From WaPo:
The cities where buying a house is most and least affordable as mortgage rates change
When mortgage rates dropped to historic lows in 2021, below 3 percent, Britt Vaughan met with a real estate agent and tried to buy a home in Altadena, California, where he and his wife have lived for more than a decade.
Vaughan, who works for a Los Angeles city agency, and his wife, a marriage and family therapist, had a budget and knew what they could afford. Month after month, he scrolled through real estate sites and fell into the gloomy habit of looking up the price of every house he passed with a “for sale” sign. But with student loans, and unexpected expenses from a car crash and wildfire damage eating into their savings, they never felt ready to buy. All the while, home prices and mortgage rates kept climbing.
“It felt like we had missed our window in that moment,” Vaughan said. He has nearly given up waiting for interest rates to come down as it would do little good in the Los Angeles-area market, where the median home price now stands at $972,837. “It just seems really unattainable at this point.”
Recent research from Zillow underscores Vaughan’s challenge: Los Angeles is among the six U.S. metro areas the housing site ranked “unaffordable” for would-be buyers earning the local median income, even if the mortgage came with zero interest. And while home prices in most of the country aren’t rising as rapidly as they were a few years ago — and are even falling in some places — the current U.S. median home price of $410,800 is nearly $100,000 higher than that of 2019.
…
Zillow analyzed the nation’s 50 most populous metro areas to calculate the mortgage rate each market would require to make homes affordable with a 20 percent down payment and a monthly bill below 30 percent of income. In 11 cities, the current 6.35 percent rate qualified as affordable for families earning the area’s median income. In Pittsburgh, for example, the median home price of $229,722 is affordable relative to the local median income of $77,050 — and would qualify as such even if the buyer’s mortgage rate went as high as 8.91 percent. Under current rates, several cities in the South (Louisville, Birmingham, Memphis) and the Midwest (Chicago, Cleveland, Detroit) are affordable by Zillow’s estimates.
But the opposite is true in many cities, especially coastal ones. By Zillow’s metric, mortgage rates would have to fall below 5 percent to make Virginia Beach, Charlotte, Philadelphia or D.C. affordable, and would theoretically have to drop below 1 percent in Boston or Seattle. Even if interest rates went to zero, New York, Miami and four California cities would be out of reach for those earning the local median income.
1st
YOU SUCK!
So you rail against capitalism, but meanwhile you have no issue working with outsourced teams that cost Americans their jobs. I guess your attitude is “oh that’s too bad. Sucks for you.” You are the embodiment of limousine liberal. White guilt much?
RentL0rd says:
September 19, 2025 at 9:38 pm
I have a team that reports from Pune. They are a happy bunch.. they take more vacations than I do, young, full of life and never complain. I pay them better than the body shops that keeps them happier. Last year I wanted a couple of them to attend a conference in Vegas – and provided them with supporting letters to visit, etc. Their business visa appointments had a 6months wait and defeated the whole purpose.
But to your comment – go work in Pune.. I have nothing against working in Pune. It’s about family and cultural connections.
I know I’m unloveable. You don’t have to tell me.
Message received loud and clear, loud and clear.
https://m.youtube.com/watch?v=hmqS2OagXZk
Chi – comments are gold on that Morrissey youtube..
“By “death threats”, he just means that they threatened to expose the fact that Johnny Marr was the real reason for his success, thus finally killing his career”
Chi – Here is a good one 1980s… Do you even remember what it’s like the be here?
https://www.instagram.com/reel/DNon1ZsOhuA/
Melania initially entered the U.S. in August 1996 on a B1/B2 tourist visa.
She then obtained an H-1B visa for skilled workers on October 18, 1996, which allowed her to work legally as a model.
In 2000, she applied for and received an EB-1 visa (often called the “Einstein visa”) for individuals with extraordinary ability, in which I assume those abilities wherein modeling? Who was her employer from 1996 to 2021?
Morrissey is a bit of a nut, but has a unique style as a singer. I’d expect some crazies at his shows. Was just listening to Strangeways yesterday with my newer Noire X closed back headphones, suitable for office work.
The typical buyer needs to earn $126,700 a year to afford the U.S. median home price, according to the Harvard center, which is a nearly 60 percent jump from the $79,300 income required in 2021. The affordability measure assumes a 20 percent down payment and that the monthly mortgage payment won’t exceed 30 percent of the buyer’s income.
