Missing the point. The two areas I referenced are demographically similar and the median incomes are similar ($104K in 92009 and $111K in my hometown). Prices may be almost half in one area yet the monthly PITI are very similar.

BTW,last i checked nominal incomes have steadily increased for decades despite a changing a change in job stability, pensions and employer paid healthcare.

One of these days you will find something to be happy about instead of looking at everything as half empty.

Still waiting to hear about all the places in the country where housing isnt affordable for middle and upper middle class households.