OP: $32K/yr (Low Cost of Living)- Budget101 Discussion List

As I read through the postings related to the $32K/yr budget, it got me thinking...where are the low cost of living areas? We are in the process of selling our house and would LOVE to find a place where there exists affordable housing; where the dollar can be really stretched/maximized.

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Results 1 to 13 of 13
  1. #1
    debbie_hoff
    Guest

    Default OP: $32K/yr (Low Cost of Living)


    As I read through the postings related to the $32K/yr budget, it got me

    thinking...where are the low cost of living areas? We are in the

    process of selling our house and would LOVE to find a place where there

    exists affordable housing; where the dollar can be really

    stretched/maximized. Post where you are, what size house (sq. ft/#

    bedrooms, etc), jobs/income, parks/nature area, etc. Maybe we could

    all see where the lower cost of living places are and maybe we could

    all benefit somehow from this info.



    Thanks SO much!









  2. #2
    lisa griffeth
    Guest

    Default OP: $32K/yr (Low Cost of Living)


    We are one hour north of Atlanta GA- 1700 sq foot 3 bdrm, 2ba on a 1 acre lot- walking distance to all three city schools, city library, city ball fields, tennis courts and grocery store- <15> year mortgage w/all taxs included: 998 mo HTH Lisa G.





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  3. #3
    Lois
    Guest

    Default OP: $32K/yr (Low Cost of Living)


    You will want to remember that lower cost of living areas also mean lower paying jobs. For example -A Walmart clerk in California will make much more than one in Missouri - where the COL is much lower.

    debbie_hoff <debbie_hoff@yahoo.com> wrote: As I read through the postings related to the $32K/yr budget, it got me
    thinking...where are the low cost of living areas? We are in the
    process of selling our house and would LOVE to find a place where there
    exists affordable housing; where the dollar can be
    really
    stretched/maximized. Post where you are, what size house (sq. ft/#
    bedrooms, etc), jobs/income, parks/nature area, etc. Maybe we could
    all see where the lower cost of living places are and maybe we could
    all benefit somehow from this info.

    Thanks SO much!






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  4. #4
    Herlean
    Guest

    Default OP: $32K/yr (Low Cost of Living)


    There is a calculator at www.money.com that lets you put in where you currently live vs. where you would like to move to, enter in your income and it will tell you how much more or less money it will take to live in another area of the country.

    We live in Ohio. We have a lower cost of living than either coast. One thing I have discovered when I have looked at other places to live. If the weather is "great" most of the year, esp. towards the warmer end of the spectrum, it costs more to live there. Think, California, Florida, anything on the ocean, "popular" places too. Not terribly warm year round, but New England (New York, New Jersey, Massachusetts, New Hampshire) is pretty pricey is many areas.

    If you can, catch a few episodes of HGTV's "What You Get For the Money" show. It also airs on Fine Living Network (if you have cable/satellite). It does a brief bit of the comparing for you.

    2,000 square feet
    near an urban area will cost you more usually than 2,000 in the country. If you are so far out, you can't get a gas line put in, or can't get pizza delivery, you can get property for a lower price. At least that is what we have found here in this area.

    We have a 40 year old house. The same size house brand spanking new costs about $35,000 - $75,000 or more than ours depending on the options you put in. There are houses available right now that have indoor swimming pools, bowling alleys, movie theater rooms, game rooms, "extra" rooms, every bedroom has a walk in closet with fancy organizers from California Closet or a similar company, kitchens Wolfgang Puck would dream of, but they will cost you. On the other hand, there are homes that are older in age, or have not been "upgraded" and they will cost you less, but you will have to do the upgrading projects yourself. We have a great house, but cosmetically, we are doing project after
    project. The floors need to be done. The wall-to-wall carpet will be out of 90% of our home when we are done. A good deal of the things will be done by us. The labor costs are really expensive.

    Herlean

    debbie_hoff <debbie_hoff@yahoo.com> wrote: As I read through the postings related to the $32K/yr budget, it got me
    thinking...where are the low cost of living areas? We are in the
    process of selling our house and would LOVE to find a place where there
    exists affordable housing; where the dollar can be really
    stretched/maximized. Post where you are, what size house (sq. ft/#
    bedrooms, etc), jobs/income, parks/nature area, etc. Maybe we could
    all see where the lower cost of living places are and maybe we could
    all benefit somehow from this info.

    Thanks SO
    much!



