is it possible 2 afford a 3br/2ba house in cal? - page 3
calling all cali RNs: i am an rn in the beautiful gulf coast of florida. is it possible 2 b a home owner (atleast 3br/2bath/2car garage) in california w/ RN wages. i have been a nurse since... Read More
Mar 18, '07Quote from Nicky032605We've never gotten up to 124 in the summer. I think 110 is about the worst we've had in my area but, if people are worried about desert heat in the summer ... just make sure you buy a house with a pool.It is VERY hot in the summer. I believe last year it topped at 124 degrees. Although I would say that is only for June through September. This year we didn't get much rain. At first the heat is hard to bare, but after a few years, everywhere else feels cold to me and I can't wait for the summer. The winter is THE PERFECT WEATHER. Right now it's about 80 degrees and breezy.
That's what we did. Once you jump in the pool, the heat doesn't make much difference, at least to me. Of course everybody you know who doesn't have a pool starts coming over uninvited and that can be somewhat of a problem but ... I just make sure to keep my dogs in the front yard so I don't have unexpected visitors.
It is true that you get used to the heat. I'm the kind of person that freezes in air conditioning so ... it really hasn't bothered me that much. My husband, on the other hand, is always hot so ... he pretty much stays in the pool all summer.
Last edit by Sheri257 on Mar 18, '07
Mar 18, '07Quote from lizzNot sure where you live, but last year here in Palm Desert the heat got up to 122 - 124 degrees. Maybe you were out of town? Not something you forget, lol.We've never gotten up to 124 in the summer. I think 110 is about the worst we've had in my area but, if people are worried about desert heat in the summer ... just make sure you buy a house with a pool.
And yes, a pool is a MUST. Although in the middle of summer, it tends to feel more like a warm bath. At least we don't have humidity. That would be the end of me!
Mar 18, '07Quote from Nicky032605I'm in the High Desert close to the Cajon Pass so, we usually get enough marine layer to cool things down a bit. It can get down to the '80s even in summer. But, if there's no marine layer then it can get up to 110.Not sure where you live, but last year here in Palm Desert the heat got up to 122 - 124 degrees. Maybe you were out of town? Not something you forget, lol.
However, we're having a really warm spring so ... it may be really hot in the summer again this year, unless the marine layer kicks in. Of course with global warming ... it might not.
:typingLast edit by Sheri257 on Mar 18, '07
Mar 18, '07Last year, I sold my 3bd 2ba home in the SF Bay area, for $740k. Just an average, family home. The price of living in the Golden State.
Mar 18, '07Here is my plug for Northern California and the Bay Area. Many nurses live in surrounding areas and commute 30-45 minutes for the better wages near San Francisco. New grad day shift pay is near $40/ hour in a benefited job where I work. Nights is 20% more. After 25 years and top of the heap, I make nearly $60 on days. There are houses starting around $500 K in the 3/2 market. My husband is a realtor and works for Century 21. Anything is possible, but sticker shock is a real factor. If your credit is great, you can get in and make it work.
Mar 19, '07Quote from Nicky032605Ah ... that's true. In some desert areas, the pool water can get quite warm in summer. A friend of mine who lives closer to your area than I do has that same problem. I'm not sure why but our pool water stays cool all summer. The temp will rise but it never actually gets warm. Maybe it's because we have a lot of trees that shade the pool. Or, maybe it's because some desert areas are relatively cooler than others.And yes, a pool is a MUST. Although in the middle of summer, it tends to feel more like a warm bath. At least we don't have humidity. That would be the end of me!
We are in the High Desert at 3000-4000 elevation so, that is also probably why we're somewhat cooler than low desert areas in summer. On the other hand, we also get a lot colder during the winter.
:typingLast edit by Sheri257 on Mar 21, '07
Mar 21, '07I was listening to a news report just yesterday, and the housing market is getting really bad which, actually, is good news for buyers. Wells Fargo just had to lay off a bunch of people in their loan department because of it.
They're now predicting the highest foreclosure rates in history, especially in California. They think it may be just as bad, if not worse than the Great Depression. Because of all of the crazy loans where people borrowed much more than they could afford, plus adjustable rate loans that are going through the roof ...
