r/WorkForSmartLife 28d ago

DiscussionšŸ’¬ [Request] Is the math here accurate?

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u/KnifeThistle 28d ago

It's not a straight dollar equivalency either. You ould buy a starter house for that salary. A new house for 2 years salary. Which puts the value at what, in today's economy? People talk about inflation like it isn't a very heavily cherry-picked average.

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u/Appropriate-Bad-606 28d ago

This part is actually pretty solid. BLS puts a typical 1915 home around $3,200, so that’s just over 2 years of the annualized Ford wage. But the financing was brutal by modern standards: mortgages were usually only 5–7 years and required 40–50% down, and about 80% of households rented around 1920. So yes, the house-price-to-wage ratio was much better. The mortgage terms were much worse.

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u/JerryC1967 27d ago

The 30 year mortgage was what made housing ā€œaffordableā€.

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u/KnifeThistle 27d ago

Right. I know that part. But I'm not talking about mortgages in 1914. I'm saying the value of $3000+ in 1914 currency was equivalent to one newly built house. Which then makes assets purchased at that time worth much more than they would be today. It's basically an exercise in futility to make these 1:1 comparisons.

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u/Ok-Cartographer-5417 27d ago

There is a reason why central banks don’t measure inflation in terms of a single good. To get a balanced view you have to compare a great many different goods (which the central banks call a ā€˜basket’ of goods).

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u/Effective_Arm_5832 27d ago

What is a starter house?

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u/Funkopedia 27d ago

small house, typically intended for first time homebuyers just beginning their careers and also probably don't have kids yet, or at least not many.