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  5. #5
    Amanda Graham
    Guest

    Default Re: OP: $32K/yr (Low Cost of Living)


    I live in central KY. Between myself and my fiancee,

    we bring home about 3100 per month. Our bills

    (mortgage, insurance, car pymt, elec, water, phone and

    internet, satellite tv, cell phone) are 1250 per

    month. the mortgage on our rental property is $315

    per month (incl. taxes and insurance), our renters pay

    $450 per month. This house is located in town,

    walking distance to everything. It is a 2 bedroom, 1

    bath, on .25 acre lot, house is 950 sq. ft.

    the house we live in is 1300 sq ft, 3 bedroom, 2

    bathroom, w/attached one car garage on 1.5 acres. It

    is about 6 miles from town. Jobs around here are

    pretty decent, mostly factory work (automotive) but it

    pays well.

    Amanda







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  6. #6
    armstrca
    Guest

    Default OP: $32K/yr (Low Cost of Living)


    <DIV dir="ltr" align="left"><SPAN class="464011415-03072007">I haven't seen much said about Texas... the cost of living is lower here (I am in a suburb of Houston) and the houses are cheaper, too (much cheaper then Calif or the east coast (NY, NJ... etc..)). But, it all depends on what neighborhood you are in, just like anywhere else. Some are more expensive, some less, some houses bigger, some smaller.







    From: Budget101_@yahoogroups.com [mailto:Budget101_@yahoogroups.com] On Behalf Of Herlean
    Sent: Sunday, July 01, 2007 7:26 PM
    To: Budget101_@yahoogroups.com
    Subject: Re: Budget101.com : OP: $32K/yr (Low Cost of Living)<SPAN class="464011415-03072007">
    <SPAN class="464011415-03072007">
    There is a calculator at www.money.com that lets you put in where you currently live vs. where you would like to move to, enter in your income and it will tell you how much more or less money it will take to live in another area of the country.



  7. #7
    TIMANDLOUANN@AOL.COM
    Guest

    Default Re: OP: $32K/yr (Low Cost of Living)



    Amanda where are you from? We are from
    Nicholasville!
    Lou Ann





    -----Original Message-----

    From: Amanda Graham <aleigh42718@yahoo.com>

    To: Budget101_@yahoogroups.com

    Sent: Tue, 3 Jul 2007 9:04 am

    Subject: Budget101.com : Re: OP: $32K/yr (Low Cost of Living)




    <div id="AOLMsgPart_2_4032b86a-f0c9-4ecd-85d1-9c804470c8c9">



    I live in central KY. Between myself and my fiancee,

    we bring home about 3100 per month. Our bills

    (mortgage, insurance, car pymt, elec, water, phone and

    internet, satellite tv, cell phone) are 1250 per

    month. the mortgage on our rental property is $315

    per month (incl. taxes and insurance), our renters pay

    $450 per month. This house is located in town,

    walking distance to everything. It is a 2 bedroom, 1

    bath, on .25 acre lot, house is 950 sq. ft.

    the house we live in is 1300 sq ft, 3 bedroom, 2

    bathroom, w/attached one car garage on 1.5 acres. It

    is about 6 miles from town. Jobs around here are

    pretty decent, mostly factory work (automotive) but it

    pays well.

    Amanda



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  8. #8
    koolkat31272
    Guest

    Default OP: $32K/yr (Low Cost of Living)


    I'm in San Antonio and my uncle from Sacramento just purchased a

    2500 sq ft home 4 bdrm, 3.5 bath, 2 car garage for $168,000. He

    says a home that size in Elk Grove (just outside of Sacramento would

    run close to $500,000. Their gas is currently $3.04/gal and we are

    $2.82. I work as a medical transcriptionist in pathology to be

    exact and my coworker in CA is now making $25/hr and I am making

    $18/hr here in Tx. So everything is relative. And it is the same

    in San Antonio as Houston, gas on one side of town can literally be

    $0.10/gal more than the other side. And you know auto insurance

    just like home owners insurance plays a part in the part of town you

    live in as well.



    Just to put this out there....We are renting a 1700 sq/ft 5 yr/old

    home, 4 bdrm, 1.5 car garage, 2.5 bath corner lot for $950.



    Catherine

    --- In Budget101_@yahoogroups.com, "armstrca" <carmstr1@...> wrote:

    >

    > I haven't seen much said about Texas... the cost of living is

    lower here

    > (I am in a suburb of Houston) and the houses are cheaper, too (much

    > cheaper then Calif or the east coast (NY, NJ... etc..)). But, it

    all

    > depends on what neighborhood you are in, just like anywhere

    else. Some

    > are more expensive, some less, some houses bigger, some smaller.