A quick search around the Clifton vicinity doesn’t turn up a lot of houses at the median price. Here’s what I found so far:
https://www.trulia.com/home/44-george-st-bloomfield-nj-07003-38635381
The HIRE act
https://youtu.be/27-r8JjytQ4?si=IkvqvDdmpP07Zc_Y
Out route 80, nothing in the 400K range looks appetizing closer to NYC.
https://www.trulia.com/home/627-vail-rd-landing-nj-07850-449039866?mid=0#lil-mediaTab
Chi – Here is a good one 1980s…
A cool angle for AI videos – creating content like that, that nobody would have otherwise, and certainly have never had paid to produce.
Noire X closed back headphones
mmmmm very nice
For all you music heads on the blog – a photo of a project my brother worked on for Mike Gordon of Phish:
https://www.google.com/url?sa=t&source=web&rct=j&opi=89978449&url=https://www.facebook.com/100063490329665/posts/ande-delivering-the-newest-chasebuilt-prototype-of-mike-gordons-invention-the-ba/1339679288158403/&ved=2ahUKEwjx2sry0-ePAxUJjYkEHQ0RKuMQFnoECEEQAQ&usg=AOvVaw2WhZ4OD6OglPHMshPkVYYW
He did all of the custom electronics for the multiple pickups/piezos. Pretty cool stuff – pretty much never been done before.
grim,
Awesome. props to your brother.
It turns out the „man“ accused of planning to assassinate Brett Kavanaugh in 2020 is a tranny. Goes by the name of Sophie. It is very clear to see now that these individuals are dangerous and have a lot of mental health issues.
12:56 hahahahahaha hahahahahaha hahahahahaha
8:45, I have a bigger US workforce than offshore, fyi. The talent is complimentary. Over the years I would say 90% of my workforce has been US… his is actually an anamoly.. but in the niche space I am in, I was able to pull it off. The offshore workforce is relatively new – again to support my business growth.
You have no idea who I am.
1:47 Spartacus …?
RentL0rd says:
September 20, 2025 at 1:47 pm
8:45, I have a bigger US workforce than offshore, fyi. The talent is complimentary. Over the years I would say 90% of my workforce has been US… his is actually an anamoly.. but in the niche space I am in, I was able to pull it off. The offshore workforce is relatively new – again to support my business growth.
You have no idea who I am.
Yes we do the biggest ASSHOLE that has ever been on this blog. You win now go away!
It is very clear to see now that these individuals are dangerous and have a lot of mental health issues.
I’m so worried and scared about trannies. I cannot get out of bed this morning. There might be a tranny outside.
What if I go to the beach and there is a tranny? The grocery store? The car dealer?
All I see are trannies everywhere. We have to do something! Now!
Forget about the Epstein files and those pedos, we need to concentrate on trannies.
Dark Phoenix,
Glad I finally got you thinking about something other than the Epstein Files! You are likely safe from the violence unless you are a public figure with a differing opinion. Other than that, party on! 🍾🥨🍺
So glad I piss ppl off on the far right!
Chad.
Yeah, the trannies I worry about are those that are a pain to remove from the bellhousing when the throwout bearing gets noisy.
I always by my tranny supplies from Pearl Clutchers, they make the best pressure plates and clutch disks. A Pearl Clutcher pressure plate and and disk make an unbeatable combo, you can even hear them over an open header exhaust. Always great for some entertainment and fun no matter where you go.
Have a beer for me. No trannies for me today. It’s radiator day.
RentBore,
You likely piss off those on the Left and the middle as well.
Hot felon arrested by hot cop:
https://www.youtube.com/watch?v=ZVLMV7bV4Es
Chad, why is that not a surprise that’s what you think? As white immigrants to other countries you benefitted from immigration and when the hue of immigration changes you have a big problem with it. It’s called hypocrisy.
Now, if you excuse me I have a party to attend. You right wingers can shag each other off.
RentBore,
I never said that I identify as white. I‘m also not Left Wing or Right Wing. I‘m an Independent. You make a lot of assumptions.
Border Czar took a $50K bribe from undercover FBI agents? Nah, Trump shut down the investigation.
https://www.nytimes.com/2025/09/20/us/politics/tom-homan-fbi-trump.html
“ He was drawn into the F.B.I. case after a target of the investigation suggested in 2023, on his own initiative, that a $1 million payment to Mr. Homan could lead to lucrative federal contracts for border security work, according to people familiar with the matter.
Undercover agents posing as businessmen seeking contracts met with Mr. Homan in September 2024, these people said.
