Think mortgage rates are high now? Connie Strait remembers when she was starting her career in real estate in the early 1980s and buyers were contending with rates three times higher.
Strait recalled one couple who were actually relieved when they locked in a 30-year fixed-rate mortgage at 19% in September 1981. The couple had told her they were hoping to close on their new home before rates moved any higher.
“They were so delighted to be closing at 19%,” said Strait, who now works at William Raveis Real Estate in Danbury, Connecticut. “They said, ‘We made it in just under the wire, next week it is going to 20%!’”
The following month, in October 1981, the average weekly interest rate for a 30-year, fixed rate loan hit an all-time high of 18.6%, according to Freddie Mac. The average mortgage rate is based on a survey of conventional home purchase loans for borrowers who put 20% down and have excellent credit. But many buyers pay even more.
This week, the 30-year fixed-rate mortgage rate hit an average of 6.70%. Although it may come as cold comfort to someone who let a 3% rate slip through their fingers just seven months ago, today’s interest rates are, historically speaking, still relatively low.
“Unfortunately, now people don’t remember how Baby Boomers were getting rates of 10%, 12% and higher for most of the 1980s,” Strait said. “Meanwhile, our kids are shocked by 6%.”
Those ultra-high rates made homeownership less affordable in the early 1980s than it is now. By the mid-1980s though, mortgage rates had fallen somewhat, making financing more affordable, even with rates near 10%.
But many things have changed since the 1980s.
Given wage growth, sky-high home prices and rapidly rising interest rates, homes today are the least affordable they have been in 35 years.
Home affordability has worsened
Mortgage rates were high in the 1980s, but home prices were a lot less expensive, too.
In October 1981 a typical home cost $70,398. But with mortgage rates averaging 18.45% that month, the $870 monthly payment took up about 55% of the median income at the time, according to Black Knight, a mortgage data company.
By October 1986, rates had dropped to 9.97% and a typical home was $91,488. That brought the monthly payment down to $640, and took up just 30% of the median income.
“If you reduce interest rates by 8.5% that doubles your buying power,” said Andy Walden, vice president of enterprise research at Black Knight.
With the typical home currently costing $434,978, and rates over 6%, the monthly mortgage payment of $2,061 eats up more than 36% of the median monthly income, according to Black Knight.
“When we lower interest rates it allows home prices to grow much more quickly than incomes,” said Walden. “It gives folks the ability to buy more home with the same amount of income. So a 1% decline in interest rates allows you to buy 10% to 12% more home, with the exact same amount of money.”
Interest rates have been below 5% for the past 11 years, with the weekly average reaching an all-time low of 2.65% in January 2021. That’s part of the reason why home prices are so high today.
Incomes aren’t keeping up
Making affordability matters worse, home prices are significantly out of whack with income levels.
Over the past five years, while the average home price has gone up 60%, the average income has risen less than 15%.
“We now have the highest ratio of home price to income that we’ve seen in the past 50 years plus,” said Walden. “We have data going back to 1970 and it is the highest we’ve seen by far.”
Historically, home prices were between three to four times the median income, a ratio that remained consistent from 1975 until 2000, according to Black Knight. In 2000, as interest rates began to drop below 8%, the ratio began to rise, reaching a point in 2005 where home prices were almost five and a half times the median income.
The sharp rise in 2005 was largely fueled byexpanded credit in the mortgage market, said Walden, with mortgages being offered based on a buyer’s unverified income, and through products like interest-only, adjustable-rate and negative amortizingloans.
“That allowed those shopping to buy more home than their income level would traditionally support,” he said.It also created a bubble that led to the 2008 housing crash.
Today, the typical home price is six times the median household income of about $71,000.
Credit availability has greatly increased
Another reason why rates were so high in the 1980s was that there was less credit available to borrow, making it more difficult and costly for buyers to secure a mortgage. Banks had to charge higher rates for taking on the risk. But today’s mortgages are often bundled and sold into investment products. That secondary market makes it profitable for lenders to give loans to many more people, and at lower interest rates.
“Back in the early 1980s, rates were in the mid- to upper-teens,” said Pete Miller, senior vice president for residential policy at the Mortgage Bankers Association. “Part of the reason was that the supply of mortgage credit was more constrained. We didn’t have the secondary market liquidity we have today.”
Miller – who bought his first home in California in the mid 1980s with a 13% adjustable rate mortgage – said 6% for a fixed-rate 30-year loan is historically a very good interest rate.
“I remember when interest rates went to single digits and saying, ‘I thought that would never happen.’”
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32k salary is a solid hourly wage; above most minimum hourly wage jobs.
For most people, an entry-level job would be pay just over $32,000 a year. The question that remains is can you make a living off $32k a year.
The median household income is $68,703 in 2019 and increased by 6.8% from the previous year (source). Think of it as a bell curve with $68K at the top; the median means half of the population makes less than that and half makes more money.
The average income in the U.S. is $48,672 for a 40-hour workweek; that is an increase of 4% from the previous year (source). That means if you take everyone’s income and divided the money out evenly between all of the people.
But, the question remains can you truly live off 32,000 per year in today’s society since it is well below both the average and median household incomes. The question you want to ask all of your friends is $32000 per year a good salary.
In this post, we are going to dive into everything that you need to know about a $32000 salary including hourly pay and a sample budget on how to spend and save your money.
These key facts will help you with money management and learn how much per hour $32k is as well as what you make per month, weekly, and biweekly.
Just like with any paycheck, it seems like money quickly goes out of your account to cover all of your bills and expenses, and you are left with a very small amount remaining. You may be disappointed that you were not able to reach your financial goals and you are left wondering…
Can I make a living on this salary?
$32000 a year is How Much an Hour?
When jumping from an hourly job to a salary for the first time, it is helpful to know how much is 32k a year hourly. That way you can decide whether or not the job is worthwhile for you.
For our calculations to figure out how much is 32K salary hourly, we used the average five working days of 40 hours a week.
$32000 a year is $15.38 per hour
Let’s breakdown how that 32000 salary to hourly number is calculated.