    >

    >

    > From: Budget101_@yahoogroups.com

    [mailto:Budget101_@yahoogroups.com] On

    > Behalf Of Herlean

    > Sent: Sunday, July 01, 2007 7:26 PM

    > To: Budget101_@yahoogroups.com

    > Subject: Re: Budget101.com : OP: $32K/yr (Low Cost of Living)

    > There is a calculator at www.money.com that lets you put in where

    you

    > currently live vs. where you would like to move to, enter in your

    income

    > and it will tell you how much more or less money it will take to

    live in

    > another area of the country.

    >










  9. #9
    MP
    Guest

    Default Re: OP: $32K/yr (Low Cost of Living)


    I know that I am late but I wanted to chime in on this.

    I live in southeastern Vermont.

    My home was purchased for 120,000
    I have a subsidized mortgage through USDA rural development.
    I pay $568.14 per month for mortgage, taxes and house insurance.
    Car payment $160.00 per month (2001 Dodge Stratus)
    Electricity: (stove, lights, fu rnace etc) $55 per month
    Heating fuel: i paid $400.00 for 4 cord of wood
    Oil: roughly $50.00 per month
    Land line telephone $30-$40 per month (I&#39;m shutting this off)
    Cell phone $60ish per month
    Gas for car: currently $2.78 per gallon, costs me about a tank a week traveling to and from work etc.
    Groceries:
    I buy raw milk for about $2.69 per half gallon
    fresh free range eggs $3.00 dozen
    grass fed humanely raised beef (one steak a week for about $8.00)
    other groceries for famiyl of 3, $65.00 per week.
    Trash removal: $8.00 every week
    minimal cable tv: $18.00 per month
    My salary (soon to be fortified with the salary of my significant other who will be joining us) is $30,640.00 per year. (14.84 per hour)

    I think that&#39;s all??? I also pay $415.00 per month towards debt(with a debt mgmt company, it&#39;ll be paid in full in 3.5 more years)

    Marie in Vermont



  10. #10
    Carrie
    Guest

    Default OP: $32K/yr (Low Cost of Living)


    I find it fascinating to see what things cost in other places. I live

    in a small city in Ontario, Canada. Here the minimum wage is more than

    $8 per hour (I'm not sure of the exact amount). A skilled tradesman

    makes between $15 and $25 per hour. A RN starts at around $24 per hour

    and the top wage is over $38. Our taxes on income here are much higher

    than in the Uniterd States. Costs for groceries are much higher. My

    sister is an RN in Texas and her wages are less than mine but her money

    goes a lot farther. She has a 2400 sq foot house with 4 bedrooms and 2

    1/2 baths and a swimming pool on a 1/2 acre lot. It is worth about

    $150,000. She lives southwest of Houston. My house is detached, 1680

    square feet with 4 bedrooms and 2 1/2 baths. The lot is 40X177 feet. It

    is worth about $260,000. The property taxes are $3200 per year. Here an

    1100 sq foot townhouse would cost $200,000.

    Carrie



    --- In Budget101_@yahoogroups.com, "debbie_hoff" <debbie_hoff@...>

    wrote:

    where are the low cost of living areas?








  11. #11
    aml4dbc
    Guest

    Default OP: $32K/yr (Low Cost of Living)


    I'm in CA (East Contra Costa county; greater East Bay). Our 2800 4

    bed + loft, 3 bath, 3 car garage home was $605K when we bought it in

    2004, during the first stage of building in our development (the

    model ended up selling for $740K less than a year later). Yesterday

    I paid $2.89 for gas (10-cent Safeway discount). I make $65,000 as

    a middle school teacher (12 years experience plus master's degree).

    While my salary would be dependent on the area in which we live, my

    husband's would remain steady (Costco pays the same no matter where

    the area is), but he only works part-time so that he is home during

    the day with the kids. We are blessed, both in our family

    situation, and our area in which we live. All of our family is

    here, or I would seriously consider moving to some of the areas

    spoken about on this thread.



