It's mostly bad in the big cities ironically. Lots of people can work factory jobs and even two people working at a grocery store can buy a house together in a normal area suburb.
You can gross 2800-3200 a month and afford a 150-200k house if you don't have a lot of credit. 2800x12 = 33,600

+ 70ish mip
+120ish insurance
+130ish taxes
= 1,339.24

$27,253/12 = 2,271.08 - 1339.24 = 931.84
1339.24/27253 = 49.1% (this can qualify conventional front end)
If you have no liabilities its fine. But with 2 people you'd easily qualify on FHA. You'd for you house have around 2000-3000 a month to split between utilities, food and then w.e.
My utilities a month are probably like..... 75, 25, 120, 12.... 250 on a high end.
You have no savings as a single person but with two you can easily save or support one child maybe. But this is just working grocery. This is like 16 dollar an hour job potential in an rea that isn't big city buying a small house. You'd need to guarantee that you work 40 hours a week though. more obo is better.
BIGGEST PROBLEM. DO NOT FUCKING BUY A NEW CAR.
This post was edited by Ryvulet on Sep 24 2025 08:38pm