Typically, the average workweek is 40 hours and you can work 52 weeks a year. Take 40 hours times 52 weeks and that equals 2,080 working hours. Then, divide the yearly salary of $32000 by 2,080 working hours and the result is $15.38 per hour.
32000 salary / 2080 hours = $15.38 per hour
Just above $15 an hour.
That number is the gross hourly income before taxes, insurance, 401K, or anything else is taken out. Net income is how much you deposit into your bank account.
You must check with your employer on how they plan to pay you. For those on salary, typically companies pay on a monthly, semi-monthly, biweekly, or weekly basis.
What If I Increased My Salary?
Just an interesting note… if you were to increase your annual salary by $11K to $43K per year, it would increase your hourly wage to over $20 an hour – a difference of $5.29 per hour.
To break it down – 43k a year is how much an hour = $20.67
That difference will help you fund your savings account; just remember every dollar adds up.
How Much is $32K salary Per Month?
On average, the monthly amount would be $2,667.
Annual Salary of $32,000 ÷ 12 months = $2,667 per month
This is how much you make a month if you get paid 32000 a year.
$32k a year is how much a week?
This is a great number to know! How much do I make each week? When I roll out of bed and do my job of $32k salary a year, how much can I expect to make at the end of the week for my effort?
Once again, the assumption is 40 hours worked.
Annual Salary of$32000/52 weeks = $615 per week.
$32000 a year is how much biweekly?
For this calculation, take the average weekly pay of $615 and double it.
This depends on how many hours you work in a day. For this example, we are going to use an eight-hour workday.
8 hours x 52 weeks = 260 working days
Annual Salary of$32000 / 260 working days = $123 per day
If you work a 10 hour day on 208 days throughout the year, you make $153 per day.
$32000 Salary is…
$32000 – Full Time
Total Income
Yearly Salary (52 weeks)
$32,000
Monthly Wage
$2,667
Weekly Salary (40 Hours)
$615
Bi-Weekly Wage (80 Hours)
$1,230
Daily Wage (8 Hours)
$123
Daily Wage (10 Hours)
$153
Hourly Wage
$15.38
Net Estimated Monthly Income
$2,036
Net Estimated Hourly Income
$11.75
**These are assumptions based on simple scenarios.
32k a year is how much an hour after taxes
Income taxes is one of the biggest culprits of reducing your take-home pay as well as FICA and Social Security. This is a true fact across the board with an all salary range up to $142,800.
When you make below the average household income, the amount of taxes taken out hurts your hourly wage.
Every single tax situation is different.
On the basic level, let’s assume a 12% federal tax rate and a 4% state rate. Plus a percentage is taken out for Social Security and Medicare (FICA) of 7.65%.
So, how much an hour is 32000 a year after taxes?
Gross Annual Salary: $32,000
Federal Taxes of 12%: $3,840
State Taxes of 4%: $1,280
Social Security and Medicare of 7.65%: $2,448
$32k Per Year After Taxes is $24,432.
This would be your net annual salary after taxes.
To turn that back into an hourly wage, the assumption is working 2,080 hours.
$24432 ÷ 2,080 hours = $11.75 per hour
After estimated taxes and FICA, you are netting $24,432 per year, which is $7,568 per year less than what you expect.
***This is a very high-level example and can vary greatly depending on your personal situation and potential deductions. Therefore, here is a great tool to help you figure out how much your net paycheck would be.***
In addition, if you live in a heavily taxed state like California or New York, then you have to pay way more money than somebody that lives in a no tax state like Texas or Florida. This is the debate of HCOL vs LCOL.
Thus, your yearly gross $32000 income can range from $21,872 to $25,712depending on your state income taxes.
That is why it is important to realize the impact income taxes can have on your take home pay. It is one of those things that you should acknowledge and obviously you need to pay taxes. But, it can also put a huge dent in your ability to live the lifestyle you want on a $32,000 income.
32k salary lifestyle
Every person reading this post has a different upbringing and a different belief system about money. Therefore, what would be a lavish lifestyle to one person, maybe a frugal lifestyle to another person. And there’s no wrong or right, it is what works best for you.
One of the biggest factors to consider is your cost of living.
In another post, we detailed the differences of living in an HCOL vs LCOL vs MCOL area. When you live in big cities, trying to maintain your lifestyle of $32,000 a year is going to be extremely difficult because your basic expenses, housing, transportation, food, and clothing are going to be much more expensive than you would find in a lower cost area.
To stretch your dollar further in the high cost of living area, you would have to probably live a very frugal lifestyle and prioritize where you want to spend money and where you do not. Whereas, if you live in a low cost of living area, you can afford the cost of living and maybe save more money. Thus, you have more fun spending left in your account each month.
As we noted earlier in the post, $32,000 a year is well below the average income that you would find in the United States. Thus, you have to be wise with how you spend your money.
What a $32,000 lifestyle will buy you:
If you are debt free and utilize smart money management skills, then you are able to enjoy the lifestyle you want.
You are able to rent in a decent neighborhood in LCOL.
You should be able to meet your basic expenses each and every month.
Not be able to afford many of the fun spending luxuries.
Start saving with the 200 envelope challenge.
Ability to make sure that saving money is a priority, and very possibly save $1000 in 52 weeks.
When A $32,000 Salary Will Hold you Back:
However, if you are riddled with debt or unable to break the paycheck to paycheck cycle, then living off of 32k a year is going to be pretty darn difficult.
There are two factors that will keep holding you back:
You must pay off debt and cut all fun spending and extra expenses.
Break the paycheck to paycheck cycle.
It is possible to get ahead with money!
It just comes with proper money management skills and a desire to have less stress around money. That is a winning combination regardless of your income level.
$32k Salary To Hourly
We calculated how much $32,000 a year is how much an hour with 40 hours a week. But, more than likely, you work more or fewer hours per week.
So, here is a handy calculator to figure out your exact hourly salary wage.
$32K a year Budget – Example
As always, here at Money Bliss, we focus on covering our basic expenses plus saving and giving first, and then our goal is to eliminate debt. The rest of the money leftover is left for fun spending.