    Sherri



    --- In Budget101_@yahoogroups.com, "koolkat31272" <koolkat31272@...>

    wrote:

    >

    > I'm in San Antonio and my uncle from Sacramento just purchased a

    > 2500 sq ft home 4 bdrm, 3.5 bath, 2 car garage for $168,000. He

    > says a home that size in Elk Grove (just outside of Sacramento

    would

    > run close to $500,000. Their gas is currently $3.04/gal and we

    are

    > $2.82. I work as a medical transcriptionist in pathology to be

    > exact and my coworker in CA is now making $25/hr and I am making

    > $18/hr here in Tx. So everything is relative. And it is the same

    > in San Antonio as Houston, gas on one side of town can literally

    be

    > $0.10/gal more than the other side. And you know auto insurance

    > just like home owners insurance plays a part in the part of town

    you

    > live in as well.

    >

    > Just to put this out there....We are renting a 1700 sq/ft 5 yr/old

    > home, 4 bdrm, 1.5 car garage, 2.5 bath corner lot for $950.

    >

    > Catherine

    > --- In Budget101_@yahoogroups.com, "armstrca" <carmstr1@> wrote:

    > >

    > > I haven't seen much said about Texas... the cost of living is

    > lower here

    > > (I am in a suburb of Houston) and the houses are cheaper, too

    (much

    > > cheaper then Calif or the east coast (NY, NJ... etc..)). But,

    it

    > all

    > > depends on what neighborhood you are in, just like anywhere

    > else. Some

    > > are more expensive, some less, some houses bigger, some smaller.

    > >

    > >

    > > From: Budget101_@yahoogroups.com

    > [mailto:Budget101_@yahoogroups.com] On

    > > Behalf Of Herlean

    > > Sent: Sunday, July 01, 2007 7:26 PM

    > > To: Budget101_@yahoogroups.com

    > > Subject: Re: Budget101.com : OP: $32K/yr (Low Cost of Living)

    > > There is a calculator at www.money.com that lets you put in

    where

    > you

    > > currently live vs. where you would like to move to, enter in

    your

    > income

    > > and it will tell you how much more or less money it will take to

    > live in

    > > another area of the country.

    > >

    >










  12. #12
    Patricia Smith
    Guest

    Default OP: $32K/yr (Low Cost of Living)



    I live in Central IL We have cheaper rent than most the state but it is going up.
    We live in a cheap apt. 2 bedroom maybe 1000 sq feet. $435 mo. w/ water and heat furnished , its a bargain.
    Electric runs me 40-50 mo. Rent here is $450-650 . I had my job 17 years transit driver, ~ 25, 000 year.
    Hubby is about $1 over the new min. wage. *$7.50 in IL. Are expenses are simple but we still seem to be always broke. ;0


    We are just coming back from losing 3 of our major employers Maytag, Butler & Gates Rubber. Made national news.
    As we speak we are moving one of our kids home from Charlotte NC they are lower income and can not make it there.
    It will be easier to be poor here with family around. LOL. Their rented 2 bedroom ,a little bigger than ours just raised their rent
    from $650 to $725. We have a little house here for them 2 bdrm $450 plus utilities.
    Gas is 2.81 today.. milk jumped awhile back but is coming back down..2.50
    Our county has high property taxes they tell me.
    Friend pays about 2000 yr on a house assessed at 125000 which is a simple 3 bdrm ranch w/ 1/3a lot and huge garage.
    we have several 350,000 houses for sale..They are newer & huge!! but my favorite Victorian is for sale at 185,000




    Take care,
    Patti Smith
    patsplace56@insightbb.com
    [quote]




  13. #13
    koolkat31272
    Guest

    Default OP: $32K/yr (Low Cost of Living)


    I completely understand the "family" factor. My best friend in

    Walnut Creek loves San Antonio, but a majority of her family lives in

    the Bay Area (She's one of 5 and her husband is one of 7), parents

    are still alive and her son and his cousins too...I would guess

    nearly 200 from immediate family to 2nd cousins...



    They were actually my only close to family I had there. My family

    was more in Southern California and my parents were here in San

    Antonio. I know all is relative...home prices, gas, groceries, etc.

    If I could've afforded it and established myself well enough, I would

    have definately stayed in the Bay Area. But I guess God is trying to

    direct me in another direction.



    So we are actually following the Dave Ramsey "snowball" plan combined

    with the "envelope plan" I picked up from Mvelopes.com. Fix our

    past "debt" mistakes and start growing our financial future. I know

    I'll be back to the Bay Area for vacation, but at least living here

    in Texas, I have an opportunity to "save" some money for it instead

    of using Credit!!!



    Enjoy that beautiful weather, sites and sounds for me Sherri!!!



    Catherine








 

 

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