Where You Can Find A Home For Under 200K In The US

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Finding an affordable home for under $200,000 in the United States can be challenging but not impossible. While prices vary significantly depending on location, several regions still exist with affordable housing options. Homebuyers can find properties within this price range in certain areas of the Midwest, South, and some parts of the Southwest. In this video, we explore Factors such as the local economy, job market, and population trends that can influence housing affordability. With careful research and assistance from a real estate professional, prospective homebuyers can identify areas where their budget aligns with the available housing options, making homeownership more attainable.
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Опубликовано:

26 фев 2024

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Комментарии : 166

@ArneAsada69 3 месяца назад

Tons of $200k homes but nowhere you want to live.

@jhileman 3 месяца назад

That's somewhat true, "you get what you pay for" but there are affordable places that are not a total mess. There are plenty of places in Ohio for example that are cheap and perfectly decent places. But it depends on your needs, if you can bring a job with you or live more rural I think you have a lot of choices. But if you need a hot job market/city then yes you probably can't find anything aside from the worst part of town.

@bikeyclown4669 3 месяца назад

You do have to be careful where that house is located. There's a reason why those homes were low priced.

@sandyarizona3471 3 месяца назад

there is but small nobody wants small homes in safe areas.

@Joce123 3 месяца назад

I love my $175,000 place that I just purchased in Tampa!

@jhileman 3 месяца назад

Whats "small" to you ? I was looking at and seeing two story 3 bedroom homes with basements, probably 1200sq ft. (plus large unfinished basements) I don't know what's on the market right now but that's what I was looking at. I only have one child so that was more than enough for us, but if your expectation is a 2000sq ft or more home then yeah I don't think under 200K is going to happen hardly anywhere. I guess it's all dependent on someones needs. What's a size that someone can be comfortable in ? I do get if you are working from home people tend to need an office now. I just think there is no one right or wrong answer. If people look, there are affordable and safe places out there. Finding a home is just going to depend on what you need to be happy. If you need a really large home or a lot of rooms, it's going to be hard. Really limited options. If you maybe don't have kids/don't need a huge home I do think there are a lot of choices out there. It's all just very situational. Depends on what you value too. Would you rather have a larger home but stuck renting or own but have to get rid of some things (that you probably hardly use anyways) and make due in a bit smaller but still functional home. Always trade offs. Depends on what's important to you.

@rosemarywilliams9969 3 месяца назад

😅 fun fact I got a 220k home in a place that I did not want to live and gave it my all but couldn't find a job that would pay me enough to cover the minimum home payment... so technically I can't live in the home unless it's paid off ...so I guess I can't really afford to live in the home🙆 expensive lesson to learn this year!

@silvermonk13 3 месяца назад

the majority of $200k homes are either in the middle of nowhere or almost condemned

@Joce123 3 месяца назад

Not at all true. Des Moines Iowa..$50,000 cute 2 bedroom...

@ordinaryhuman5645 3 месяца назад

>middle of nowhere I hope people keep being this misinformed about ~80% of the country. Keep packing yourselves on top of each other in the city like rats, lol.

@RecklessAndroid33 3 месяца назад

@@ordinaryhuman5645 if you need to drive an hour or more to find a decent paying job it’s the middle of nowhere. From a resident of Wyoming

@RED-cy7ig 3 месяца назад

Many of these homes are not in areas close to high employment locations.

@yvnerservius1913 3 месяца назад

My house is in brevard county and I would need to drive 1 hr for work, but I’m a contractor

@BlackDub21 3 месяца назад

Duh

@runningfromabear8354 3 месяца назад

Exactly, we were able to afford to buy land to build our house because there aren't any jobs here. Fine for us working from home (since years before covid as self employed). We used money from selling a city house. Looks like too many of us did it because land value jumped after we arrived and there's a bunch of people building here now. Prices have jumped and suddenly services are starting to show up that weren't here. But you can't gamble on that happening. My sister bought a house in a similar area and nothing happened and I can't imagine why we lucked out and she didn't.

@ThePandaSmuggler 3 месяца назад

Unless you're flushed with cash, 15-year mortgage seems dumb. What happens if you lose your higher paying job and have to take one that pays less? Or if your property tax/homeowner's insurance skyrockets? I'd rather take a 30-year and put extra towards principal each month when I can.