If you want to know how to manage 32k salary the best, then this is a prime example for you to compare your spending.
You can compare your budget to the ideal household budget percentages.
recommended budget percentages based on $32000 a year salary:
Category
Ideal Percentages
Sample Monthly Budget
Giving
10%
$187
Savings
15-25%
$480
Housing
20-30%
$693
Utilities
4-7%
$107
Groceries
5-12%
$213
Clothing
1-4%
$16
Transportation
4-10%
$107
Medical
5-12%
$133
Life Insurance
1%
$10
Education
1-4%
$6
Personal
2-7%
$24
Recreation / Entertainment
3-8%
$60
Debts
0% – Goal
$0
Government Tax (including Income Tatumx, Social Security & Medicare)
15-25%
$631
Total Gross Monthly Income
$2,667
**In this budget, prioritization was given to basic expenses and no debt.
Is $32,000 a year a Good Salary?
As we stated earlier if you are able to make $32,000 a year, that is a low salary. You are making around or just above minimum wage.
While 32000 is a decent salary just starting out in your working years, it is a salary that you want to rapidly increase before your expenses go up or the people you provide for increase. If not, you will be left working multiple jobs to make ends meet.
However, too many times people get stuck in the lifestyle trap of trying to keep up with the Joneses, and their lifestyle desires get out of hand compared to their salary. And what they thought used to be a great salary actually is not making ends meet at this time.
This $32k salary would be considered a lower class salary. You must make each dollar count in your budget.
Check: Are you in the middle class?
In fact, this income level in the United States has enough buying power to put you in the top 95 percentile globally for per person income (source).
The question you need to ask yourself with your 32k salary is:
Am I maxed at the top of my career?
Is there more income potential?
What obstacles do I face if I want to try to increase my income?
In the future years and with possible inflation, in many modest cities a 32,000 a year is not a good salary because the cost of living is so high, whereas these are some of the cities where you can make a decent living at 32,000 per year.
If you are looking for a career change, you want to find jobs paying at least 35,000 a year.
Is 32k a good salary for a Single Person?
Simply put, you can make it work.
You can stretch your salary much further because you are only worried about your own expenses. A single person will spend much less than if you need to provide for someone else.
Learn exactly what is a good salary for a single person today.
Your living expenses and ideal budget are much less. Thus, you can live comfortably on $32000 per year.
And… most of us probably regret how much money wasted when we were single. Oh well, lesson learned.
Is 32k a good salary for a family?
Many of the same principles apply above on whether $32000 is a good salary. The main difference with a family, you have more people to provide for than when you are single or have just one other person in your household.
The costs of raising children are high and will steeply cut into your income. As you can tell this is a huge dent in your income, specifically $12,980 annually per child.
That means that amount of money is coming out of the income that you earned.
So, the question really remains is can you provide a good life for your family making $43,000 a year? This is the hardest part because each family has different choices, priorities, and values.
More or less, it comes down to two things:
The location where you live in.
Your lifestyle choices.
You can live comfortably as a family on this salary, but you will not be able to afford everything.
Many times when raising a family, it is helpful to have a dual-income household. That way you are able to provide the necessary expenses if both parties were making 32,000 per year, then the combined income for the household would be over $64,000. Thus making your combined salary a very good income.
Learn how much money a family of 4 needs in each state.
Can you Live on 32000 Per Year?
As we outlined earlier in the post, $32,000 a year:
$15.38 Per Hour
$123-153 Per Day (depending on length of day worked)
$615 Per Week
$1230 Per Biweekly
$2667 Per Month
Next up is making $35000 a year!
Like anything else in life, you get to decide how to spend, save and give your money.
That is the difference for each person on whether or not you can live a lower-class lifestyle depends on many potential factors. If you live in California or New Jersey you are gonna have a tougher time than Oklahoma or even Texas.
In addition, if you are early in your career, starting out around 30,000 a year, that is a-okay place to be getting your career. However, if you have been in your career for over 20 years and still making $32K, then you probably need to look at asking for pay increases, pick up a second job, or find a different career path.
Regardless of the wage that you make, if you are not able to live the lifestyle that you want, then you have to find ways to make it work for you. Everybody has choices to make.
But one of the things that can help you the most is to stick to our ideal household budget percentages to make sure you stay on track.
One of the best ways to improve your personal finance situation is to increase your income. Here are a variety of side hustles that are very lucrative. With time and effort, you can start enjoying the lifestyle you want.
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47k salary is a solid hourly wage when you think about it.
When you get your first job and you are making just above minimum wage making over $47,000 a year seems like it would provide amazing opportunities for you. Right?
The median household income is $68,703 in 2019 and increased by 6.8% from the previous year (source). Think of it as a bell curve with $68K at the top; the median means half of the population makes less than that and half makes more money.
The average income in the U.S. is $48,672 for a 40-hour workweek; that is an increase of 4% from the previous year (source). That means if you take everyone’s income and divided the money out evenly between all of the people.
But, the question remains can you truly live off 47,000 per year in today’s society since it is below both the average and median household incomes. The question you want to ask all of your friends is $47000 per year a good salary.
In this post, we are going to dive into everything that you need to know about a $47000 salary including hourly pay and a sample budget on how to spend and save your money.
These key facts will help you with money management and learn how much per hour $47k is as well as what you make per month, weekly, and biweekly.
Just like with any paycheck, it seems like money quickly goes out of your account to cover all of your bills and expenses, and you are left with a very small amount remaining. You may be disappointed that you were not able to reach your financial goals and you are left wondering…
Can I make a living on this salary?
$47000 a year is How Much an Hour?
When jumping from an hourly job to a salary for the first time, it is helpful to know how much is 47k a year hourly. That way you can decide whether or not the job is worthwhile for you.
$47000 a year is $22.60 per hour
Breakdown Of How Much Is 47k A Year Hourly
Let’s breakdown, how that 47000 salary to hourly number is calculated.
For our calculations to figure out how much is 47K salary hourly, we used the average five working days of 40 hours a week.
Typically, the average workweek is 40 hours and you can work 52 weeks a year. Take 40 hours times 52 weeks and that equals 2,080 working hours. Then, divide the yearly salary of $47000 by 2,080 working hours and the result is $22.60 per hour.
