My wife and I are very lucky. I work in IT (70k per year) at a University, she works in Student Affairs (44K per year) at the same University. She doesn’t make much but as part of her job we get free housing on campus. It’s a pretty nice 2BR 1Bath, apt, all of the utilities are paid for, and we each walk to work. So no rent, mortgage, water, power, internet, bills for us. Just streaming platforms.
We have about 40K in savings. We just throw my check into a high yield savings account and live off of her income. We have combined student loan debt of 50k but we are hoping to have some forgiven via PSLF in about 5 years. Besides that we did buy her a new vehicle in Jan: $600 per month, at 4%, 40 months left. Her credit is 720+ mines 700.
We’re also having our 1st kid in a couple months. We both feel the pull to buy a home. A place for our dog to run and kid to grow up. Our FOMO is really kicking in with inflation and rising housing prices. She’ll probably keep her job for another 2 years, but we are concerned we will have missed the opportunity to buy. But if we bought now, it would just be a part time home anyway.
I’m curious what you guys/girls would do in our situation? Just stand pat and throw money in an account ( which I should probably buy ibonds or something safe but with better interest rates) or buy a house that won’t really be used full time for a couple years?
Never buy something because society tells you to. You should only do it if it makes financial sense and if it makes your life better.
You have an amazing housing situation- basically you’re living as if you have a paid off house. I wouldn’t change a thing. Houses appreciate, yes, but a lot less on average compared to the stock market. And they come with a lot of downside such as property taxes, maintenance, utilities, HOA fees etc. Also, at these interest rates, most of your mortgage payment will go towards the interest, and not the principal, so you’ll barely be building any equity for the next 10-15 years unless you make extra payments or rates come down a lot and you can refinance.
I’d just max out my retirement if I were you and put the excess cash into high yield savings accounts and/or in a personal brokerage. And don’t forget to spend a reasonable amount of money on yourself if you’re saving/investing 25-30% of your gross income- you only live once and you will never be young again.
I’d live in the free house for as long as humanly possible. Pay off her vehicle instead.
> We’re also having our 1st kid in a couple months. We both feel the pull to buy a home. A place for our dog to run and kid to grow up.
Wait until the kid is born and walking. What good is the extra space until then?
> Our FOMO is really kicking in with inflation and rising housing prices.
The money you save by living rent free for 2 years will outweigh what you _might_ lose by waiting.
I would wait out the 2 years and reassess. Other people are gonna explain the nuances of the housing market which I’m clueless with. But I’ll add this:
You feel like you’re supposed to get a house now because you’re having a baby and that’s what a lot of people do. But most people don’t have a free apartment. They’re assessing expensive rent or building an equity in a home where renting suddenly feels insecure. Thats not you. You’re pocketing that rent money. You aren’t gonna feel bad about having tens of thousands extra in the bank whereas they might feel they threw money away on rent when they could have funneled it towards equity. Money in the bank with a young child is gonna feel good.
Plus you don’t really need additional space for a new baby anyway. It might start to feel a little cramped towards the end as they start moving around. But that will be lining up exactly with your wifes career timeline anyway
So I work for a University as well. I’ve known several people that have raised families in campus housing. The children LOVED IT. They were the center of attention and there was always someone who wanted to play with the children. College students missing younger sibs.
I think the only caution I would have is to make sure you have a backup plan if your wife loses her job/housing. I’ve seen someone get laid off and lose their housing and it was a mess.
Many people get tired of the campus life and move out but I’ve also known people who lived on campus for twenty years or more.
Do what works for you!
Good luck!
Keep the free housing. Save as much as possible. Have a nice down payment in a few years.
You have not missed your window. There is significant selling pressure coming in the residential market, especially as AirBnB / VRBO “landlords” reach the “find out” part of FAFO.
Just sit tight for another year or so. RE moves in loooong cycles.
You’re in a great situation. Keep saving and wait for the right moment. $40k is a great start but I’d use this as an opportunity to keep adding to that. Time is on your side and it would be foolish to give up such a huge advantage prematurely.
Why drastically increase your expenses and stress of home ownership while also becoming parents?
Hey fellow higher Ed worker.
First off, free housing is wonderfully, truly. But there is usually a cost associated with it, such as on call response. Not sure what the cost your wife has to pay that isn’t money.
In terms of having the kid, I have a grad in my department whose parents are both higher Ed folks and has lived on a college campus her entire life. Little kids love it. They can see all the “big kids” and it helps socialize them really well.