@suen5006 3 месяца назад

Year ago, we bought a house with a 100K loan, 7.5% interest, about $700 something payments. A year later interest rates dropped a couple points, and for only $150/month extra, we could get a 15-year mortgage, which we did. Best thing ever. It all depends on what you can afford, but I calculated we saved over 100K on the life of the loan.

@ordinaryhuman5645 3 месяца назад

Yup. I paid off my 15 year mortgage over 3.5 years and regret it. I'd be way wealthier if I made minimum payments and invested the rest. Especially looking at how low interest rates were back then.

@ClaudioArgentoDesigns 3 месяца назад

So the median price of a home has has more than doubled since 2019. That's well over 100%. I wonder which items have decrease in value so much to even out inflation to the around 8% they tell us.

@gvon6358 3 месяца назад

OMGosh ~ I love this question!!! Wish somebody had the magical answer 😂😂😂

@celticfiddle7605 3 месяца назад

I like your attitude Kristina towards the lower priced homes. Often they are very cute inside with a cared for feeling. They are often also in a more rural setting which is rather charming and sweet with a tree and patch of lawn. If you search diligently you can find a gem! They are out there!

@erictheblue7256 3 месяца назад

Do the 30 year mortgage, with the very important caveat that you can make extra payments, anytime, without penalty. This is what I have and it allows me to make the affordable 30 year monthly payments, yet make extra payments to principle at will. Dave Ramsey's 15 year mortgage rule forces a higher monthly payment without regard to unforeseen life events that can drain your income at anytime with no warning (major medical expense, expensive mandatory home repair, etc.)

@Mysticinvestigations 3 месяца назад

How about under $100K? A half acre of wooded land 2 hours drive from anything noteworthy. Then you build what I call "Garage House". A two-car garage where half is turned into your living area. More or less just a bed, kitchenette, bathroom, and computer/TV area. Naturally, well and septic would be needed. Pipe dream or possible?

@venturabushcraft5916 3 месяца назад

You got to get a usda building loan or land loan maybe. Then it's septic, power, water, concrete is expensive, etc. Then your loan is bases on the value after, but who wants to take that risk?

@patsfan8057 3 месяца назад

Berlin NH, about as far north as you can get in NH with the winter weather to prove it. You can literally buy TWO houses for 200K but the nearest jobs worth having are a 2+ hour commute and its a very run down isolated town with run down isolated town problems.

@felipeneto4203 3 месяца назад

*Making money is an action. Keeping money is a behavior, but "Growing money is wisdom" I just saw this quote🔥*

@noreenn6976 3 месяца назад

You weren't wrong Kristina! There are NOT tons of homes for sale in central FL for less than $200k, you'd even have a hard time finding many under $300k.

@dweebcentric 3 месяца назад

Central FL has so many of those great block homes out of the 50s and 60s that people bought for a song (by today’s standards) and now folks are trying to get $600K+ for. Ridiculous.

@BrentsTreehouse 3 месяца назад

A lot of those cheap Cali places can't be full time residences and are on leased land. The midwest has tons of homes for less than 200K. Buffalo-Niagara is nice in my opinion.

@UncleDavesKitchen 3 месяца назад

I wonder if the San Diego house is flooded away from the recent storms. I got a 30 year mortgage but paid it off in 19 years. Worked a second job and put every penny of that job exclusively into savings, investments and additional mortgage.

@MegaSuperEnrique 3 месяца назад

Watch out 'multifamily' here often means 1 portion of a side-by-side townhome aka 'twinhouse' and someone else owns the other half

@FLgardener67 3 месяца назад

If you take out a 30-year mortgage your payments are lower. Which gives you more cash on hand, with this extra money save up to make one extra payment per year on the principal. Your mortgage will be paid off in 17 years.

@bettemiddler7756 3 месяца назад

Ive found homes for 100k but the catch is they are in areas where jobs are almost gone. So its like yayy the house is cheap but where will you work?

@OkikaHawaii 3 месяца назад

Our home in Mountain Home Arkansas, the neighbors just sold for 167k for their cute home. Was pretty nice too.

@gvon6358 3 месяца назад

What's the consensus there about Saunders-Huckabee as governor (I sincere apologies if I miss spelled her name)? In my opinion, she seems to be doing great things for the state, but I'd be concerned once she left. Living there, what's your take? Thanks ~

@peterplus2001 3 месяца назад

Dave Ramsay is still living in the 1990s economy.

