Esmith, your caclulations are very much in line with my own reality. I have run the numbers to a nauseating extreme and for me they come out very close to your results.
Currently we pay 2500 a month rent. What you said rings very very true. Also the “opportunity costs” of saving money is quite poor in todays environment.
Congrats on the twins. Get a second fridge if you don’t have one already.
Note this is not an endorsement to buy but it is simply confirming the calculations put forward by Esmith.