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I totally feel ya! Houses in the NYC area are an arm and a leg... how does anyone afford to buy around here!!
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My brother is in NYC and at the age where he wants to get something other than a 1 bedroom apartment for he and his wife since they are going to try to have a baby next year, and he said it's impossible to find a house that won't involve him selling his soul, etc!
Yah we're basically going to have to move to Brooklyn and/or the much dreaded suburbs... and even then, we're still going to rent and not buy.
Even if we could buy, they say you should plan to live in the same place for at least five years before you buy... and that's not really possible at this point in our lives (i.e. if and when kids enter the picture).
I am right there with you. My fiancee and I want a house sooo bad, but it's just not possible until I finish grad school and find a decent job. It does stink because we've got 4 friends who were recently married and have purchased houses and we're still "slumming" in a one bedroom apartment. I feel inadequate...I suppose I always thought when I was married I would be living in a house. I know one day we will have a house, but it is soooo hard to be patient!
Luckily, my fiance comes with a house (and a mortgage)! The bad part is, it is very small (800 sq feet). We love the location, but if we are going to have family, we will need to either add on to our current house or buy a bigger house. With me being unemployed and his job is kind of rocky right now, it doesn't look like we are going to be able to do either for awhile.
We really want to add on because we love where our house is right now. We are about a 2 minute walk from the lake we live on and we have a dock and his parents boat right there too. So I follow design/home renovation blogs and dream for now.
I refuse to leave the city, but I want a yard so bad that it hurts. Houses in the city though...not realistic for us for awhile. Oh well, what can you do?!
I have house envy too! Houses in the Chicago area are so expensive compared to places in the UP, where a lot of our friends live. We started looking but when we got engaged, we realized we couldn't afford a nice wedding and a house at the same time. Plus, we're pretty sure we don't want to live in Illinois much longer, so that whole buying a house thing wouldn't be in our best interest. It's hard though when a lot of your friends have houses.
im lucky, my hubby owned a few homes before we even met so when i hear of my coworkers and friends struggling i never envy their mcmansions for our 50yr old house
i do wonder about my siblings children and how they are ever going to get their foot into the (Sydney) market. thats why in our wills have various properties left to them but they cant get their hands on them legally until they are 26yrs old as i figured by that age they are more settled and hopefully thinking more long term for their futures.
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My parents are encouraging us to start thinking of whether we could take advantage of the first-time homebuyers tax credit. I assumed we were at least 3 more years away from thinking about a house, but we'll see.
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whats the first homer buyers credit for you guys??? down here you get a grant of $21K ($24K if youre building a new house)
i think it's $8,000 for the feds. They just suggested it last week and it's been an insane week at work, so I haven't even looked at it. I think we may meet with a realtor a week or two after we get back from our wedding and start finding out more.
We are ready to buy a house and are looking, we were really moved by the tax credit, but there are still house envy issues. We have friends who have already purchased homes, and we have an idea of how much they cost and it's way more than we'll be able to spend. And they are decorating so fast, and with things we'd never be able to afford, that quickly. We sometimes sit back and think "who are these people and where did they get the money!?" You just have to keep plugging along and realize that we are all moving at our own paces according to our own plans. But it soooo hard to contain the green eyed monster sometimes!
Here to! One of our good friends just bought a 3 bedroom 2 bath AWESOME townhouse, but it is in Palm Springs and we could never live there w/ out jobs. Mr Frenchie's sister and her BF are house shopping right now and their budget it over two times what ours is... it is NUTS!
we live near the beach in LA, so while the crappy economy means we can rent here, we could never buy here! So yes - i am right there with you with house envy!!
Don't even get me started on the SF market- ridiculous!!!! We're looking for a new place to RENT- and it's insane how much a one bedroom is going to cost us. More than my friends morgage for a three bedroom house! Ugg. Bummer, but such is life- we absolutely love it here.
I feel exactly the same way. We're in our 30's, but I quit my full-time job to go back to school to follow my passion to change careers. As a result, we're stuck in our current apartment for probably the next 2 years until I'm working full-time again. I feel totally envious of our friends who are not only 1st time homebuyers, but some of whom are already upgrading to bigger houses.
All of our other married friends have houses, so I DEFINITELY feel left behind. We have multiple problems -- for starters, we live in different states, and we ABSOLUTELY cannot afford to have a house in DC for me and a house in Philly for him... though I will say my house envy decreased when he moved away (now that I have the condo to myself, one bedroom seems spacious... and my envy has turned to "you actually get to LIVE with your husband" envy). But the second, bigger problem, for when I get to move up to Philly and we do start house hunting, is whether it makes more sense to put our money into savings for a future home, or use it to pay off his $250,000 of medical school debt. His loans are at a significantly higher interest rate percentage (8%) than our savings account gets (1.5%), so it seems like the smartest thing to do would be to pay off his debt... but that will take us 30 years, and I can't imagine not having a home until I am in my 50s!
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Oh yeah. A house is at least 3 years away for us, maybe 4. My best friend lives in a gorgeous home with wonderful, new appliances, so I go over there sometimes and, like, hug her washing machine. Now she's about to have a baby (yay!) so I tease her that I'm going to come over to live vicariously thru both her baby and her dishwasher. ;)
Anyway. One day, maybe.
Come to Michigan, you can get one for $20,000. For real! The only reason we have a house is because the housing marketing is TERRIBLE!
Also the first time home buyer credit is $8,000 here. But my friend who is a personal banker said that its only going to be until November of this year.
