Let’s say you tip $2.25 for a basic avocado toast from a place called Avocado Toast in San Mateo. Generous, for sure, but not unusual. That’s on top of the $5.25 price and tax. That brings it to about $8.
Let’s say you do that for 212,500 days in a row. That would be 582 years. That’s how long it would take for you to pay cash for a median-priced $1.6 million home in San Mateo County if you were to not buy the avocado toast and, instead, put it toward the purchase of the home. Coming up with the 20% down payment of $320,000 would bring it to 40,000 days, or 110 years.
Housing proponents have adopted the avocado as their symbol because there was an article once that said young people can’t afford to buy a house because they waste their money on avocado toast, or other things. But it’s an absurd notion around here that even if one were to eschew the material world that a house is within reach for the average person. It is within reach, but for high-income earners or those who have assistance from elsewhere.
So it should be understandable that those priced out of this market feel bitter. Perhaps they are from here and can’t afford it. Perhaps they came from elsewhere as many have before, became a part of the community and find they can’t stay. It’s frustrating and dispiriting. And to have others who are housed with low property taxes tell them to scrape and save because they did it can be enraging. You are called a slacker or an interloper. You are told to move away if you don’t like it.
You find others like you online.
Let’s say you bought a house for $100,000 on a $20,000 a year salary years ago. You paid the taxes that came with the house. You scraped and saved to make the house nicer and learned how to fix things yourself. You put off haircuts. You clipped coupons, and made other sacrifices. You committed your spare time to your children’s school and volunteered in the community. Perhaps you helped establish an education foundation and helped create the strong schools here that are such a draw. You helped create the community newcomers now seek.
You put your children through college and you don’t spend as much time in the community. You garden for a hobby. But you did your part and you recall the good times, when the Peninsula was quieter, more family friendly, with less traffic and fewer people in too much of a hurry to be as considerate as you remember. You miss the good old days.
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And to have young newcomers call you entitled or a NIMBY because you are concerned about too much development or sunlight in your backyard can be enraging. You are called a racist, an elitist, a tax parasite. You are told to move away if you don’t like it.
You find others like you online.
Online is where people lose their sense of decorum. They fight, misinterpret, fight more, then retreat to their silos. It is not where positive change takes place.
This is a time of transition and diminishing resources, which can bring anxiety. How that anxiety manifests is not new — there is conflict. How enlightened societies overcome that conflict is through communication, empathy and understanding. I write of these two groups to illustrate some real scenarios. These examples are just that, examples. Sketches.
Yet, it’s important to see the perspective of everyone. After all, believe it or not, this is a community. And how good communities are built, transition or become stronger is through communication, mutual respect and understanding. I don’t see that enough these days. Instead, I see rancor and fighting and too much emphasis on “winning” as if there are only competing sides like sports teams. This is wrong. There is no definitive right or wrong, and things change rapidly.
Land use, development and housing are a constant source of opinion because it affects us all. It is our built environment, it is our home. However, there is neither one cause nor one solution. It takes a community to solve through cohesive understanding, not brute force. Our hands should be bruised not by fighting but through the shared hard work of building a new community together while respecting each other’s contributions. Hope and fear are different, but can affect us the same. In many ways, the hopes of one equal the fears of another. If we recognize those aspects in ourselves and in others, we are on our way to understanding and progress. This is how good things happen, indeed, it is the only way.
Jon Mays is the editor in chief of the Daily Journal. He can be reached at jon@smdailyjournal.com. Follow Jon on Twitter @jonmays.
Mr. Mays – great summary of competing opinions regarding housing. My two cents… For those fortunate to have homes, being demonized probably isn’t too upsetting, since they’re already entrenched and they’re reaping the rewards of rising home prices. As for the recent passage of legislation to allow duplexes or four-plexes or additions to single-family homes, I’m unsure many homeowner’s will take “advantage” of those options, especially since it means reassessing their property taxes to a new, and considerably higher baseline? Along with the increase in fees and taxes based on percentages of the base value. This new baseline will then last forever and a day, and for what, their existing home value is already increasing.
