<prompt> Human: hi all, i am posting this here and on rRealEstatei am currently buying my first house here in buffalo, ny. i am wondering what the general consensus is for bath counts. my parents say i need at least 1.5 bath, mostly for guests and when my fiance and i have urgent needs simultaneously its not pretty, but looking at the market here, i can save about 20,000 on the mortgage if i filter out the houses with more than 1 bath. this cut in mortgage will save us 150 per month on the mortgage cost, which helps our overall budget breath.some background: a 140k house typically has 3bd1.5ba, and after taxespmihome insurance costs 1200 per month, which is the top of our budget.a 120k house would therefore cost 1050, giving our budget some wiggle room. yes, i did account for utilities going up.just last week we tried looking at houses with 1.5ba at the 120k range, and none of them were goodneeded too much work for us we want move in ready.part of me says its worth the 150 per month to have the convenience of not needing to wait on my fiance, and the comfort knowing my guests will always have a clean bathroom. not to mention a larger budget garners a larger houseyardgarageetc. part of me says i can spend the 150 on better groceriesgoing outemergency fundenjoying my mid-20swe considered renting, but rentals are either too deep in the city for me to feel safe, or too small for the price. buffalo monthly rent cost is typically 1sqft, so 12001200 sqft apartment. this and most houses we are looking at are 1400-1800sqft, for a monthly cost of 0.75sqft-0.85sqft. the decision to buy was almost a no-brainer.  <response>: If 150month is causing that much of a strain on your budget, then you are already purchasing way too much house.I would never buy a home with a single bathroom. Especially not a 3br home.In the long run, its going to cost you far more than 150 a month for this extra bathroom. The interest difference between a 120k home and a 140k home over a 30 year term is noticeable.we considered renting, but rentals are either too deep in the city for me to feel safe, or too small for the price. buffalo monthly rent cost is typically 1sqft, so 12001200 sqft apartment. this and most houses we are looking at are 1400-1800sqft, for a monthly cost of 0.75sqft-0.85sqft. the decision to buy was almost a no-brainer. And are you including maintenance, property taxes, insurance, any HOA fees, upkeep, and repairs in this calculation? You cant just say that a house costs less because the mortgage payment is less than youd pay in rent. 