<prompt> Human: Im seeing all these guides for income ratio to buy a house. The median home value in San Jose is 972,500 while the median income for a household in San Jose is 77,000.Were making well over 77,000 but that would mean we need to make combined income of almost 400,000 to comfortably buy a house since guide here and other places suggest 2.2 to 2.5x your income. How is home ownership even possible? Should we just up and leave to a different state if we even want to think of home ownership?  <response>: How is home ownership even possible?So, the 77,000 is a median number. It includes all the trust fund kiddos, the retirees, the people that paid in cash and are essentially retired, the people that are in their 50s and 60s and bought well before it was worth anything, etc., that push that number down. Should we just up and leave to a different state if we even want to think of home ownership?Depends on what you value. The Bay Area can offer some upsides to some individuals, but if you work for, say, VMware, you could move to Broomfield, make the same amount of money, and have twice the house to show for it. On the other hand, there are unique opportunities are on tap in the Bay Area that arent, necessarily, elsewhere. 