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Thing that I realized about thr housing market

UMC people are basically maxing out what they can pay just l...
Concupiscible field regret
  11/16/25
They aren’t upper middle class. The price of building ...
At-the-ready Scarlet Pistol Heaven
  11/16/25
how cna this be? your fancey?
bateful cocky location
  11/16/25
I am rather mediocre. My brother is fancy. He’s has 4x...
At-the-ready Scarlet Pistol Heaven
  11/16/25
how is he so wealthy?
bateful cocky location
  11/16/25
My dad was a right and proper Soviet engineer and started a ...
At-the-ready Scarlet Pistol Heaven
  11/16/25
so what did your brother do to enable him take over conveyor...
bateful cocky location
  11/16/25
Engineering, champ.
comical self-centered associate gaming laptop
  11/16/25
so theres no off the shelf solutions for conveyor belts?
bateful cocky location
  11/16/25
We are your off the shelf solution my nigger. Every producti...
At-the-ready Scarlet Pistol Heaven
  11/16/25
Yer got raped by your bro who will got lion share of your in...
bateful cocky location
  11/16/25
My dad wasn’t a particularly great business man. He di...
At-the-ready Scarlet Pistol Heaven
  11/16/25
you have a enemy at home for everything that could and shoud...
bateful cocky location
  11/16/25
$250k a year for starters is not upper middle class anymore....
At-the-ready Scarlet Pistol Heaven
  11/16/25
Agreed. So many “professionals” have fallen out ...
massive odious french chef hunting ground
  11/16/25
I'm going to beat you to death with a baseball bat on live t...
ebony lascivious boiling water brethren
  11/16/25
Why?
massive odious french chef hunting ground
  11/16/25
Where you wrote "includes my wife and I" it should...
Shaky flatulent generalized bond native
  11/16/25
...
know-it-all round eye
  11/16/25
this is actually what roman amphitheaters were for. to beat ...
Saffron thriller old irish cottage
  11/16/25
...
ebony lascivious boiling water brethren
  11/16/25
250k in a city like that is UMC. But maybe I'm wrong. Mayb...
Concupiscible field regret
  11/16/25
400k is two mid level accountants. It’s not UMC. Maybe...
At-the-ready Scarlet Pistol Heaven
  11/16/25
I know a combined $325,000 couple that bought a $850,000 hom...
Wine Greedy Church Personal Credit Line
  11/16/25
Exactly what I'm talking about.
Concupiscible field regret
  11/16/25
how are they struggling, that's ~$20k after tax income per m...
Excitant center codepig
  11/16/25
...
Shaky flatulent generalized bond native
  11/16/25
cause these benchods pay 5k a month for childcare or shitloa...
magenta site coffee pot
  11/16/25
...
Shaky flatulent generalized bond native
  11/16/25
17K/mo where they live. Three kids. Healthcare bills. Ta...
Wine Greedy Church Personal Credit Line
  11/16/25
Lol
Shaky flatulent generalized bond native
  11/16/25
what's she going to do to repay you?
Impressive hissy fit theatre
  11/16/25
Perhaps you can work out an arrangement
misanthropic carmine roast beef police squad
  11/16/25
She could use her body as collateral. You might put a lien o...
opaque property patrolman
  11/16/25
The data backs up OP’s claim. We’re at or near r...
umber step-uncle's house
  11/16/25
There is no way to build a 3500-4000 sq foot house that isn&...
At-the-ready Scarlet Pistol Heaven
  11/16/25
Fair point. But part of the reason why building products co...
Concupiscible field regret
  11/16/25
OP, the people who own that house could've bought it in the ...
comical self-centered associate gaming laptop
  11/16/25
I'll try to keep an eye on it. Not my hometown.
Concupiscible field regret
  11/16/25
Im gay
Arousing Sneaky Criminal
  11/16/25
Was just thinking this
Elite Parlour Candlestick Maker
  11/23/25
Update: it went under contract.
Concupiscible field regret
  11/23/25


Poast new message in this thread



Reply Favorite

Date: November 16th, 2025 7:14 AM
Author: Concupiscible field regret

UMC people are basically maxing out what they can pay just like MC people have for years.