47000 salary / 2080 hours = $22.60 per hour
Just above $22 an hour.
Key Points….
That number is the gross hourly income before taxes, insurance, 401K, or anything else is taken out. Net income is how much you deposit into your bank account.
You must check with your employer on how they plan to pay you. For those on salary, typically companies pay on a monthly, semi-monthly, biweekly, or weekly basis.
Just an interesting note… if you were to increase your annual salary by $5K, it would increase your hourly wage to over $25 an hour – a difference of $2.40 per hour.
To break it down – 52000 salary / 2080 hours = $25.00 per hour
That difference will help you fund your savings account; just remember every dollar adds up.
How Much is $47K salary Per Month?
On average, the monthly amount would be $3,917.
Annual Salary of $47000 ÷ 12 months = $3917 per month
This is how much you make a month if you get paid 47000 a year.
$47k a year is how much a week?
This is a great number to know! How much do I make each week? When I roll out of bed and do my job of $47k salary a year, how much can I expect to make at the end of the week for my effort?
Once again, the assumption is 40 hours worked.
Annual Salary of$47000/52 weeks = $904 per week.
$47000 a year is how much biweekly?
For this calculation, take the average weekly pay of $904 and double it.
This depends on how many hours you work in a day. For this example, we are going to use an eight-hour workday.
8 hours x 52 weeks = 260 working days
Annual Salary of$47000 / 260 working days = $180 per day
If you work a 10 hour day on 208 days throughout the year, you make $226 per day.
$47000 Salary is…
$47000 – Full Time
Total Income
Yearly Salary (52 weeks)
$47,000
Monthly Wage
$3,917
Weekly Pay (40 Hours)
$904
Bi-Weekly Pay (80 Hours)
$1,808
Daily Wage (8 Hours)
$180
Daily Wage (10 Hours)
$226
Hourly Wage
$22.60
Net Estimated Monthly Income
$2,990
Net Estimated Hourly Income
$17.25
**These are assumptions based on simple scenarios.
47k a year is how much an hour after taxes
Income taxes is one of the biggest culprits of reducing your take-home pay as well as FICA and Social Security. This is a true fact across the board with an all salary range up to $142,800.
When you make below the average household income, the amount of taxes taken out hurts your hourly wage.
Every single tax situation is different.
On the basic level, let’s assume a 12% federal tax rate and a 4% state rate. Plus a percentage is taken out for Social Security and Medicare (FICA) of 7.65%.
So, how much an hour is 47000 a year after taxes?
Gross Annual Salary: $47,000
Federal Taxes of 12%: $5,640
State Taxes of 4%: $1,880
Social Security and Medicare of 7.65%: $3,595
$47k Per Year After Taxes is $35,884
This would be your net annual salary after taxes.
To turn that back into an hourly wage, the assumption is working 2,080 hours.
$35884 ÷ 2,080 hours = $17.25 per hour
After estimated taxes and FICA, you are netting $32,830 per year, which is $10,170 per year less than what you expect.
***This is a very high-level example and can vary greatly depending on your personal situation and potential deductions. Therefore, here is a great tool to help you figure out how much your net paycheck would be.***
In addition, if you live in a heavily taxed state like California or New York, then you have to pay way more money than somebody that lives in a no tax state like Texas or Florida. This is the debate of HCOL vs LCOL.
Thus, your yearly gross $47000 income can range from $32124 to $37765 depending on your state income taxes.
That is why it is important to realize the impact income taxes can have on your take home pay. It is one of those things that you should acknowledge and obviously you need to pay taxes. But, it can also put a huge dent in your ability to live the lifestyle you want on a $47,000 income.
47k salary lifestyle
Every person reading this post has a different upbringing and a different belief system about money. Therefore, what would be a lavish lifestyle to one person, maybe a frugal lifestyle to another person. And there’s no wrong or right, it is what works best for you.
One of the biggest factors to consider is your cost of living.
In another post, we detailed the differences between living in an HCOL vs LCOL vs MCOL area. When you live in big cities, trying to maintain your lifestyle of $47,000 a year is going to be much more difficult because your basic expenses, housing, transportation, food, and clothing are going to be much more expensive than you would find in a lower cost area.
To stretch your dollar further in the high cost of living area, you would have to probably live cheap and prioritize where you want to spend money and where you do not. Whereas, if you live in a low cost of living area, you can live a much more lavish lifestyle because the cost of living is less. Thus, you have more fun spending left in your account each month.
As we noted earlier in the post, $47,000 a year is below the average income that you would find in the United States. Thus, you have to be wise with how you spend your money.
What a $47,000 lifestyle will buy you:
If you are debt free and utilize smart money management skills, then you are able to enjoy the lifestyle you want.
Have some fun money in your budget.
You are able to rent in a decent neighborhood in LCOL and maybe a MCOL city.
You should be able to meet your expenses each and every month.
Participate in the 200 envelope challenge.
Ability to make sure that saving money is a priority, and very possibly save $3000 in 52 weeks.
When A $47,000 Salary Will Hold you Back:
However, if you are riddled with debt or unable to break the paycheck to paycheck cycle, then living off of 47k a year is going to be pretty darn difficult.
There are two factors that will keep holding you back:
You must pay off debt and cut all fun spending and extra expenses.
Break the paycheck to paycheck cycle.
It is possible to get ahead with money!
It just comes with proper money management skills and a desire to have less stress around money. That is a winning combination regardless of your income level.
$47k Salary to Hourly
We calculated how much $47,000 a year is how much an hour with 40 hours a week. But, more than likely, you work more or fewer hours per week.
So, here is a handy calculator to figure out your exact hourly salary wage.
$47K a year Budget – Example
As always, here at Money Bliss, we focus on covering our basic expenses plus saving and giving first, and then our goal is to eliminate debt. The rest of the money leftover is left for fun spending.
If you want to know how to manage 47k salary the best, then this is a prime example for you to compare your spending.