On the tape of that meeting, Mr. Homan seemed to agree to help the undercover agents secure contracts from the next administration if Mr. Trump won re-election, the people said.”
BREAKING NEWS!
Tom Homan was investigated for accepting $50,000 from undercover FBI agents. Trump’s DOJ shut it down.
Sept. 20, 2025, 3:45 PM EDT
By Carol Leonnig and Ken Dilanian
In an undercover operation last year, the FBI recorded Tom Homan, now the White House border czar, accepting $50,000 in cash after indicating he could help the agents — who were posing as business executives — win government contracts in a second Trump administration, according to multiple people familiar with the probe and internal documents reviewed by MSNBC.
The FBI and the Justice Department planned to wait to see whether Homan would deliver on his alleged promise once he became the nation’s top immigration official. But the case indefinitely stalled soon after Donald Trump became president again in January, according to six sources familiar with the matter. In recent weeks, Trump appointees officially closed the investigation, after FBI Director Kash Patel requested a status update on the case, two of the people said.
From a now deleted Truth Social post:
Pam: I have reviewed over 30 statements and posts saying that, essentially, “same old story as last time, all talk, no action. Nothing is being done. What about Comey, Adam “Shifty” Schiff, Leticia??? They’re all guilty as hell, but nothing is going to be done.” Then we almost put in a Democrat supported U.S. Attorney, in Virginia, with a really bad Republican past. A Woke RINO, who was never going to do his job. That’s why two of the worst Dem Senators PUSHED him so hard. He even lied to the media and said he quit, and that we had no case. No, I fired him, and there is a GREAT CASE, and many lawyers, and legal pundits, say so. Lindsey Halligan is a really good lawyer, and likes you, a lot. We can’t delay any longer, it’s killing our reputation and credibility. They impeached me twice, and indicted me (5 times!), OVER NOTHING. JUSTICE MUST BE SERVED, NOW!!! President DJT
Is that what they mean by lawfare?
Anyone see the new Superman movie?
Seemed a bit political to me.
Can’t movies just be movies.
On another note, thought Chief of War on Apple TV was great.
Momoa not the best actor, but the storyline is fresh and incredibly authentic to Hawaiian history and culture.
I can understand lots of people will be turned off by it, not because of the sheer volume of male ass cheek, but because it’s largely in Hawaiian language and thus subtitled.
Seemed a bit political to me.
Explain.
U.K., Canada, Australia recognize Palestine as a state, breaking with U.S.
British Prime Minister Keir Starmer officially recognized Palestine as a state, joining major U.S. allies Canada and Australia.
Interesting
Fast Eddie says:
September 21, 2025 at 9:26 am
Seemed a bit political to me.
Explain.
Watch it. I went with my kid.
Dog was kind of annoying tho.
Homan?
He was just collecting donations for the new White House Ballroom.
Dark:Ironic that the British are recognizing a Palestinian state, since they bear a large part of the responsibility for creating the problem in the first place.
3b says:
September 21, 2025 at 10:11 am
Dark:Ironic that the British are recognizing a Palestinian state, since they bear a large part of the responsibility for creating the problem in the first place.
Agreed.
But those in power today aren’t the same as when this happened.
You also can’t blame children for slavery in America, or for eliminating the American Indians.
But you can blame the predecessors
Hell hath no fury like a President scorned.
Damn he is just like an angry woman.
“We cant delay any longer, it’s killing our reputation and credibility,” Trump said in one message to Bondi. “They impeached me twice, and indicted me (5 times!), OVER NOTHING. JUSTICE MUST BE SERVED, NOW!!!”
Thanks Ronnie Reagan. You did this:
A shortage of qualified instructors for air traffic controllers — a problem even before the surge in enrollment — was forcing managers to plead with those on staff to pick up extra shifts, even though many are already putting in 60-hour weeks.
“If you’re feeling brave, caffeinated, and ready to be a legend, I’m looking for volunteers to work a double shift in the mini lab for RPO training on these days,” read one email viewed by The Post. “If you’re up for the challenge or just want to rack up some extra hours and bragging rights, let me know which date(s) you’d like to claim.”
The frantic outreach highlights the daunting challenge federal officials face as they work to ease the strain on U.S. air traffic controllers, whose ranks have a shortage of about 3,000 qualified professionals.
Dark: Oh I understand that well. Just pointing out the irony in it all.
mandatory retirement age for U.S. federal air traffic controllers is 56 years only a few exceptional ones are allowed to stay on until 61.