Saw a house recently in a mid sized Southern city. Nice but not grand or luxurious, 4k square feet, 4 bedrooms, etc. It is for sale for $1.6 million. This is in a city that's a regional center of commerce but doesn't have some booming economy producing a bunch of high earners. Somewhere like Huntsville, AL or Little Rock, AR. Who the fuck is paying 1.6 mil for this house?

Basically, UMC people are shackling themselves to huge mortgages that take 40% of their income, the max that banks will lend, like MC people starting out and buying a shitbox. Payments might be 80-100k a year, and some couple making 250k will jump on the deal.

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435053)



Reply Favorite

Date: November 16th, 2025 7:25 AM
Author: At-the-ready Scarlet Pistol Heaven

They aren’t upper middle class. The price of building supplies is up 200+% since 2015. Labor cost is up 40% in 5 years and that’s assuming you can even find semiskilled labor. We stuccoed one of my mom’s Brooklyn properties recently and had to wait almost 2 months for the stucco guy to get around to showing up. They have a 2 month waitlist for stucco. The cheapest CHEAPEST above-builder grade interior door is now $750. An actual good interior door is $2k per door. Everyone is really just poor because the dollar is toilet paper and your brain just hasn’t adjusted to that fact. Building 2400sq feet to a decent spec in Brooklyn now (where my family actually does this on scale) is a $625-650k commitment just for the buildout. That dirt will cost you a million three to two million on top. 4k square feet built to a good spec middle of nowhere is still likely 800k of work plus whatever the land cost.

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435055)



Reply Favorite

Date: November 16th, 2025 7:31 AM
Author: bateful cocky location

how cna this be? your fancey?

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435058)



Reply Favorite

Date: November 16th, 2025 7:35 AM
Author: At-the-ready Scarlet Pistol Heaven

I am rather mediocre. My brother is fancy. He’s has 4x more money than me and has a house so big that he has an outdoor pool in Brooklyn.

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435059)



Reply Favorite

Date: November 16th, 2025 7:37 AM
Author: bateful cocky location

how is he so wealthy?

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435060)



Reply Favorite

Date: November 16th, 2025 7:44 AM
Author: At-the-ready Scarlet Pistol Heaven

My dad was a right and proper Soviet engineer and started a business designing and building assembly lines mostly for food services type businesses. He died and my brother took it over. If you have ever bought processed piece of shit baked good in the last thirty years decent chance my family likely designed the conveyor belt system it came off of. He bought my mother out and she used her chunk of change to build a small real estate empire because she did not have the skill set to contribute anything to running my dad’s business but can manage rental properties just fine. My brother now does a little bit of everything and sold off a solid chunk of the engineering business to Chinese bros who have a bigger business in China and he now partly just plays with his cars all day and goes to the gym a lot and he’s only 39. I’m the fuckup who went to law school and can’t code or build anything.

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435072)



Reply Favorite

Date: November 16th, 2025 7:52 AM
Author: bateful cocky location

so what did your brother do to enable him take over conveyor belt business?

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435083)



Reply Favorite

Date: November 16th, 2025 8:04 AM
Author: comical self-centered associate gaming laptop

Engineering, champ.

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435093)



Reply Favorite

Date: November 16th, 2025 8:07 AM
Author: bateful cocky location

so theres no off the shelf solutions for conveyor belts?

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435098)



Reply Favorite

Date: November 16th, 2025 8:15 AM
Author: At-the-ready Scarlet Pistol Heaven

We are your off the shelf solution my nigger. Every production line is bespoke even if the core components are commodity items sourced from China.

