[quote]20% down is 36K. I don’t think anyone with that kind of cash under their mattress would want to live here. To qualify for Free or Reduced Lunch, a family of four cannot make over $39,200.[/quote]

The family of four would not put 20% down, they would get a FHA loan with 3% down and a mortgage of 175k. Which would put their monthly payments (mortgage + property tax) at $1200/month. A family just below the cutoff won’t pay almost any federal or state taxes – in all likelihood, the government will be paying THEM. They will be paying social security and medicare tax. Their monthly income after taxes would be around $3000. It’s not a huge stretch to pay 1200/month for housing when your after tax income is 3000. (Where else can you get a 3-bedroom house for 1200/month?)

And that’s just the legal way. I’ve not covered other more sinister possibilities like 1) earning money “under the table”, 2) renting out one bedroom and the garage to 6 day laborers, etc.

[quote]Stone Ranch Elementary has 45 students on Free or Reduced Lunch (FRL) out of 967, less than 5%[/quote]
Stone Ranch is in a good part of 4S. Monterey Ridge Elementary has 17% of students on free/reduced lunches. Because there are condos and apartments in the north part of 4S and those are assigned to Monterey Ridge.