You can compare your budget to the ideal household budget percentages.
recommended budget percentages based on $47000 a year salary:
Category
Ideal Percentages
Sample Monthly Budget
Giving
10%
$274
Savings
15-25%
$705
Housing
20-30%
$1018
Utilities
4-7%
$157
Groceries
5-12%
$313
Clothing
1-4%
$24
Transportation
4-10%
$157
Medical
5-12%
$196
Life Insurance
1%
$12
Education
1-4%
$12
Personal
2-7%
$35
Recreation / Entertainment
3-8%
$88
Debts
0% – Goal
$0
Government Tax (including Income Tatumx, Social Security & Medicare)
15-25%
$926
Total Gross Monthly Income
$3917
**In this budget, prioritization was given to basic expenses and no debt.
Is $47,000 a year a Good Salary?
As we stated earlier if you are able to make $47,000 a year, that is a decent salary. You are making more money than the minimum wage and close to double in many cities.
While 47000 is a good salary starting out in your working years. It is a salary that you want to increase before your expenses go up or the people you provide for increase.
However, too many times people get stuck in the lifestyle trap of trying to keep up with the Joneses, and their lifestyle desires get out of hand compared to their salary. It is okay to be driving around a beater car while you work on increasing your salary.
This $47k salary would be considered a lower middle class salary. This salary is something that you can live on if you are wise with money.
Check: Are you in the middle class?
In fact, this income level in the United States has enough buying power to put you in the top 95 percentile globally for per person income (source).
The question you need to ask yourself with your 47k salary is:
Am I maxed at the top of my career?
Is there more income potential?
What obstacles do I face if I want to try to increase my income?
In the future years and with possible inflation, in many modest cities 47k a year will not be a good salary because the cost of living is so high, whereas these are some of the cities where you can make a comfortable living at 47,000 per year.
If you are looking for a career change, you want to find jobs paying at least $55000 a year.
Is 47k a good salary for a Single Person?
Simply put, yes.
You can stretch your salary much further because you are only worried about your own expenses. A single person will spend much less than if you need to provide for someone else.
Learn exactly what is a good salary for a single person today.
Your living expenses and ideal budget are much less. Thus, you can live extremely comfortably on $47000 per year.
And… most of us probably regret how much money wasted when we were single. Oh well, lesson learned.
Is 47k a good salary for a family?
Many of the same principles apply above on whether $47000 is a good salary. The main difference with a family, you have more people to provide for than when you are single or have just one other person in your household.
The costs of raising children are high and will steeply cut into your income. As you can tell this is a huge dent in your income, specifically $12,980 annually per child.
That means that amount of money is coming out of the income that you earned.
So, the question really remains is can you provide a good life for your family making $47,000 a year? This is the hardest part because each family has different choices, priorities, and values.
More or less, it comes down to two things:
The location where you live in.
Your lifestyle choices.
You can live comfortably as a family on this salary, but you will not be able to afford everything.
Many times when raising a family, it is helpful to have a dual-income household. That way you are able to provide the necessary expenses if both parties were making 47000 per year, then the combined income for the household would be $94,000. Thus making your combined salary a very good income.
Learn how much money a family of 4 needs in each state.
Can you Live on $47000 Per Year?
As we outlined earlier in the post, $47,000 a year:
$22.60 Per Hour
$180-226 Per Day (depending on length of day worked)
$904 Per Week
$1808 Per Biweekly
$3916 Per Month
Next up is making $50000 a year.
Like anything else in life, you get to decide how to spend, save and give your money.
That is the difference for each person on whether or not you can live a middle-class lifestyle depends on many potential factors. If you live in California or New Jersey you are gonna have a tougher time than in Oklahoma or even Texas.
In addition, if you are early in your career, starting out around 38,000 a year, that is a great place to be getting your career. However, if you have been in your career for over 20 years and still making $47k, then you probably need to look at asking for pay increases, pick up a second job, or find a different career path.
Regardless of the wage that you make, if you are not able to live the lifestyle that you want, then you have to find ways to make it work for you. Everybody has choices to make.
But one of the things that can help you the most is to create a biweekly budget to make sure you stay on track.
Learn exactly how much do I make per year…
One of the best ways to improve your personal finance situation is to increase your income. Here are a variety of side hustles that are very lucrative. With time and effort, you can start enjoying the lifestyle you want.
As an Amazon Associate and member of other affiliate programs, I earn from qualifying purchases.
Learn how to supplement your daily, weekly, or monthly income with trading so that you can live your best life! This is a lifestyle trading style you need to learn.
Honestly, this course is a must for anyone who invests. You will lose more in the market than you will spend this quality education – guaranteed.
Read my Invest with Teri Review.
If you’ve ever wanted to make a full-time income while working from home, you’re in the right place!
This intensive training combines thousands of hours of research, years of experience in growing a virtual assistant business, and the power of a coach who has helped thousands of students launch and grow their own business from scratch.
Learn how to buy and resell items from flea markets, thrift stores and yard sales. They will teach you how to create a profitable reselling business quickly
…no matter how much or how little experience you have.
Our friends Cody & Julie of Gold City Ventures are experts at creating five figures of passive income selling printables. Learn how to create your online printables business from scratch with our programs and templates.
Are you passionate about words and reading? If so, proofreading could be a perfect fit for you, just like it’s been for me! I’m excited to share how you can create a freelance business as a proofreader, just like I did.
The ultimate discounted bundle of my 4 best-selling courses and WordPress theme on how to build and grow a profitable blog.
Learn the best SEO practices and how to monetize your blog quickly!
Designed as a 101-level course on freight brokerage, you’ll learn the basics of freight brokering in this online course.
This course is designed for freight brokers in any setting, regardless of their employment status.
If you want to start your brokerage, we’ll show you exactly how to do it. If you are an agent or employee of a brokerage, we’ll take you through sales and operations modules designed to help you source more leads and move more freight.
You can make money as a freelance writer. Learn techniques to find those jobs and earn the kind of money you deserve! Plus get tips to land your first freelance writing gig!
This is the perfect side hustle if you don’t have much time, experience, or money.
Many earn over $10,000 in a year selling printables on Etsy. Learn how to get started by watching this free workshop.