@lexicalgap5191 3 месяца назад

I like the option, and am doing, the 30 year deal but pay it off in 15. best of both worlds.

@patnelson4289 3 месяца назад

I boutght all my homes with a 30 year and made extra printable payments . typically paid them off in 12 to 16 years. first hose I bought for 40 thousand for a 640 square foot house with a double lot. you're right you have to be vigilant and move fast .

@realMacMadame 3 месяца назад

I live in CA. We were able to get into the market by putting down 10% and a 5-year ARM on a starter home. Once you are in, equity can get you into a place with 20% and a 30-year fixed mortgage. (Which I think should be the goal.) Our first home was $160,000 decades ago and we sold our last one for 1.52 million. And it all started with a downpayment of $12,000. Dave Ramsey is wrong. In today's market, the most important thing is to get that first house/townhouse/condo and sit on it long enough to get the equity to buy something better with better terms. The longer you wait, the higher prices get and the harder it is to buy.

@ordinaryhuman5645 3 месяца назад

That's assuming house prices increase steadily. How will prices look when boomers start exiting the world in large numbers and leaving their houses behind? Or if someone actually figures out how to make houses quickly and efficiently (e.g. if companies like Boxabl scale up by orders of magnitude)?

@TREYCEMONE 3 месяца назад

My real estate professor who has authored several books told our class when you to take a portion of your annual income tax return, and make a mortgage payment toward the principal, a 30yr mortgage will be paid off in roughly 15yrs, it just works out that way he said. He said do this as opposed to a 15yr mortgage.

@wlonsdale1 3 месяца назад

If you get that large of tax refund there are other issues.

@gvon6358 3 месяца назад

I think the op ment over the course of the 15 years

@TREYCEMONE 3 месяца назад

Aye? @@gvon6358

@Aventerra01 3 месяца назад

If only I wasn't dickin around in high school, I could've gotten affordable housing.

@calvinowen5946 3 месяца назад

First one is a small vacation town 1hr outside the "big city" of Redding (No Jobs), second is a 1hr+ morning commute to San Diego in the Mountains 20 mins drive from the closes grocery store (Long Commute Jobs), third is a summer vacation town that is a ghost town outside summer (No Jobs). Should really be a disclaimer that these are for retired people that don't mind not being near to almost anything and have to spend significant time driving. For non retired working people don't listen to this and get your hopes up unless you're expecting to work from home for your whole career.

@unusualfire 3 месяца назад

Could be great for someone who work from home. A close hospital would be a big plus.

@seanwilliams7655 3 месяца назад

Where I am in Chicago, a 200k home is either in the hood, needs significant work, or is in an okayish area, but has horrible travel times to downtown because it's not near any major expressways OR any decent public transit. Looking at you near SW burbs.

@dweebcentric 3 месяца назад

Laughing at when Kristina is mentioning what the insurance adjuster won’t cover in their offer and the caption read Insurance Jester. Jesters, indeed.

@user-jw2cf9ip2u 3 месяца назад

Not that some cannot afford it it’s just not worth the money to be tied down to something for 30 years paying 400,000 when is not worth 200,000👀

@keystonecomet9949 3 месяца назад

Because it is worth it to rent and never see that money again?

@Kurplode 3 месяца назад

You’re not exactly saving money on a 30 year mortgage every month. You’re agreeing to pay ~$331,616 in interest over that span of time or $147,678 over 15 years instead. Yes, it gives you cushion by lowering your monthly payment, but you’re just making the banks richer. What people should do is get out of debt and compare potential savings to that of the home appreciation rate to see if they can vastly outpace their savings vs appreciation. If they can, honestly, just wait and buy a house outright or save enough to put 50% down. If not, do the math and wait until it mathematically makes sense to buy.

@cocly211 3 месяца назад

Even at $150,000 below the median home price the average person (salary) would take down near 20 years to save 50%.

@Kurplode 3 месяца назад

@@cocly211 very true. In this case, they would need to do the math and see what their purchasing power can do vs renting.

@girlwiththecurlyfro2552 3 месяца назад

The house in central Florida for 185k is not in a great area. But it is 20 minutes from downtown Orlando .

@rogerherrera2835 3 месяца назад

Of course and know the reason..go and get one in Detroit or Compton

@theresedillon6717 3 месяца назад

@@rogerherrera2835Or Camden.

@ihadlunch8575 3 месяца назад

~10 miles outside Savannah Georgia. $180k-$230k 1500 sqft 3bd/2bath homes

@gvon6358 3 месяца назад

How are the taxes and insurances there?

