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Heyo! It’s me!
I figure that since every single house costs the same, I might as well just jump into a new-build for the same price and move on with my life.
I’m 100% certain that once I get really going with this process, I’ll find out that it’s still out of realistic reach range, but it’s fun to dream for a bit. 🥹
You’d be surprised, it depends entirely on where you’re willing to live.
I used to live in the Denver Metro Area in Colorado and houses were going for like $400k-650k in the area.
Ended up moving to a smaller town ex-urban/rural area since my work is remote anyway. Had my home built in 2021. 1050 sq/ft 2 bed 2 bath for $210k. And even better, I snuck in before rates climbed. With $6k in points at closing, I got it at 2.25%.
Even after doing a full solar and battery installation and insuring the place for an additional $50k to accommodate that and value increase, my mortgage (including insurance and tax escrow) only comes to $1215 a month. I’ve been paying extra on principle every month to reduce interest amortization, and hope to pay it off within the next decade most likely. Retirement won’t be easy, but actually seems like a possibility now.
And bonus, I’m near a ton of nature, get to enjoy deer chilling outside the house, and the night sky out here is beautiful.