The Empowered Business Lab teaches you how to sell your digital products naturally with strategies that just make sense.
Monica helped me find my momentum and my want to pursue my business again.
After taking a second job as a driver for Amazon to make ends meet, this former teacher pivoted to be a successful stock trader.
Leaving behind the stress of teaching, now he sets his own schedule and makes more money than he ever imagined. He grew his account from $500 to $38000 in 8 months.
Check out this interview.
Know someone else that needs this, too? Then, please share!!
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
38k salary is a solid hourly wage; above most minimum hourly wage jobs.
For most people, an entry-level job would be paying just over $38,000 a year. The question that remains is can you make a living off $38k a year.
The median household income is $67,521 in 2020 which decreased by 2.9% from the previous year (source). Think of it as a bell curve with $68K at the top; the median means half of the population makes less than that and half makes more money.
The average income in the U.S. is $48,672 for a 40-hour workweek; that is an increase of 4% from the previous year (source). That means if you take everyone’s income and divided the money out evenly between all of the people.
But, the question remains can you truly live off 38,000 per year in today’s society since it is well below both the average and median household incomes. The question you want to ask all of your friends is $38000 per year a good salary.
In this post, we are going to dive into everything that you need to know about a $38000 salary including hourly pay and a sample budget on how to spend and save your money.
These key facts will help you with money management and learn how much per hour $38k is as well as what you make per month, weekly, and biweekly.
Just like with any paycheck, it seems like money quickly goes out of your account to cover all of your bills and expenses, and you are left with a very small amount remaining. You may be disappointed that you were not able to reach your financial goals and you are left wondering…
Can I make a living on this salary?
$38000 a year is How Much an Hour?
When jumping from an hourly job to a salary for the first time, it is helpful to know how much is 38k a year hourly. That way you can decide whether or not the job is worthwhile for you.
38000 salary / 2080 hours = $18.27 per hour
$38000 a year is $18.27 per hour
Let’s breakdown how that 38000 salary to hourly number is calculated
For our calculations to figure out how much is 38K salary hourly, we used the average five working days of 40 hours a week.
Typically, the average workweek is 40 hours and you can work 52 weeks a year. Take 40 hours times 52 weeks and that equals 2,080 working hours. Then, divide the yearly salary of $38000 by 2,080 working hours and the result is $18.27 per hour.
Just above $18 an hour.
That number is the gross hourly income before taxes, insurance, 401K, or anything else is taken out. Net income is how much you deposit into your bank account.
You must check with your employer on how they plan to pay you. For those on salary, typically companies pay on a monthly, semi-monthly, biweekly, or weekly basis.
What If I Increased My Salary?
Just an interesting note… if you were to increase your annual salary by $5K to $43K per year, it would increase your hourly wage to over $20 an hour – a difference of $2.40 per hour.
To break it down – 43k a year is how much an hour = $20.67
That difference will help you fund your savings account; just remember every dollar adds up.
How Much is $38K salary Per Month?
On average, the monthly amount would be $3,167.
Annual Salary of $38000 ÷ 12 months = $3167 per month
This is how much you make a month if you get paid 38000 a year.
$38k a year is how much a week?
This is a great number to know! How much do I make each week? When I roll out of bed and do my job of $38k salary a year, how much can I expect to make at the end of the week for my effort?
Once again, the assumption is 40 hours worked.
Annual Salary of$38000/52 weeks = $730 per week.
$38000 a year is how much biweekly?
For this calculation, take the average weekly pay of $730 and double it.
This depends on how many hours you work in a day. For this example, we are going to use an eight-hour workday.
8 hours x 52 weeks = 260 working days
Annual Salary of$38000 / 260 working days = $146 per day
If you work a 10 hour day on 208 days throughout the year, you make $182 per day.
$38000 Salary is…
$38000 – Full Time
Total Income
Yearly Salary (52 weeks)
$38,000
Monthly Salary
$3,166
Weekly Wage (40 Hours)
$730
Bi-Weekly Wage (80 Hours)
$1,461
Daily Wage (8 Hours)
$146
Daily Wage (10 Hours)
$168
Hourly Wage
$18.27
Net Estimated Monthly Income
$2,418
Net Estimated Hourly Income
$13.95
**These are assumptions based on simple scenarios.
38k a year is how much an hour after taxes
Income taxes is one of the biggest culprits of reducing your take-home pay as well as FICA and Social Security. This is a true fact across the board with an all salary range up to $142,800.
When you make below the average household income, the amount of taxes taken out hurts your hourly wage.
Every single tax situation is different.
On the basic level, let’s assume a 12% federal tax rate and a 4% state rate. Plus a percentage is taken out for Social Security and Medicare (FICA) of 7.65%.
So, how much an hour is 38000 a year after taxes?
Gross Annual Salary: $38,000
Federal Taxes of 12%: $4,560
State Taxes of 4%: $1,520
Social Security and Medicare of 7.65%: $2,907
$38k Per Year After Taxes is $29,013
This would be your net annual salary after taxes.
To turn that back into an hourly wage, the assumption is working 2,080 hours.
$29013 ÷ 2,080 hours = $13.95 per hour
After estimated taxes and FICA, you are netting $29,013 per year, which is $8,987 per year less than what you expect.
***This is a very high-level example and can vary greatly depending on your personal situation and potential deductions. Therefore, here is a great tool to help you figure out how much your net paycheck would be.***
Taxes Based On Your State
In addition, if you live in a heavily taxed state like California or New York, then you have to pay way more money than somebody that lives in a no tax state like Texas or Florida. This is the debate of HCOL vs LCOL.
Thus, your yearly gross $38000 income can range from $25,973 to $30,533 depending on your state income taxes.
That is why it is important to realize the impact income taxes can have on your take home pay. It is one of those things that you should acknowledge and obviously you need to pay taxes. But, it can also put a huge dent in your ability to live the lifestyle you want on a $38,000 income.
How Much Is 38K A Year Hourly Salary Calculator
More than likely, your salary is not a flat 38k, here is a tool to convert salary to hourly calculator.