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435105)



Reply Favorite

Date: November 16th, 2025 8:16 AM
Author: bateful cocky location

Yer got raped by your bro who will got lion share of your inheritance and u defend him by insult me? Faggot

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435107)



Reply Favorite

Date: November 16th, 2025 8:22 AM
Author: At-the-ready Scarlet Pistol Heaven

My dad wasn’t a particularly great business man. He did well but my brother grew shit 10x. He deserves what he has. And it’s my fault I wasn’t part of the growth because I had no faith in him and thought the whole business was not scalable. I have no beef.

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435118)



Reply Favorite

Date: November 16th, 2025 8:24 AM
Author: bateful cocky location

you have a enemy at home for everything that could and shoudl be yours and your fighting with me?

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435124)



Reply Favorite

Date: November 16th, 2025 7:29 AM
Author: At-the-ready Scarlet Pistol Heaven

$250k a year for starters is not upper middle class anymore. It’s middle middle class. Guys doing day labor make $90k a year in cash ($350 a day is the going rate). A $250k household income is a husband in the trades and a wife doing occupational therapy or something gay like that. It’s not upper middle anything. Upper middle is a doctor-lawyer couple making $800k. They can afford the $1.6 million.

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435057)



Reply Favorite

Date: November 16th, 2025 7:42 AM
Author: massive odious french chef hunting ground

Agreed. So many “professionals” have fallen out of UMC it is shocking. This includes my wife and I. Together we may have cracked $300k once in our lifetimes. We are just falling further and further behind.

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435069)



Reply Favorite

Date: November 16th, 2025 7:54 AM
Author: ebony lascivious boiling water brethren

I'm going to beat you to death with a baseball bat on live television

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435086)



Reply Favorite

Date: November 16th, 2025 8:29 AM
Author: massive odious french chef hunting ground

Why?

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435132)



Reply Favorite

Date: November 16th, 2025 8:38 AM
Author: Shaky flatulent generalized bond native

Where you wrote "includes my wife and I" it should be "includes my wife and me."

You lack cognitive capacity to even figure out simple English grammar yet you feel entitled to be UMC ljl

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435139)



Reply Favorite

Date: November 16th, 2025 8:42 AM
Author: know-it-all round eye



(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435146)



Reply Favorite

Date: November 16th, 2025 12:02 PM
Author: Saffron thriller old irish cottage

this is actually what roman amphitheaters were for. to beat to death local disco friess.

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435480)



Reply Favorite

Date: November 16th, 2025 12:38 PM
Author: ebony lascivious boiling water brethren



(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435560)



Reply Favorite

Date: November 16th, 2025 8:40 AM
Author: Concupiscible field regret

250k in a city like that is UMC. But maybe I'm wrong. Maybe the target buyer has a household income of 400k. They're still spending 25% of their income on housing. Those guardrails used to be for middle class people buying shitboxes in cookie cutter developments. UMC had the privilege of making enough that housing costs didn't dominate their lives. Now that's gone.

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435144)



Reply Favorite

Date: November 16th, 2025 8:47 AM
Author: At-the-ready Scarlet Pistol Heaven

400k is two mid level accountants. It’s not UMC. Maybe at $500k you can start calling it UMC.

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435154)



Reply Favorite

Date: November 16th, 2025 9:08 AM
Author: Wine Greedy Church Personal Credit Line

I know a combined $325,000 couple that bought a $850,000 home in the past couple years at a 7.5% rate. $850,000 is modest for a family home in our metro. They are struggling now. They owe $4,500/month. Haven't taken a leisure vacation in several years. One job loss or illness would make everything impossible. The wife -- the one who I am friends with -- asked me if she could borrow cash in a joking/not-joking way.

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435171)



Reply Favorite

Date: November 16th, 2025 9:28 AM
Author: Concupiscible field regret

Exactly what I'm talking about.