As for the dog, the yard is absolutely a huge plus for a dog for sure. I can’t wait to give mine one. But you can emulate that with a good dog park.
Being in a very similar boat as you, I’d say pay off as much of your debts as you can, save everything else. In a couple years when your wife no longer wants to be in that role, buy a house then. You’ll be closer to being debt free so you can then focus on paying off your mortgage faster.
Buy a house if you want to live in one. Don’t do it for financial purposes. Having a house is a huge amount of work and changes your lifestyle dramatically.
Do you want to spend weekends sorting out a garden or fixing something? Paying tons in taxes, utilities and insurance?
If you want a house for space/family etc, then great. If you want one because your parents are telling you to buy one, then seems dumb to me.
A two bedroom home is big enough for a couple and a baby. And you aren’t likely to find housing that’s cheaper than free.
My advice would be to work hard to save more of a down payment over the next 2-3 years while continuing to live in your current accomodations. This would put you in better financial shape when you buy a house later.
If you keep throwing your entire paycheck in savings, in two years when your wife wants to change jobs and the free apartment goes away, you’ll have 180k saved up. That is an amazing down payment and you will be able to get the best mortgage terms. Just wait it out, until the free apartment goes away.
So you have no rent or mortgage and all you can save is $40k? That sounds a bit concerning with a plan to buy a home and a baby on the way. Maybe spend time looking at your lifestyle costs and take this once in a lifetime opportunity to build your savings
Don’t buy a house! You are saving tens of thousands of dollars a year just from staying in your FREE apartment. Give yourself time to save up more for when you are thinking about what school the little one will be attending and then move to that district. Also, you are not giving enough info about your finances and COL in your area. To me it seems like if you had a house you would not be able to afford your new car.
Every year you’re saving ~$70k is another massive payment for a home when you really need one. I’m in a similar situation where I make decent money and the spouse gets our housing as part of the job. We both feel the want for something bigger but we can save more & do more with the current situation – for now.
I get the FOMO/grass is always greener angle, I do, but my brother in Christ you have free housing and utilities. This is an incredible opportunity to save that will never be replicated in your life and most people never get anything like it. Take advantage of it.
In a couple of years, when your wife changes jobs, look around then. Your buying power, assuming she increases her salary and you continue to save aggressively, will be plenty high.
Also, understand that being a homeowner is expensive. It’s not just the mortgage, it’s taxes, insurance, utilities, and maintenance. There’s always something that needs doing/fixing.
A couple things to consider – You just bought a car at $600/month when you both walk to work. Not questioning your ability to afford that given your low expenses, but are you financially disciplined enough to transition from having your biggest expense completely covered to having to pay down a mortgage and maintain a home? You didn’t mention retirement either, at you guys investing in retirement accounts?
Personally in your place I would not purchase a home. Since this will only last two more years and you have a child on the way, I would ensure that all my debts are paid. pay off that car loan. Is it 100% guaranteed that you will get student loan forgiveness? If the answer is no, then start paying off your student loans. Get the debt paid before you start to incur increased expenses like housing and child care
If you aren’t paying anything, keep not paying anything. Live there until you really need more space. Kids aren’t cheap and if you are putting your salary into savings and you only have 40k then you don’t have your no house expenses in good shape iMO.
>Our FOMO is really kicking in with inflation and rising housing prices.
Housing prices are currently falling.
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>I’m curious what you guys/girls would do in our situation?
You can try buying now and renting the property out. Then, if/when you choose to move in you can, just give the tenant whatever your state dictates as lead time to move out.
**CONCLUSION:** Based on the below thoughts, your current housing situation seems satisfactory with the added benefit of financial stability. Buying a home, living in it for only 2 years, then selling will be very costly – you can assume that you will not build any equity.
——————————————————————————————————-
>we get free housing on campus. It’s a pretty nice 2BR 1Bath, apt, all of the utilities are paid for, and we each walk to work. So no rent, mortgage, water, power, internet, bills for us. Just streaming platforms.
😯 You are fortunate- be thankful.
That said, this perk is included as part of your compensation package. Would you be able to re-negotiate your compensation if you did not utilize this perk?
Adding more debt on top of your existing debt – that is your choice. Would you agree that the higher the earnings -to- debt ratio, the higher your financial risk is?
Student loans – you cannot sell your education to get money back. A vehicle is a depreciating asset. Financial demands for the cost of a child also take money out of your budget.