Many entry level jobs start at this range, which may make you believe that a business degree is worth it.
38k salary lifestyle
Every person reading this post has a different upbringing and a different belief system about money. Therefore, what would be a lavish lifestyle to one person, maybe a frugal lifestyle to another person. And there’s no wrong or right, it is what works best for you.
One of the biggest factors to consider is your cost of living.
In another post, we detailed the differences of living in an HCOL vs LCOL vs MCOL area. When you live in big cities, trying to maintain your lifestyle of $38,000 a year is going to be extremely difficult because your basic expenses, housing, transportation, food, and clothing are going to be much more expensive than you would find in a lower cost area.
To stretch your dollar further in the high cost of living area, you would have to probably live a very frugal lifestyle and prioritize where you want to spend money and where you do not. Whereas, if you live in a low cost of living area, you can afford the cost of living and maybe save more money. Thus, you have more fun spending left in your account each month.
As we noted earlier in the post, $38,000 a year is well below the average income that you would find in the United States. Thus, you have to be wise with how you spend your money.
What a $38,000 lifestyle will buy you:
If you are debt free and utilize smart money management skills, then you are able to enjoy the lifestyle you want.
You are able to rent in a decent neighborhood in LCOL.
Driving a beater car is normal.
You should be able to meet your basic expenses each and every month.
Not be able to afford many of the fun spending luxuries.
Participate in the 200 envelope challenge.
When A $38,000 Salary Will Hold you Back:
However, if you are riddled with debt or unable to break the paycheck to paycheck cycle, then living off of 38k a year is going to be pretty darn difficult.
There are two factors that will keep holding you back:
You must pay off debt and cut all fun spending and extra expenses.
Break the paycheck to paycheck cycle.
It is possible to get ahead with money!
It just comes with proper money management skills and a desire to have less stress around money. That is a winning combination regardless of your income level.
$38K a year Budget – Example
As always, here at Money Bliss, we focus on covering our basic expenses plus saving and giving first, and then our goal is to eliminate debt. The rest of the money leftover is left for fun spending.
This is how zero based budgeting works.
If you want to know how to manage 38k salary the best, then this is a prime example for you to compare your spending.
You can compare your budget to the ideal household budget percentages.
recommended budget percentages based on $38000 a year salary:
Category
Ideal Percentages
Sample Monthly Budget
Giving
10%
$158
Savings
15-25%
$570
Housing
20-30%
$887
Utilities
4-7%
$127
Groceries
5-12%
$253
Clothing
1-4%
$19
Transportation
4-10%
$127
Medical
5-12%
$158
Life Insurance
1%
$10
Education
1-4%
$10
Personal
2-7%
$29
Recreation / Entertainment
3-8%
$71
Debts
0% – Goal
$0
Government Tax (including Income Tatumx, Social Security & Medicare)
15-25%
$749
Total Gross Monthly Income
$3,167
**In this budget, prioritization was given to basic expenses and no debt.
Is $38,000 a year a Good Salary?
As we stated earlier if you are able to make $38,000 a year, that is a low salary. You are making around or just above minimum wage.
While 38000 is a decent salary just starting out in your working years, it is a salary that you want to rapidly increase before your expenses go up or the people you provide for increase. If not, you will be left working multiple jobs to make ends meet.
However, too many times people get stuck in the lifestyle trap of trying to keep up with the Joneses, and their lifestyle desires get out of hand compared to their salary. And what they thought used to be a great salary actually is not making ends meet at this time.
This $38k salary would be considered a lower class salary. You must make each dollar count in your budget.
Check: Are you in the middle class?
In fact, this income level in the United States has enough buying power to put you in the top 95 percentile globally for per person income (source).
The question you need to ask yourself with your 38k salary is:
Am I maxed at the top of my career?
Is there more income potential?
What obstacles do I face if I want to try to increase my income?
In the future years and with possible inflation, in many modest cities a 38,000 a year is not a good salary because the cost of living is so high, whereas these are some of the cities where you can make a decent living at 38,000 per year.
If you are looking for a career change, you want to find jobs paying at least $50000 a year.
Is 38k a good salary for a Single Person?
Simply put, you can make it work.
You can stretch your salary much further because you are only worried about your own expenses. A single person will spend much less than if you need to provide for someone else.
Your living expenses and ideal budget are much less. Thus, you can live comfortably on $38000 per year.
And… most of us probably regret how much money wasted when we were single. Oh well, lesson learned.
Is 38k a good salary for a family?
Many of the same principles apply above on whether $38000 is a good salary. The main difference with a family, you have more people to provide for than when you are single or have just one other person in your household.
At the 38K salary with a family, you would need more than one income stream to make this possible without government help.
The costs of raising children are high and will steeply cut into your income. As you can tell this is a huge dent in your income, specifically $12,980 annually per child.
That means that amount of money is coming out of the income that you earned.
So, the question really remains is can you provide a good life for your family making $38,000 a year? This is the hardest part because each family has different choices, priorities, and values.
More or less, it comes down to two things:
The location where you live in.
Desire to improve your career and make more money.
Your lifestyle choices.
You will not be able to afford everything on this salary.
Many times when raising a family, it is helpful to have a dual-income household. That way you are able to provide the necessary expenses if both parties were making 38,000 per year, then the combined income for the household would be $76,000. Thus making your combined salary a very good income.
Learn how much money a family of 4 needs in each state.
Can you Live on 38000 Per Year?
As we outlined earlier in the post, $38,000 a year:
$18.27 Per Hour
$146-182 Per Day (depending on length of day worked)
$730 Per Week
$1,461 Per Biweekly
$3,166 Per Month
Next up is making $40,000 a year.
Like anything else in life, you get to decide how to spend, save and give your money.
That is the difference for each person on whether or not you can live a lower-class lifestyle depends on many potential factors. If you live in Washington or New Jersey you are gonna have a tougher time than in Florida or even Texas.
In addition, if you are early in your career, starting out around 32,000 a year, that is a okay place to be getting your career. However, if you have been in your career for over 20 years and still making $38K, then you probably need to look at asking for pay increases, pick up a second job, or find a different career path.
