Late last night I got the call. My bid on a home in Petworth was accepted and I am now on the fast track to homesteading.

And a $450,000 mortgage.

This morning both those realities hit me and you can see the result: crazy fear. Fear of many things, rational, irrational, even imaginary, but rarely financial.

Let me serve as an example of affordable housing in Washington DC. My three bedroom + finished basement house will be just under $3,000 a month with very traditional and conservative financing.

Thats $800 a person as a group house, or as we will do, $1,100 for my girlfriend and I, and $800 for the basement. Quite affordable by DC housing standards.

So to those who moan about the lack of “affordable housing”, I call bullshit. Housing is affordable. Mortgages are pricing out at rent levels.

If you read this and are thinking, “Nice, Wayan, but I really can not afford my dream home,” maybe its called “dream home” and not “reality home” for a reason.

This post appeared in its original form at DC Metblogs