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According to this post on sfgate, rents in San Francisco have gone up yet again and now average $3,458/month for a one-bedroom unit.
Most people continue to rent because they don't think they have the money for the downpayment -- 20% of the rising sales prices. But you don't need 20% down to buy a house! Did you know that you can buy a home with as little a 3% down?
If you rent an apartment for $3,000/month, you could own a $417,000 condo for $2,700/month -- that leaves you with an extra $300/month for your utilities and other expenses.
As both rents home prices continue to rise, doesn't it make sense to spend the same amount per month on a property whose increasing value means money in your pocket -- not your landlord's?
Are you concerned you'll have trouble finding a property for under $450,000? Trust me, there's more out there than you think -- email me for a list. Still, if you find your tastes are a bit more expensive, you still have the ability to purchase with only 10% down (up to $1m purchase price!).
There are creative ways to put together your downpayment and closing costs; with a professional history in mortgage lending I can give you some ideas to get you started.
So, what's your excuse?