No reason why they could not bring back some older cogers as consultants to do training.
But you can stay till 100 in Congress even after you freeze on the screen like a Windows blue screen of death.
One would think that, as important as ATC is, congress would be even more important.
But no, it’s better to have nursing home residents rule the most powerful country on the planet, and on the Supreme court.
Juice Box says:
September 21, 2025 at 11:26 am
mandatory retirement age for U.S. federal air traffic controllers is 56 years only a few exceptional ones are allowed to stay on until 61.
No reason why they could not bring back some older cogers as consultants to do training.
Charlie Kirk was way smarter and more qualified than the turds he spent time defending.
Reparations are due considering that Slavery didn’t end until the 1960’s Civil Rights movement.
That’s why Jack and Bobby were assassinated. Malcolm X, MLK and Medgar Evers too.
Dark Phoenix says:
September 21, 2025 at 10:18 am
3b says:
September 21, 2025 at 10:11 am
Dark:Ironic that the British are recognizing a Palestinian state, since they bear a large part of the responsibility for creating the problem in the first place.
Agreed.
But those in power today aren’t the same as when this happened.
You also can’t blame children for slavery in America, or for eliminating the American Indians.
But you can blame the predecessors
VSG -get it right.
Jack was killed by a communist
Bobby was killed by a Palestinian
Maclom X was killed by a radical member of the Nation of Islam
MLK was killed by a desperate escaped convict for money
Evers was killed by the KKK
3b – Free speech has not been banned in the England and they will arrest anyone that says it has.
There is in fact freedom of Speech in the UK, however, they cannot guarantee you will be free after you speak.
Juice: It’s getting real ugly in England. Special police units now that are monitoring social media sites etc for what they deem hate speech. Meanwhile, inflation high, economy sucks, immigration an issue.
3b – Anxiety…casusing anxiety, real or “imagined” will get you arrested.
There were 12,000 arrests in 2023 in the UK for posting “offensive” online.
Watching the NASCAR race… usually, I’d be up in New Hampshire for this race but was in TN last weekend so, needed to chill. Finally decided to record the rest of the race and now watching the Kirk memorial. I see 70,000 plus are there, a full house. Another 100,000 tried to get in. There are 3,500 High School and College Turning Point Charters. Since Kirk’s death, 62,000 requests for charters have been submitted. There seems to be a revival of faith and love for America again. I know the other side has tried that hope for change and transformation thing but um… I think the leftists are finally starting to realize they’re stranded on a lonely island of denial and despair.
4:00 ….did you say something…?
No Gary, I believe it is you who is on the “Island”. Will some of those kids stay in their red communities and thrive? Perhaps. Many will however will try to get to “Blue” places and have to compete with people with actual functioning brains for work. They’ll wash out and never make it “here”.
The world needs ditch diggers too.
Cancelling Disney+ subscription is my contribution to Charlie KKK.
Maga artificially inflate prices for Indians on H1B scrambling to get back.
https://www.hindustantimes.com/world-news/us-news/4chan-users-raising-us-india-air-fares-amid-trumps-h-1b-rule-change-what-to-know-about-operation-clog-the-toilet-101758406806571.html
BBC reports about one guy who spent $8000 for a ticket.
https://www.bbc.com/news/articles/cn4wwwz2p1po
Sure, there’s no love for any Indians anywhere… but most Indian Americans were also stupid enough to vote for Trump.
Stale Juice, are you saying US has freedom of speech but not UK? Do you see any irony in your posts?
Batshit crazy cults members and families making Charlie Kirk’s death about themselves.
What of tedious bunch of fascists. My idea of hell is listening to any of them speak.
CNN and MSNBC acknowledging the revival. You can’t fill air time with repeating commercials, even if it’s on the house. Sooner or later, you need to report the news… and tell the truth. And they have no footage of burning and looting, that’s the liberals’ trademark. That, and creating manufactured crises.
Meanwhile FOX News polls should Voters regretting voting for Trump.
Gary quoting CNN and MSNC . You lost buddy!?? This is hilarious.
President Donald Trump told Fox News on Thursday that it has the “worst” polling after hearing about lackluster approval numbers.
In an interview with Fox News’ Martha MacCallum on “The Story,” Trump lashed out at the anchor for reporting on poor polling numbers on the economy. She cited a recent poll from Fox News, which showed that 52% of voters said the economy is worse under Trump’s administration.
MacCallum asked Trump when Americans are going to see better numbers on the economy before he blasted Fox News.