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.


Popular posts from this blog

Making Substack the Center of a Writing System

Focusing Distractions with Complexity With all of the options writers and content creators have now, finding the right one for each system sometimes takes experimentation. Flops and failures often come with such brimming efforts of zeal, yet the glimmer of hope remains in pictures of automated simplicity. In the beginning, things were simple; then came the expansion, the maintenance, building, creating, researching, and other such effort and time into what can only be called a writing system. Organizing this complex miasma of disparate platforms, the writer (insert content creator as needed) has become a blogger, marketer, promotor, maintenance tech, and organizing master. The actual writing is pushed to the side. Finding Balance Each writer organizes their system differently according to their needs and abilities. I’ve always admired someone who focuses on one platform and doesn’t get stretched too thin. We can get distracted by constantly expanding and trying new things. What’s neede

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

Why I Stopped Listening to Mainstream Worldly Music

Being the son of two musicians, music plays an important role in my life. I became a musician as well, although not to the level they were. Parents would play on the weekends at evening hotspots in Bend, OR in the early and mid-80s. They would play cover songs from the 70s and 80s, maybe an original here and there. They went on to have respectable careers in music until this day. Here is my mom’s music website: Maxie Kinney Music The Music Journey of a Country Gal from Oregon I started playing the guitar around 21 years old. I played the keyboard and piano when I was younger. Here is my music website in progress: Robbie Newport Music Original Christian Folk Music Storytime I remember a time when I was around 11 years old in a music shop (in the late 80s and early 90s there were mostly cassette tapes for sale) and I had the choice between Bachman Turner Overdrive (BTO) or New Kids on the Block — I chose BTO and have always been proud of that decision. I have good taste for genuine music

5 Topics Hotels Can Consistently Blog About

Starting a blog to complement a website and other digital marketing efforts is a great idea for hotels, yet what should their blogs be about? Consistently posting blogs about interesting topics sometimes isn't that easy. In an effort to help, let's discuss 5 topics hotels can consistently blog about to gain traction online. 1. Local Attractions and Destinations: cc from Local SEO is vitally important to gain attention from search engines, in order to stand out to prospective guests interested in staying in the hotel's local area. Blogging about local attractions gives hotels a large topic to draw upon when brainstorming blog ideas. Even if the hotel is in a relatively isolated location or smaller town, there's always something to write about when it comes to local attractions or destinations. Restaurants, bars, nightclubs, concert halls, sports stadiums, race tracks, wilderness attractions, parks, historical sites, and more can be highlighted in a ho