Also, your time will be taken up with a new-born baby. What if something goes wrong with a new house – you will have to spend time & energy on that.
​
>We both feel the pull to buy a home. A place for our dog to run and kid to grow up
A house is an emotional choice. It provides a lifestyle, as you mentioned.
​
>Our FOMO is really kicking in with inflation and rising housing prices.
Nobody will give you accurate predictions on future housing prices.
​
>If we bought now, it would just be a part time home anyway.
If you plan to only stay in the house for 2 years, then the costs of buying, moving in, and selling will be much more expensive than renting (which you get for *free*). You can easily assume that ***you will not build up any equity and the costs will be greater than your down payment.***
Understand how the loan works. The loan payments (see a loan amortization chart) are weighted to pay mostly the interest + little principal (equity) in the begging. I.e. the bank gets their money first and you build equity very slowly over a long period of time.
Keep saving and buy when you actually need it
Agree with others but no just because 40k is not enough of a downpayment to make 20% almost anywhere let alone agent fees, inspection fees, lawyer fees, other closing costs, plus any immediate cosmetic repairs or fixes it needs.
Also, it sounds like you guys have a great set up, but how are you saving your entire paycheck and only have 40k saved? That either tells me that you haven’t been doing this long (less than a year) or you’re not actually saving your entire paycheck. If you just got into a good place where you can consistently save for a bit, hold onto it before making big changes, if you put your entire paycheck in savings but then take some out later in the month for XYZ then you need to be realistic about your actual savings rate.
That’s high level but any better advice would need numbers – what’s the home price, what’s the monthly payment, HOA, etc. I mean if you’re looking for a 850k house that’s just probably never going to be possible, but a 300k home you could probably get into by the time the kid is turning 1 and needs more space if it’s a goal.
Financially, it’s never going to make sense to give up free housing, but personally it can be a goal to own a home. Better to just focus on how to position yourself to get a home then constantly lament over the free housing you’ll be losing.
While saving it wouldn’t hurt to try and bring up your credit score a bit in the next year too! They’re not bad but it never hurts right.
Now is the worst time in probably the past 10 years to buy a house. No one knows the future, but I would wait another 1-2 years (with hopes that interest rates will fall and you can save as much as possible), especially because you have a free place to live.
Do not leave free housing yet. Give it at least a full year with the baby. It’s stressful to move while pregnant. If you’re truly able to save your salary, you can kiss that goodbye. Once you own a home, you’ll have property insurance, taxes, interest payments. Not to mention, it’s yours, so you’ll feel the pull to upgrade appliances, redo the driveway, etc. homeownership is an endless money suck, especially in comparison to your rent-free position. If you can save $60k a year, you’ll save up faster than any equity you might earn on a home.
Feel free to buy as an investment and rent it out. But it seems to me you have a pretty good setup already.
Pay off all debts. Your interest on your high yield is probably the same as your car loan, so pay it off. You probably have three years before you will really will need a bigger home and a yard. We just hit that point with our three year old. All she wants to do is run. We paid off our townhome, no student loans, two new cars paid off, no cc debt. I make 82k and my wife stays at home. We’ve been looking at houses for a while but are not being pressured until we really feel comfortable.
I’m in a similar job to you with the same arrangement. Many families stay in the free housing. Why? Because it’s free and actually really good. We’re in a special situation where the largest expense anyone has is usually the housing. Honestly, I would imagine your wife’s salary is almost equal to yours with all of that taken into account.
TBH with the student debt, $600 car note (this is insane at your income fyi), and her planning to leave the workforce in 2 years I think it would be a bad idea to buy.
Take advantage of free housing and save more. If your were in better financial spot it would be worth considering.
Stay in free housing. Save your money.
Don’t buy a house. You have a sweet deal. Pay off all debt and save save save.
Free room ~~and board~~? I’d take that over a mortgage, esp while you still have student debt and car debt.
There is no “right moment” to buy but now its the worst moment you could think off, wait 1-2 years until interests are lower, prices might drop a bit but don’t expect a 20% drop, save as much as you can in this year and you’ll be good
On the housing for a family front, honestly I agree with someone else that you won’t need the extra space until way later. It won’t be a while until the kiddo can actually take advantage of said space, and if you have access to a park, that would be just as effective in letting the ki run around and play free.
Kids are resilient and resourceful — it’s not like they wouldn’t survive if they didn’t have their own room or a yard to play in.
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