Everyone I talk to here in SD makes a minimum $20K/month. That’s what they pay to sell cellphones at the mall. If you don’t make $20K/month you are a loser. House prices will never go down because everyone here is making so much money. Better buy now or be priced out forever — unless of course you’re not making $20K/month. If that’s the case then you should become a mortgage broker, I hear they all make that much or more. Once everyone becomes a mortgage broker or sells cellphones at the mall the average house price here will be $10 million. As an aside, a house in Kazakhstan also costs $10 million but that is in Kizbeks. A cow costs $5 million Kizbeks, but of course you cannot live in a cow — although my brother Milosh tried to once.