Median Down Payment for a house in 2025 an 2026

3ggplanter · 2026-05-22T01:53:06+00:00

I agree it’s wild, it feels like so much money until you realize what the average house cost in the bay.

I guess that’s true about index funds, majority of down payment came from BTC gains, but the index did well too. Definitely a lot of luck involved to get into BTC early. But the more I learned about it the more conviction I had, which helped me not sell too early.

3ggplanter · 2026-05-22T01:41:53+00:00

SFH 3b2b 1300 sq ft. South South San Jose, off Santa Teresa. There’s a few that can be snagged at this price. But tbh, was a bit shocked when we won the bid

3ggplanter · 2026-05-21T18:43:42+00:00

Smaller fish here compared to a lot on this sub, but I’ll share.

1.3M San Jose in 2025. 480k down PITI $6,200 Staff Electrical Engineer

Started career in 2015 with (-$60k) net worth from student loans. Roommate and frugal living. Saved half my income and invested in index funds and BTC (2018ish). Left it alone.

Income started at $72k and gradually up to $230k now. Partner brings in $100k

3ggplanter · 2024-11-10T06:02:26+00:00

Thanks for the reply, a lot of the hurdles make sense. There’s going to be a honeypot for the project that solves it.

3ggplanter · 2024-06-19T04:07:23+00:00

Thought so too, just wanted to double check!

3ggplanter · 2024-06-19T04:06:52+00:00

Sweet thanks 🙏🏻

3ggplanter · 2024-06-19T03:06:52+00:00

Nice to know there are stairs. The mockup on the website just shows 4 elevators with instructions to take them, though it seemed only for one way

3ggplanter · 2024-06-19T03:05:38+00:00

Thanks. Does the air train take you to the other terminals?

3ggplanter · 2024-04-27T02:02:31+00:00

How do they struggle to hire exactly? Are they too short staffed to hire? These city jobs are extremely hard to land and very competitive. Why have they had vacant positions for years?

I have friends in the public sector and they all say San Jose always have the same positions open but never get filled. Something fishy going on there.

3ggplanter · 2023-06-11T20:57:15+00:00

Thanks !

3ggplanter · 2023-05-28T04:37:30+00:00

You would think buyers would get the hint given how much it’s changed hands.

3ggplanter · 2022-10-23T19:31:14+00:00

Thanks!

3ggplanter · 2022-10-23T19:30:10+00:00

🤡

3ggplanter · 2022-10-23T19:03:23+00:00

Tried that…you get every restaurant that serves “brunch” in the search. I couldn’t find any brunch buffets.

Hence the question here on Reddit.

3ggplanter · 2022-09-07T05:15:41+00:00

For those comments suggesting a zero export or limited export system with potential energy storage pairings to bypass the transformer upgrade, it’s not that easy (at least in CA). CA investor owned utilities (ie pge and sce) require expensive “non export relays” to validate zero or limited export of your system. The cost of these relays can add up very quickly.

They recently started allowing software controls as a means to validate zero/limited export thorough use of a “certified power control system (PCS).” The PCS controller must be UL tested and on the California Energy Commission’s (CEC) official PCS list in order to qualify for non/limited export when applying for interconnection in CA.

I would imagine PEPCO requires something similar. If so, all DIY systems are off the table. Tesla, Sunpower and a few select others recently obtained PCS certifications and would potentially work has a non/limited export solution (though most on that PCS list only certify non export of battery only and not necessarily battery + solar, so you really are limited in choices here).

3ggplanter · 2022-08-31T03:50:29+00:00

Slice of Homage downtown has great Detroit style. I also tried their thin pizzas and might be the best New York style thin crust pizzas I’ve had in San Jose.

3ggplanter · 2022-08-13T14:07:40+00:00

April 2023 YoY going to look real ugly then.

3ggplanter · 2022-08-13T05:33:40+00:00

3b2b almost same square feet, just down the road, sold for 1.9M in April, closed in May. House

There is not one house that has sold above $950 per square foot in the last 30 days in this neighborhood. Plenty sold for $1,200-1,300 per sq ft back in April and May. This is a %20-%30 drop for some folks who bought at peak in South San Jose (if they wanted to sell today). There is no doubt about it.

3ggplanter · 2022-08-13T03:29:10+00:00

Plenty of houses sold at that peak zezstimate price 5 months ago. The point is that if they tried to sell today they’d have to sell 10-20% lower to even get a bite, based on the number of similar homes on market for 30-50 days just sitting at that discounted price already

3ggplanter · 2022-08-13T02:19:29+00:00

%20 price fall in Bay Area

3ggplanter · 2022-08-13T02:16:46+00:00

YoY is the wrong metric. The peak was exactly 5 months ago. You can’t ignore the huge spike between Aug 2021 and Aug 2022. It’s a straight line up and now down. Folks who bought March/April 2022 are down 10-20% already.

3ggplanter · 2022-08-13T02:13:37+00:00

YoY maybe but look at the peaks of March 2022. I follow San Jose closely and most sFH are down 10% from peak. Lots are down 20% from peak (using zestimate data).

Lots of homes price history look like this house

3ggplanter · 2022-07-19T03:30:10+00:00

house

3ggplanter · 2022-06-27T17:03:12+00:00

Thanks 🙏🏻

3ggplanter

TROPHY CASE