people in the thread are missing.
quote:
The National Association of Relators are the primary pusher of the 'make houses cheaper or more affordable' campaigns. However, they are a very self serving organization looking out solely for their pocketbook.
I won't question their motivations.
Realtors make commissions on the price of houses. Inflation is a built in pay increase.
I do question their tactics.
Most of their information is based on mail in surveys.
Think about that.
Who is responding to their mail in surveys and counting in their data?
20-30 year olds? Probably not. Their data is skewed by the surveying method.
Posted on 7/19/26 at 1:34 pm to gaetti15
quote:
shouldering off
I am shouldering off that people shouldn't look at homes that are outside their monthly budget?
Posted on 7/19/26 at 1:35 pm to Bayou Warrior 64
quote:
The National Association of Relators are the primary pusher of the 'make houses cheaper or more affordable' campaigns. However, they are a very self serving organization looking out solely for their pocketbook.
Realtors are 50% of the reason we are here today.
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