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The title on this question is a bit dramatic. After all, this couple does earn more than double Cupertino's median household income of $160k. The median home price in Cupertino is $1.74M so it seems like a better response than the whiny top response on Quora is: how can this couple not afford a home there on a $400k salary when clearly so many other people can?

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I am pretty certain the median home owner in the desirable Bay area cities could not afford their homes at their income level. The rise in home prices relative to incomes is pervasive in almost every city with good jobs. We live in crazy times. You can't blame low interest rates or "foreign investors". But don't hate on the people whining because they have a valid point :)

Using the word 'survive' instead of 'buy our dream house in a perfect location' is what's causing the level of scorn. People on minimum wage try to survive. At 400K there is no chance this couple is going to have to choose between eating and paying rent.

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