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435195)



Reply Favorite

Date: November 16th, 2025 9:37 AM
Author: Excitant center codepig

how are they struggling, that's ~$20k after tax income per month. multiple kids, maxing retirement accounts, big car payments, etc?

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435207)



Reply Favorite

Date: November 16th, 2025 9:50 AM
Author: Shaky flatulent generalized bond native



(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435226)



Reply Favorite

Date: November 16th, 2025 9:53 AM
Author: magenta site coffee pot

cause these benchods pay 5k a month for childcare or shitloads for private schools and then 4k for health premiums and then 10k at costco

see e.g. discofries

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435232)



Reply Favorite

Date: November 16th, 2025 10:02 AM
Author: Shaky flatulent generalized bond native



(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435249)



Reply Favorite

Date: November 16th, 2025 11:04 AM
Author: Wine Greedy Church Personal Credit Line

17K/mo where they live. Three kids. Healthcare bills. Taxes on the house.

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435376)



Reply Favorite

Date: November 16th, 2025 2:55 PM
Author: Shaky flatulent generalized bond native

Lol

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435891)



Reply Favorite

Date: November 16th, 2025 11:39 AM
Author: Impressive hissy fit theatre

what's she going to do to repay you?

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435425)



Reply Favorite

Date: November 16th, 2025 12:36 PM
Author: misanthropic carmine roast beef police squad

Perhaps you can work out an arrangement

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435556)



Reply Favorite

Date: November 16th, 2025 2:01 PM
Author: opaque property patrolman

She could use her body as collateral. You might put a lien of ejaculate deep inside her asshole?

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435803)



Reply Favorite

Date: November 16th, 2025 11:00 AM
Author: umber step-uncle's house

The data backs up OP’s claim. We’re at or near record highs for median price to median income ratio but the prevalence of no-money down mortgages is nowhere near where it was last time the ratio was this high. At the same time mortgage balances are record highs. So we are probably seeing lots of UMC’s and rich people putting everything into their house downpayment to make a traditional mortgage work.

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435369)



Reply Favorite

Date: November 16th, 2025 12:26 PM
Author: At-the-ready Scarlet Pistol Heaven

There is no way to build a 3500-4000 sq foot house that isn’t built with Section 8 grade fixtures without being into it to 750k all in. That means at a minimum the developer is going to ask 1.2 million for it and this assumes the guy paid like $100k-200k for the lot. Go up from there based on the price of the lot. The government devalued the currency and everyone is poor. That’s why housing costs what it costs.

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435531)



Reply Favorite

Date: November 16th, 2025 5:17 PM
Author: Concupiscible field regret

Fair point. But part of the reason why building products cost so much is that UMCmos are willing to pay so much for them.

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49436217)



Reply Favorite

Date: November 16th, 2025 1:13 PM
Author: comical self-centered associate gaming laptop

OP, the people who own that house could've bought it in the 2010s or 2020 for like 880k or something. It's also possible that it could sit on the market for a long, long time. Their payment could be under $4k easily, maybe under $3k if they had equity in a prior residence.

$880,000 at 2.5% (30-year, 0 down). Monthly payment: ≈ $3,477

$1,600,000 at 5.5% (30-year, 0 down). Monthly payment: ≈ $9,085

Update us if/when it Sells

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49435669)



Reply Favorite

Date: November 16th, 2025 5:18 PM
Author: Concupiscible field regret

I'll try to keep an eye on it. Not my hometown.

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49436219)



Reply Favorite

Date: November 16th, 2025 5:38 PM
Author: Arousing Sneaky Criminal

Im gay

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49436295)



Reply Favorite

Date: November 23rd, 2025 3:33 PM
Author: Elite Parlour Candlestick Maker

Was just thinking this

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49454342)



Reply Favorite

Date: November 23rd, 2025 3:28 PM
Author: Concupiscible field regret

Update: it went under contract.

(http://www.autoadmit.com/thread.php?thread_id=5798753&forum_id=2:#49454334)