They figure at least 20 percent of the homes that were bought in the last two years will foreclose in the next two years.
That's when people will be able to pick up good deals on homes, IMO. The only downside is that the banks are tightening up on their lending policies ... it will be very important to have a good down payment, good income and good credit. The days of easy home loans are gone.
Still ... I think Cali homes are going to get more affordable in the next couple of years.
:typingLast edit by Sheri257 on Mar 21, '07
Mar 21, '07WOW!!!
i'm overwhelmed (sp??) from the many responses to my thread. as you all know, i'm an rn in the beautiful florida gulf coast. i'm doing research on great places 2 live as an rn. i luv florida but our housing insurance is ridiculously going up in prices d/t the hurricanes of the past 3 years. the florida gulf coast was considered a "low cost of living area" but NOT if u r a homeowner. so far i am able 2 afford living in the florida gulf coast; however i am researching cali4nia as a potential place 2 live. my first research will b the golden state, and possibly houston, tx.... and possibly atlanta. i luv cali. i used 2 visit every other summer during the 90's when i was single and fell in love w/ your state.
i want 2 thank..... malern2b, lilsassyrn, ben123, the commuter, lizz, mecyteapot, halinja, sisukas, bonny619, randybayrn, mainecriticalcare, nicky032605, and turbohound 4 your valuable input and takes. please continue w/ updated responses 2 my thread regarding 3b3/2ba houses 4 rn and salaries 4 a nurse of 8-9 years (lpn '98/rb 'rn 2003). pm anytime!!!
Mar 21, '07Quote from warhawk320I moved away from California in late 2005, and my homeowner's insurance policy for a 2-story 3 bedroom, 2 bathroom house cost $350 for 1 year. Of course, this was in Bakersfield, which has a low risk of natural disasters such as earthquakes. I sold this particular house for $260,000 in 2005, and it was built in 2002, so it is possible that you could be living in a newer Southern California home for under the $300,000 mark.i luv florida but our housing insurance is ridiculously going up in prices d/t the hurricanes of the past 3 years.
Quote from warhawk320I moved to Dallas-Fort Worth, Texas about a year and a half ago. My brand-new 1,900 square foot house in a good school district cost $104,000. The only downsides to Texas homeownership are the expensive property taxes and homeowner's insurance, as we are located at the south end of tornado alley. But the wages and cost of utilities are very reasonable.my first research will b the golden state, and possibly houston, tx.... and possibly atlanta. i luv cali.
Mar 22, '07I have a 3 bedroom 2 bath condo in a great area of Irvine just sitting vacant. It has hardwood floors, close to all the best hospitals, Hoag is literally just down the street as well as the new Kaiser hospital. I am no realtor but I would buy it. The proerty values in that area are going up. It's a great neighborhood close to the pool and lake. Lemme know. I'm here in Nashville but I always wanted to rent it out. Maybe that would work for you for a short period of time before you really commit. It's a single story with a huge gated patio, great if you have pets. PM me and let me know.
It's clean, french doors, wood/gas fireplace with tons of storage and there are lot's of folks in the "industry" in the neighborhood.
Mar 28, '07Come to Napa, California. Northern california is more beautiful than southern. (in my opinion) My dad has moved from northern calif. to southern then back to northern. Just visiting southern california for 4 days the air was so dry I got a bloody nose. Really dry and rocky terrain there. Thats why the land is so expensive-you can't build on mountains of rock and all the flat land is used up.
In northern california we have the ocean, Reno/tahoe to go skiing-San Francisco just 45-60 minute commute from here. And of course the beautiful napa valley. House prices are dropping so its a buyers market out here. I think there is a web site called coldwell bankers.com. to check out the home prices. Queen of the Valley hospital hires travel nurses and I think they pay for their housing expenses. Maybe that would give you some time to save? Just an idea
Mar 29, '07Yeah ... prices are still dropping. Just in the last month, prices have dropped by about $10,000 in my neighborhood. There's lots of "reduced price" signs in the neighborhood also.
But, I'd still wait to buy. I don't think we're anywhere near the bottom yet. Prices will probably get a lot cheaper.
:typingLast edit by Sheri257 on Mar 29, '07