Skip to main content

Houses Aren’t For the Average American

 

Most Americans are priced out of owning a house.

The powers to be in their infinite wisdom and social engineering manipulations have deemed the vast majority of Americans as unworthy of owning a house. 

You can live in a rented apartment or house, yet forget about buying a home, even one that is nearly 100 years old. 

Here is the pecking order of living standards as an adult:

  • Live with parents
  • Homeless in bushes
  • Homeless in car
  • Homeless in RV
  • Live in RV in an RV park with utilities
  • Live in a house with others sharing a bathroom and kitchen
  • Live in a quint or quad and share kitchen and bathroom
  • Live in a quint or quad and share kitchen, have own bathroom
  • Live in a studio apartment with own bathroom and kitchen
  • Live in a one-bedroom apartment
  • Live in a two or three-bedroom apartment
  • Live in a rented house
  • Live in a house you are buying
  • Live in a house you own (except for property taxes and eminent domain laws)

These cover most of the levels of living arrangements, yet not all. There is also living in a mobile home with space rent and on your own property, etc. 

The pecking order for living arrangements makes the point that buying and owning a house you are living in is at the top. 

Considering the median sales price for a single-family home is around $370k in the U.S. and the median household income is just below $71k, we can see that for most Americans owning a home isn’t an option. 

Here is an article I wrote that details the stats in Oregon and specifically in the high-cost-of-living area of Bend, OR. 

The main point I want to make is unless a person has:

  • VA loan
  • Inheritance of money or a house
  • household income over $100k/year

Then houses aren’t for you. 


You can rent a house and spend over half of your income each month on nothing that increases your wealth or value, but you can’t afford to buy a house. 

The common 20% down for a mortgage is $74k. Most people without high-paying jobs nor inheritances can’t afford to save this amount of money within their 20s and 30s while trying to raise a family or even live a married life with no children.

I realize there are special programs for some buyers to get nothing down — there are exceptions, but this is pointing out the general rule of what we have going on in the U.S.

For instance, I have a VA loan, so I don’t have to pay anything down and get low interest. I’m not worried about myself, it is the average American I’m advocating for. 

The average American who works hard at an honest labor job or even has a college degree. 

The attitude of “I got mine, so who cares about everyone else,” is what I don’t like about most modern Americans. 


Keep in mind, living with your parents as an adult is the lowest of the pecking order. I truly value independence. 

If hard-working Americans can’t afford to buy and work toward owning a home without an inheritance, VA loan, or high-paying job (usually for the government), then who are the houses for?

The houses are not for you. They are for commercial real estate investors, rich people with inheritances, and people who make a lot of money usually working for the government. I realize there are exceptions (like the VA loans, etc.).

In general, using your money to invest in a home is not an option for most hard-working Americans. 

  • You can pay rent for an apartment or house to make other people rich 
  • You can live in an RV in an RV park
  • You can live in a mobile home in a mobile home park 
  • You can live at home with your parents
  • You can live in your car or on the streets

Yet, you can’t live in a house, even one that was built 50–100 years ago. 


I just wanted to point out the problem most Americans are facing. They might not even realize this problem until they reach their 40s or 50s and still don’t have the money for the down payment. 

Most Americans are conditioned to simply be grateful to not be homeless. I understand this, as I’ve been homeless myself. I’ve lived every step of the pecking order except living with my parents as an adult and owning my own home. As of now, my wife and I are paying toward a home. 

What about all the hard-working honest Americans who can’t afford the massive down payment or the inflated mortgage payment? Don’t they deserve a modest house to live in?

When will the Americans who are paying toward or own their homes start advocating for the millions of Americans who have been told in so many ways:

“You don’t deserve your own house.”

The richest country on earth, the best country in the world and in history?

Explain to me this conundrum and don’t blame it on capitalistic independence because we have a socialist government as much as Europe, yet without the benefits for the citizens. 


I would happily go back to before 1913 when the Federal Reserve (a private organization given power by the Federal government) wasn’t around and Big Government didn’t manipulate every facet of our lives. It isn’t about me asking for our government to help us, but rather for our government to get off our backs and stop ruining our lives.


Comments

Popular posts from this blog

HubPages vs. Vocal

Gaining Context I opened my account at Vocal around two years ago when I published my first article. It was a syndicated article from my golf blog, which surprisingly has done better than all other articles since. Around three months ago, I decided to give Vocal a real chance with a renewed effort and by becoming a Vocal Plus member. They enticed me with half off a year’s membership ($50 for a year, usually it is $99 annually or $10/month). Since this renewed effort, I have published nine articles; six were written originally at Vocal (four were for Vocal Challenges), and the other 3 were syndicated from elsewhere. The plan for Vocal was to publish my creative writing there originally, which meant I had to switch from HubPages where these were published originally before. The distracting ads and lackluster RPM helped make this decision, although I’ve been writing on HP for over a decade. After three months of “working” Vocal, I’ve realized it isn’t worth paying the $10/month. I’ll expl

Love Without Offense

Reflections on the seeming complexities of love. When reflecting on the seeming complexities of love, contrasting the nemesis of love seems appropriate. Offending or being offended is not something one can do with love. It challenges our love and tempts us with unforgiveness and bitterness. When offense rears its ugly head, love gets stuffed down into forgotten compartments within ourselves. When we get offended, emotions like anger, wrath, and hatred come forth, as we seek to protect and get vengeance for ourselves and loved ones. What is Love? It takes a special person to not get offended when others do. They have learned to overcome the temptation of anger by passing over the offense. Most of us get offended somewhat easily. When this happens we realize how conditional the love we give is. Are we only loving those who love us back? That seems to be the natural reaction for most people. What is love then? Is it simply a conditional behavior we extend to those who love us back? Is it

Opinion: Most communities in Oregon and the US are Republican, yet Democrats are in charge

2022 Oregon Governor Election Photo  Assuming election results are valid in Oregon, which does take a lot of faith these days after the questions about the 2020 US Presidential election arose, Democrat Tina Kotek won the Governor’s race in 2022 by a slim margin over Republican Christine Drazan. The interesting aspect of this win is how many of Oregon’s 36 counties voted Republican vs. Democrat. Looking at the political map, almost the entire state is red with only a few small counties in the northwest having the blue color. Specifically, there were 7 counties that voted Democrat and 29 that voted Republican. The difference is the 7 counties voting blue are the most populous counties, also the counties with the most residents coming from other states – much like Tina Kotek herself, a transplant from Pennsylvania . Tina only won the campaign to be Oregon’s 39th Governor by 66,727 votes over Christine Drazan. Said in another way, the Democrats pulled off another close election with mail-

Views are Like Customers to Writers

Writing online entails considering how many impressions, views, visitors/reads, comments, shares, and reactions each article gets. These digital assets symbolize the money made from each article. How many views did that article get — that poem, story, blog post, picture, art piece? The number will determine how much money the article made. While most writers appreciate even one single read, this doesn’t pay much. On the high end, this might bring .02 cents. Usually, around half a cent, or $5 RMP. Different Writing Platforms and Efforts At Medium views don’t turn into a specific amount of money, rather they are merely an indication of possible money — reads are more important at Medium, as they correlate closely with any money made. Each read at Medium this month made me around that .02 cent mark! The reads at Medium might not be from members, so may not make us money. Still, on average, both views and reads equal a certain estimated amount for each Medium writer. At Vocal, they make it