For those unfortunate to be unable to purchase homes, instead of demonizing existing homeowners, they should probably demonize local and state governments’ approach to housing and development. One can easily search the net for literature related to reasons for the high cost of housing in CA. If you take a gander at the Terner Center for Housing Innovation, UC Berkeley site, you’ll see a number of research papers. Of note, and written several years ago, are papers on the cost of housing development in seven CA cities and residential impact fees in CA, among many other housing articles. It's safe to assume fees have gone up since then. In the Bay Area, how much does it cost builders to install mandatory all electric appliances, mandatory electric chargers for the majority of folks who don’t own electric cars, low-water or no-water toilets, etc.? Builders aren’t going to throw in those “features” for free and will pass on the cost to homebuyers. Let’s not forget the constant drumbeat to increase minimum wages, accelerating raw materials costs, and inflation. More costs to be passed on to the homeowner.
What’s the solution? Reverse development costs and reduce or eliminate impact fees. Reduce or eliminate nanny regulations and guidelines. If additional mandatory this and mandatory that fees continue to increase, so will home prices. Potential homebuyers, or those without means, will just have to grin and bear it. Or enjoy avocado toast, instead.
Another solution? If people are fans of stack and pack housing, build multi-story dorm buildings and begin selling rooms with communal kitchen and bathroom rights. Remodeling high rises, such as the Oracle buildings, into apartments/dorm rooms. Just think of being able to say you live in one of the Oracle towers, and you don’t have to worry about tipping over, a la SF’s Millennium Tower. These buildings would have the benefit of not destroying single family home neighborhoods as well as creating housing for much more people. Win-win!
For those existing homeowners, pay no attention to the name-callers, and instead, enjoy your homes. If you plan on remodeling your homes, I’m quite sure remodeling existing homes will trigger a property tax reassessment. However, I’m positive your assessed value will not decrease.
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Mr. Mays – great summary of competing opinions regarding housing. My two cents… For those fortunate to have homes, being demonized probably isn’t too upsetting, since they’re already entrenched and they’re reaping the rewards of rising home prices. As for the recent passage of legislation to allow duplexes or four-plexes or additions to single-family homes, I’m unsure many homeowner’s will take “advantage” of those options, especially since it means reassessing their property taxes to a new, and considerably higher baseline? Along with the increase in fees and taxes based on percentages of the base value. This new baseline will then last forever and a day, and for what, their existing home value is already increasing.
For those unfortunate to be unable to purchase homes, instead of demonizing existing homeowners, they should probably demonize local and state governments’ approach to housing and development. One can easily search the net for literature related to reasons for the high cost of housing in CA. If you take a gander at the Terner Center for Housing Innovation, UC Berkeley site, you’ll see a number of research papers. Of note, and written several years ago, are papers on the cost of housing development in seven CA cities and residential impact fees in CA, among many other housing articles. It's safe to assume fees have gone up since then. In the Bay Area, how much does it cost builders to install mandatory all electric appliances, mandatory electric chargers for the majority of folks who don’t own electric cars, low-water or no-water toilets, etc.? Builders aren’t going to throw in those “features” for free and will pass on the cost to homebuyers. Let’s not forget the constant drumbeat to increase minimum wages, accelerating raw materials costs, and inflation. More costs to be passed on to the homeowner.
What’s the solution? Reverse development costs and reduce or eliminate impact fees. Reduce or eliminate nanny regulations and guidelines. If additional mandatory this and mandatory that fees continue to increase, so will home prices. Potential homebuyers, or those without means, will just have to grin and bear it. Or enjoy avocado toast, instead.
Another solution? If people are fans of stack and pack housing, build multi-story dorm buildings and begin selling rooms with communal kitchen and bathroom rights. Remodeling high rises, such as the Oracle buildings, into apartments/dorm rooms. Just think of being able to say you live in one of the Oracle towers, and you don’t have to worry about tipping over, a la SF’s Millennium Tower. These buildings would have the benefit of not destroying single family home neighborhoods as well as creating housing for much more people. Win-win!
For those existing homeowners, pay no attention to the name-callers, and instead, enjoy your homes. If you plan on remodeling your homes, I’m quite sure remodeling existing homes will trigger a property tax reassessment. However, I’m positive your assessed value will not decrease.
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Keep the discussion civilized. Absolutely NO personal attacks or insults directed toward writers, nor others who make comments.
Keep it clean. Please avoid obscene, vulgar, lewd, racist or sexually-oriented language.
Don't threaten. Threats of harming another person will not be tolerated.
Be truthful. Don't knowingly lie about anyone or anything.
Be proactive. Use the 'Report' link on each comment to let us know of abusive posts.
PLEASE TURN OFF YOUR CAPS LOCK.
Anyone violating these rules will be issued a warning. After the warning, comment privileges can be revoked.