@duhsunnyday8590 3 месяца назад

Which cities do u recommend?

@EquuZombie 3 месяца назад

@@duhsunnyday8590 Between Savannah/Pooler and Statesboro is almost all small towns but they're all nice (except Ellabell) and it's easy to get from one to the other. The upcoming Hyundai plant and its support industries will make all those areas build up a bit more. Still plenty of affordable housing if you can get to it before the landlords do.

@darrenbuttery3527 3 месяца назад

Why does your mug look like it has coffee in it? I thought you only drink tea? I purchased a 4 bedroom home in 2021 for $165K in a rural part of Illinois. I got a 2.625 interest rate and my mortgage was $1,120 a month all in. Almost three years later my mortgage went up to $1280 thanks to a small increase in taxes and a huge increase in home owners insurance. It's easy to find a home in the mid-west for under 200K, even today. The trick is being able to work remotely or somehow find a livable wage in driving distance of rural areas. I have to commute one hour from Sandwich IL to Elwood IL but it's well worth it. Where else an I going to get 4 BR house for $1280 a month?

@davidlampe4153 3 месяца назад

Thanks Kristina

@hymanbjorn6768 3 месяца назад

#1 Save more than 10% to build 20% down payment faster than 6 yrs👍🏾 #2 15 yr interest rate is lower than 30 yr rate 👍🏾 #3 After 30 yrs of payments a buyer will have made TWICE the purchase price of the home in payments! 👎🏾

@foreverealm 3 месяца назад

Thank you, Kristina, for your ongoing, amazing help to us all! Re: Florida… (I thought Central was more like Ocala… Dunnellon?)

@kathleencurtis4586 3 месяца назад

My house in TN $99000 and no bites

@AndreaMartinez-qu1be 3 месяца назад

Baton Rouge looks really nice and the homes are super cute!!

@patsfan8057 3 месяца назад

Kristina, that "cute" house you mentioned in Springfield MA? Have you BEEN to Springfield lately? It's like Brockton MA, western version..

@philbouchard8366 3 месяца назад

You dyed your hair blond! Your one of the few online who talk about manufactured & modular homes my wife & I are thinking about moving south into one of those because we are downsizing & want only one floor

@christinegary6642 3 месяца назад

I want your opinion on homes in South Carolina.

@waterlife5708 3 месяца назад

Most people can’t afford the down payment. For $200k that’s like $40k down payment.

@blueleafevirosvc.inc.2796 3 месяца назад

I agree things are changing and they're so program an ways on getting a house.

@cb5516 3 месяца назад

Dave is okay with 3 months emergency fund, and less than 20% down. He's pretty firm on the 15 year and no more than 25% of your take home pay.

@calvinowen5946 3 месяца назад

Only two scenarios work in those parameters today. 1. Your income is in the top 5% 300k+ or 2. You live in the middle of nowhere (like this video) and you like driving far and working from home.

@Angie0214 3 месяца назад

What program did you use to find 200k homes?

@fridder. 3 месяца назад

Zillow

@princessadora 3 месяца назад

zillow

@highvibrational2007 3 месяца назад

i LOVED them all... The problem is that all of my jobs are in Philly, NJ, and NY. But I never scour Zillow this way before.... I will do it now!

@f.vachon4171 3 месяца назад

Springfield Ma is dangerous lol People from that area consider that the ghetto

@antoninop.1411 3 месяца назад

You showed a home in Clearlake, CA. Clearlake is an area notorious for being on fire nearly every fire season. I've no idea how the various parts of Clearlake fare, year in year out, and if certain parts are a little more buffered than other areas there, but come fire season, Clearlake is always in the news at some point. It would be interesting to hear from someone who actually lives up there as to what their annual fire season life cycle is like and what insurance rates are.

@conniegoodlin6263 3 месяца назад

Scranton Pennsylvania and north east pa is wonderful

@siobahnhurley85 3 месяца назад

I live in Minnesota, and will be looking to move to Missouri at some point in the summer. Husband’s job is relocating to Kansas City.

@venturabushcraft5916 3 месяца назад

Great video. I agree with you. 200k marks the affordability level. Just like a 5% fixed interest and $1k/mo payments. And 10% is a 20k downpayment. 👍

@MegaSuperEnrique 3 месяца назад

Tons of decent, hood size homes under 200k here in St Cloud, MN, which is a decent population, and about 75 minutes from downtown Minneapolis.

