<prompt> Human: My husband and I are currently living in Seattle. We are in our early 30s. We moved here 1 year ago from Bay Area, California, for him to start a Radiology Technologist program. Another plus was for me to get into a hospital to work as an acute care nurse. Ive been an RN for 2 years in California but due to oversaturation of RNs there I could never get into the hospital. Currently Im making 34hour, but with shift differentials I work nights and OT pay, I bring in about 80-85K per year. My husband goes to school full time but works on the side for his brother, brings in approx 600 per month. We are trying to buy a house in Seattle. Ive been approved for a 400K loan with 4 interest rate. We have about 15K saved, and his brother is planning to help us by gifting us with 20K by March he makes a lot of money, we would not have to pay the money back. This past weekend we went to look for a 3 bed, 1 bath house listed at 400K. There were tons of people also looking, and the realtor told us that the owners already got a great offer at 525K, cash! The house was on market for only 3 days. We felt a little down, but our realtor told us to not give up since there should be more inventory popping up in Spring time, which should give us better bargaining power. This brings us to our current dilemma. With discussions, we came up with a few options. We both have students debt and car loans. We could:1. Stay and see if we could buy a house way below our loan amount Im hoping for something for around 350K, about 10-15 miles from work in a poor but up and coming area2. Rent for now then try again when my husband finish school in 1 year. Radiologic tech avg income in Seattle is approx 53,125-64,2313. Rent for now, then move back to California and live with my in-laws until we save up to buy a house there. Im going back and forth between the options and cant make up my mind. Logically, moving back home would be a practical idea. Wed save on rent by living in a house they also rent, but wed probably pay the same amount we pay now, which is 1500. My wage would increase by almost 23 or double. Avg pay for RN in the bay area is about 60 an hour, but could go up to 70 or 80 with my experience. Radiologic tech pay for my husband would also be higher, about 45 per hour. We can live there for 2-3 years, pay off our loans, save up money, and then try to buy a house. Of course, the market it much higher there. Avg price of a house currently is 800K - 1 mil. We may also give up the idea of purchasing a house for a long time because we probably wont move back to Seattle. On the other hand, we do plan to have kids soon, and we would have great support there. Both of our families live in the bay area. Here are our numbers:My pay: 40 hourHis pay: 600monthRent: 1500monthUtilities: 200monthCar 1 payment: 250 x2 more yearsCar 2 payment: 450 x5 more yearsLoan 1 payment: 400 20K leftLoan 2 payment: deferred for while hes in school. Amount of loan 40K Monthly spending groceries, gas, etc: 800I know we have a lot of details but I was just wondering what your ideas are.  <response>: Were just in love with Washington because of the weather and the people, but the cost of living is increasing at such a rapid rate.This is true, but Washington also has rural areas that are still a manageable commute.On the other hand, we do plan to have kids soon...You need to wait on buying a house. Have kids first - buy a house once your priorities change. 