The first time home buyer tax credit is up December 1st and you have to be completely closed and have possession by the date. I am very familar with this because we just "lost" ours. We are building, or at least trying too, and with land permits, our bank screwing our loan up and so many more issues, we are not going to be dug and built in time to take possession and close on our perm loan by 12/1/09 deadline and we are upset. We have been dealing with this since April and should have been already dug and had foundation up a month ago. It has made me a little depressed and my DH actually is considering backing out, but we already have money invested and it scares me.
So while yes I do understand your envy, the 2 of us and our large, stinky dog have completely outgrown this miserable one bedroom apartment and I cant wait for my dream home, I almost fear we rushed into this. But that changes when ever I go to a BBQ or party at someones house or able to relax at his parents. Just ready for that next phase!
I am dyyyying for a house. We are in our 30s, ready to have kids, and were hoping to buy this year. However, we live on Maui (a teeny shacky house is $400K+)and have lots of student loan debt, and with the economy impacting out jobs, we will not be able to afford a home here for at least another year or two. (and that is REALLY optimistic!!) We did just move from our 500 sq ft. cottage into a larger place, which makes it feel less urgent to me to buy, but I just want a place that can be ours and where we can feel more settled. We're saving and saving, but it seems like it will be eons before we have enough for a real down payment. No help available from family, but I know that when we do eventually get a home, we will feel so happy and accomplished! Glad to know there are others in the same boat - sometimes I feel like such a financial failure because we don't have a house yet.
I have house envy and I actually own my own home!
I moved acrossed country to be with BF when he got a job offer. Now we are in an apartment on the East Bay of SF. I have no yard, no dog, no "good" furniture, loud thumping-music neighbors by a busy street. I miss my 3 bedroom, garage, furnished livingroom and kitchen. My deck that I can sit out and enjoy the sunset after I walk back from the ice cream shoppe at the end of the street.
hmmm to be back at my house :(....some day
I am so fortunate (and believe me, I count my blessings every day) to have a house on my family's ranch free of charge and free of utilities. I love my little house-- it's full of charm and my personality, but it's very old, small, and even though we can live here as long as we'd like, it's not ours.
I know once children enter the picture we will have outgrown it, and I'm scared we won't be able to buy a home. The market has gone down a lot now, but we both have sketchy credit... his because he's moving from Canada and I believe he will have to rebuild it, and me because... uh, lolol credit cards when I turned 18? I was very financially irresponsible for a while and I'm still trying to fix the damage that it caused.
Maybe we'll have our own home in 5 years? We'll see
I've been feeling house envy too! My fiance and I live in Brooklyn now and love it but we're so tired of paying (hefty) rent. I wish we could at least move into a condo after our wedding but I know it'll be a couple more years of saving before we get to that point.
I just discovered www.younghouselove.com the other day and it made me even MORE envious! The couple who writes that blog are young and have a beautiful house. Something to look forward to!
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I have major house envy. I think I feel like it is the next step and I have serious decorating envy. We rent great apartment (but no backyard). Also I have felt a little bad because my husband sold his house when we moved. Though I talked to him the other day and he said that he is no rush to own again. The stress, expense and difficulty he had selling the other house has made him appreciate renting.
Mr. K and I were planning on moving to DC after graduation, so we prepared ourselves to have house envy for quite a while! But the Army changed his station to Nashville so we are actually getting a house! It is really surreal!
while it's hard to not be jealous, you don't know their story...sometimes I'm jealous of people, but then I find out that they got their downpayment bc of a death in the family, OR they worked more hours during college and didn't take out the loans I did...not that you can make it 'fair', but it just makes me realize everyone has their own set of circumstances....also, you don't know if all that buying and decorating is responsible...I know someone who had a nice house, had nicer furniture than me (tho I make more)...but they were just living on credit, and now it is biting them big time.
Like Hawaiilover, we have a house...well...a condo, but I really want our own house. A free standing house with no neighbors attached to us. I bought the condo before the boy and I were super serious and now it's way too small for us, heaven forbid we have kiddies any time soon. I've been saving for a down payment on our next house, but we probably won't be able to move for another 3+ years. :o(
I have a bit of house envy with a few of our friends ... but what my FI pointed out is that 2 out of the 3 that bought houses chose to buy a house instead of getting engaged. We know for a fact that one of the guys said to the girl "I can either buy you a ring or we can buy the house" and she said house ... so they have a house but are not planning their wedding yet ... I think I'm happier getting married and then getting the house. The only other thing that is hard is that we are in the Boston area ($$!!!) and all the other purchases have been in the south where the housing market is soo soo different.
i totally get this feeling. My friends and family members all own houses--and even my 20 year old cousin is talking about purchasing her first place soon after college! We've always lived in a large city, so prices are astronomical, and we're moving to a mid-sized city for graduate school--and I'm positive I don't want to live there forever, so it makes no sense to buy now. We get prodded all the time about what a good buyers' market it is--but it's just not the right time.
Holy crap eloping, I want to live where you live!!!! The credit here is only $8k.
I feel so much better about the whole house thing now that I see this thread, we want to buy a house in the town we currently live in and its still so freaking expensive - recession my ass, I don't see it here!!!
We're going to look at a house tonight, FI's work is starting to finally pick back up, so hopefully things will be in the cards for us cuz I refuse to rent and I dont' want to be living in FIL's house once we're married
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Is there anyone else out there living paycheck to paycheck who doesn't see a house in their near future? It's really hard not to get house envy when a lot of my friends are somehow able to afford houses already. I'm only 25 so I know I have time to save, but it's certainly something that is on my mind much more than babies (pfft, babies) now that we've already gotten married and I feel like it's the next "step." Plus I'm a geek when it comes to home decor and am itching to start some DIY projects!