@TechDeals 3 месяца назад

The $200K homes are in the middle of nowhere, how do you earn a living there? Also, did your monthly mortgage payments include taxes and insurance? If they don't, they don't count.

@amandamcadam114 3 месяца назад

Ive lived around NorCal for 25 years. I dont know much about San Diego. But the other areas are in red hot fire zones, its hard to get insurance for parts of those counties. Clearlake has an abandoned mercury mine at one end,, and large portion of the water in the lake belongs to the adjacent county to for crops so the water in the lake ets to low in summer and can sometimes smell bad. Both these area are in the middle of nowhere and it might take you an hour to reach any kind of store. So go and visit first.

@Joce123 3 месяца назад

I also believe that people can save more than 10% of their income if they are focusing on a down payment for a house.

@circe... 3 месяца назад

I live in San Diego. That property she showed is 40 -45 minutes from most jobs and seems unsafe and super dark at night, especially for young, single homeowners. But I guess if you really want a home, you have to sacrifice something so transportation, gas, and mileage... and safety, will be the ones to go.

@dlight9849 3 месяца назад

How about an episode of homes under $100,000 in decent areas.

@FlyinDogRecords 3 месяца назад

You have to let us know which insurance you go with!!!

@SimplyE86 Месяц назад

I was informed by a loan officer that it's better to do a 30-year fixed rate mortgage. So if you pay any extra money towards your mortgage, then the monthly mortgage payments your money is going towards your principal rather than interest.

@rgcwow 3 месяца назад

What is the Appl. that Kristina is using to show a map of house listings nationally? Thanks

@southernfriedkiwi7726 3 месяца назад

Zillow.

@rgcwow 3 месяца назад

@@southernfriedkiwi7726 Thank you.

@user-jw2cf9ip2u 3 месяца назад

Where 👀that’s the Problem 😊

@user-dl5hs2ez9p 3 месяца назад

Most homes in southern California at least, around or under $200k are or in the desert or falling apart or missing one of the utilities, semi off the grid. Remote areas off the grid or Foreclosure which you can't beat an investor or Chinese CCP.

@blessedbeauty5411 Месяц назад

I am from and I have been looking into homes in Searcy Arkansas. THERE are lots of beautiful homes for 200,000.

@AmmyWolfable 3 месяца назад

A lot of those places in Cali are in not here great area. Closer to top of California I would say you arent getting the California youd imagine. Morenoike Oregon, more red if that a factor you care about, a little more dead

@storyandasong 3 месяца назад

I would suggesting increasing yr deductible to 5 k to bring u back to current rates

@princessadora 3 месяца назад

clearlake california.

@claudialeme91 3 месяца назад

NCF is terrible..😢 find the home insurance coverage

@jerad4336 3 месяца назад

Oklahoma has some affordable houses.

@carnivalgods4573 3 месяца назад

Exactly right. Oklahoma, Louisiana, Mississippi are a few places you can buy an affordable place with land and low property taxes to retire to.

@gvon6358 3 месяца назад

I'd be too worried about tornado season.

@deborahdeist7860 3 месяца назад

A home in north Penna. 120,000

@marywagner9927 2 месяца назад

I think Ramsey is a nutcase when it comes to mortgages. We have always had 30 yr loans which we paid off early, with no penalty. Why? Because my dream home we had to leave cuz my husband lost his job. If we had a 15 yr loan we never could have paid that on my salary alone. Our philosophy was always get a 30, but commit to paying off early..And then - DO IT! The house we’re in now (where we will probably die) we paid off in 16 years. I was able to put almost all of my pay towards the mortgage . It cost nothing, but if you find yourself in a jam your payment is not a crazy amount. However, you MUST be disciplined to do it. And I know many (most) are not. It always worked for us.

@jim-ry3eq 3 месяца назад

The first house in Burney is pretty far away from any place offering jobs. Better like driving in the snow, too.

@kathleencurtis4586 3 месяца назад

I bought this house cash and hope to either purchase another house with almost no mortgage

@pimpnamedslickback7780 3 месяца назад

It's 200k for a reason. The people living there are struggling to pay that

@Slavynsk 3 месяца назад

Замечательный интересный ролик🧡 добра Вам мой друг 🧡👍🤝🙏💝🌹🌹🌹☕

@Angie0214 3 месяца назад

I need something near or in boston which is why i asked

@english_squared 3 месяца назад

❤❤❤😂😂😂😂 thank you for what you do!!!

