To provide every American household with decent, affordable housing, given the large and widening gap between incomes and housing costs, will require vastly more government subsidies than we now devote to housing - the exact amount of course depends on what kinds of programs, what systems of financing, ownership, development and management we choose (the more market-oriented, the larger the cost; the more we create a social housing sector, the smaller the cost), but think along the lines of $80-100 billion annually.

Average household income in our county is $33k which means rents can't go up much, either.  

When you are low income, the process of moving is much more difficult because of all the deposits you have to save up for, the lack of transportation to actually move the household items, etc.  

I've got good work history, credit scores, and household income.

If I had $150K cash as a down payment, and a 2 salaried income household, with no kids...I'd pay cash for a modest single family home (no mortgage=freedom). 

@Dinh Gia Phung generally speaking the 3X rent requirement is "household income" so it includes all people over 18 who are contributing and paying rent.

I particularly like the U.S. census bureau data because it covers most of the things that I like to look at when evaluating markets, such as population growth, median household income, total market size, etc.The methodology is trickier.

Most households have environmental contaminants in use (or in storage) every day.

Check out citydata.com to see the distribution of household sizes and unit sizes (bedrooms, etc) in Dublin.

I'm going for a meeting with a mortgage broker in the Seattle area this week and from what I understand It should be easy for me to get a loan. 1.Credit score over 7602.Household income over $100k net3.No debt4.Between me and the wife about $100k in assets 5.$35k Cash for downpayment  We are looking to spend max $300k on a house, any idea on the APR to expect for a 30year conventional loan in Seattle,WA.