The typical home in NW MM along Calle Cristobal is similar to the listing below. Right now it is in contigency. The listing price is $439k and I think the sale price will be in the range of $420k to $440k. Perhaps you can be patient and look for a smaller home in this area. There are houses in this area that are around 1700 sq ft that can go for $400k. Recently, there was one that closed at $360k. There was another one that close last year at $420k. One drawback of these houses is that many are along Calle Cristobal so road noise is a problem.
Home insurance for a $400k home is usually around $450-$650 annually. PMI is around $180 monthly and if you put 10% down, it will take 7 years until your equity reaches 20% of sale price when PMI will stop.