@sew2prosper 3 месяца назад

I live in Winter Haven (Central) FL in bought my house at the hight of the chaos for 189k 3/2 1750 sqft house with .5 arces and Insurance is 1900

@desiv1170 3 месяца назад

Dave is funny. He's great to follow if you are in serious debt and need to get out... That said, he was a flipper using funky short term financing when the market crashed and he went bankrupt. As a result, he became paranoid over home ownership and went REALLY EXTREME on the other end. Not realistic nowadays if you actually want to buy a house (unless you are already well off). That said, on our first home we started with a 30 and then after a few years, went to a 15. That house is paid off (renting it out now) and the knowing that I have a paid off home is SO NICE!!! Knowing that, if things go really bad, I have a paid off home.... It is hard to put a value on that... As a result, our current home is on a 15 year also... However, I will say, technically if you have a decent 30 year interest rate, it's probably better to do a 30 and make sure you invest more as a result. Gives you more flexibility and the investing should be better for retirement... No, I didn't do that... I realize it is better on paper. But the piece of mind for a 15 for me... I just prefer that...

@Robert74450 2 месяца назад

Or way tiny or huge hoa or a mobile home with rented land

@Optical_Ollusion 3 месяца назад

You can find a home for less than $200k easy in the middle of nowhere!

@kennethanderson1685 3 месяца назад

❤❤

@SW-fm6up 3 месяца назад

That nice one bedroom house out in the country at such a low price, could be in Jacumba or boulevard California where alot of migrants are coming in and waiting to be processed now. I use to love that area and San Diego until they decided to ruin it with even more rediculous rules, regulations, high taxes and now a flood of migrants unfortunately!!

@andrewrothweiler5606 3 месяца назад

Sorry, but your Math isn't Math'n.

@evelynrogers7145 3 месяца назад

You are more helpful than he is .

@user-ov4wr5yu4r 3 месяца назад

It already has squatters?

@warrenlucier5796 3 месяца назад

Yeah, I can get you insurance for $800 a year and it absolutely covers nothing whatsoever!

@rcfarmer4450 3 месяца назад

Just because the laws aren't being enforced don't mean that the crimes aren't happening. My hood looks quiet lol

@momof4121 3 месяца назад

They have conventional mortgages with 0down and no PMI🎉

@kayots 27 дней назад

Have u been to springfield 💀

@captainKbobkeeshan 3 месяца назад

a concern with these 200K priced houses is the area they are located in. I was looking in a californina area and after some research I found it's know for a religious cult that rules the town. OR in New Mexico where some areas are noted for crime issues. Etc.

@kathleencurtis4586 3 месяца назад

Telford TN under $100000

@ChocolateThaiii 3 месяца назад

Ramsey speaks to people in a “certain class” if that makes sense.

@kevinmiddleton8721 Месяц назад

I agree, I actually like Dave Ramsey, but on some things I think he’s just a little bit unrealistic and out of touch with some things.

@slopedawg1 3 месяца назад

you know you havent lived in MA for a while when you suggest living in springfield

@Lifesurfer001-iq7nf 3 месяца назад

I think people are unrealistic about homes under $200k. You can’t expect the home to be in the best condition.

@shinobusensui9395 2 месяца назад

When it's 800-1000 sq ft in a semi rough to average area it better be decent if not a little more.

@f.vachon4171 3 месяца назад

I live in central Florida. They are listed very very high. None of them are selling they just sit. Offer less they will start selling for less

@TedK4307 3 месяца назад

Same here below Tampa, high price older block homes sit and then listing removed. I think many are 2nd homes with no urgency to sell.

@f.vachon4171 3 месяца назад

@@TedK4307 maybe I didn’t think of that! I bought my house for $179,000 in 2018, they say it’s worth just under $400,000. I know it wouldn’t sell for over $330,000 if even that much.

@thorsvenson3530 3 месяца назад

Mortage debt is the cheapest way to borrow money. Dave Ramsey's idea to pay down a mortgage is nonsensical, especially considering most people have a mortgage lower than 4%. (And going off that single piece of insane "advice" - the man should be avoided). If you are taking out a mortgage today at 6.7% then you should probably do a 30 year (or longer) since perhaps in the future you can refinance into a future lower rate.