Regardless of the wage that you make, if you are not able to live the lifestyle that you want, then you have to find ways to make it work for you. Everybody has choices to make.
But one of the things that can help you the most is to stick to our ideal household budget percentages to make sure you stay on track.
Learn exactly how much do I make per year…
One of the best ways to improve your personal finance situation is to increase your income. Here are a variety of side hustles that are very lucrative. With time and effort, you can start enjoying the lifestyle you want.
As an Amazon Associate and member of other affiliate programs, I earn from qualifying purchases.
Learn how to supplement your daily, weekly, or monthly income with trading so that you can live your best life! This is a lifestyle trading style you need to learn.
Honestly, this course is a must for anyone who invests. You will lose more in the market than you will spend this quality education – guaranteed.
Read my Invest with Teri Review.
If you’ve ever wanted to make a full-time income while working from home, you’re in the right place!
This intensive training combines thousands of hours of research, years of experience in growing a virtual assistant business, and the power of a coach who has helped thousands of students launch and grow their own business from scratch.
Learn how to buy and resell items from flea markets, thrift stores and yard sales. They will teach you how to create a profitable reselling business quickly
…no matter how much or how little experience you have.
Our friends Cody & Julie of Gold City Ventures are experts at creating five figures of passive income selling printables. Learn how to create your online printables business from scratch with our programs and templates.
Are you passionate about words and reading? If so, proofreading could be a perfect fit for you, just like it’s been for me! I’m excited to share how you can create a freelance business as a proofreader, just like I did.
The ultimate discounted bundle of my 4 best-selling courses and WordPress theme on how to build and grow a profitable blog.
Learn the best SEO practices and how to monetize your blog quickly!
Designed as a 101-level course on freight brokerage, you’ll learn the basics of freight brokering in this online course.
This course is designed for freight brokers in any setting, regardless of their employment status.
If you want to start your brokerage, we’ll show you exactly how to do it. If you are an agent or employee of a brokerage, we’ll take you through sales and operations modules designed to help you source more leads and move more freight.
You can make money as a freelance writer. Learn techniques to find those jobs and earn the kind of money you deserve! Plus get tips to land your first freelance writing gig!
This is the perfect side hustle if you don’t have much time, experience, or money.
Many earn over $10,000 in a year selling printables on Etsy. Learn how to get started by watching this free workshop.
The Empowered Business Lab teaches you how to sell your digital products naturally with strategies that just make sense.
Monica helped me find my momentum and my want to pursue my business again.
After taking a second job as a driver for Amazon to make ends meet, this former teacher pivoted to be a successful stock trader.
Leaving behind the stress of teaching, now he sets his own schedule and makes more money than he ever imagined. He grew his account from $500 to $38000 in 8 months.
Check out this interview.
Know someone else that needs this, too? Then, please share!!
2021 VA Home Loan Limit: $0 down payment up to $5,000,000* (subject to lender limits) /2 open VA loans at one time $548,250 (Call 877-432-5626 for details).
How to Apply for a VA Home Loan?
This is a quick look at how to apply for a VA home loan in Merced county. For a more detailed overview of the VA home loan process, check out our complete guide on how to apply for a VA mortgage loan. Here, we’ll go over the general steps to getting a VA home loan and point out some things to pay attention to in Merced County. If you have any questions, you can call us at VA HLC and we’ll help you get started.
Get your Certificate of Eligibility (COE)
Give us a call at (877) 432-5626 and we’ll get your COE for you.
Are you applying for a refinance loan? Check out our complete guide to VA Refinancing.
Get pre-approved, to get pre-approved for a loan, you’ll need:
Previous two years of W2s
Most recent 30 days paystubs or LES (active duty)
Most recent 60 days bank statements
Landlord and HR/Payroll Department contact info
Find a home
We can help you check whether the home is in one of the Merced County flood zones
Get the necessary inspections
Termite inspection: required
Well or septic inspections needed, if applicable
Get the home appraised
We can help you find a VA-Certified appraiser in Merced County and schedule the process
Construction loan note: Construction permit/appraisal info
Building permit
Elevation certificate
Lock in your interest rates
Pro tip: Wait until the appraisal lock in your loan rates. If it turns out you need to make repairs, it can push your closing back. Then you can get stuck paying rate extension fees.
Close the deal and get packing!
You’re ready to go.
What is the Median Home Price?
As of March 31, 2021, the median home value for Merced County is $326,192. In addition, the median household income for residents of the county is $53,672.
How much are the VA Appraisal Fees?
Single-Family: $600.
Individual Condo: $600.
Manufactured Homes: $600.
2-4 Unit Multi-Family: $850.
Appraisal Turnaround Times: 7 days.
Do I need Flood Insurance?
The VA requires properties are required to have flood insurance if they are in a Special Flood Hazard Area.
In Merced County, there are many flood plains, especially in the low-lying areas. Your agent can help you to check whether a property will require flood insurance.
How do I learn about Property Taxes?
For questions about property tax, you can get in touch with Merced County Assessor Barbara Levey. Her office is located at 2222 M. St. Merced, CA 95340 or by calling (209) 385-7434.
Veterans, owner-occupiers, and senior citizens may be eligible for property tax relief. You can find out whether you qualify through the county assessor. In addition, the Assessor’s Office can do re-appraisals to determine property values and flood risks.
What is the Population?
The county’s population of 277,680 is, 61% Hispanic, 26% White, and 7% Asian.
Most county residents are between 18 and 65 years old, with 29% under 18 years old and 11% older than 65.
In total, the county has about 79,606 households, with an average of three people per household.
What are the major cities?
There is a total of six cities in the county including the city of Merced which also served as the county seat. In addition, the five other cities in the county are Atwater, Dos Palos, Gustine, Livingston, and Los Banos.
About Merced County
Merced County, California is located right in the heart of California’s San Joaquin Valley. This region is known as the breadbasket of the US because of its agricultural production. In addition, while Merced is away from the bustle of California’s biggest cities, the I-5 runs through the county and connects it to the rest of the state.
The City of Merced is the county’s cultural and economic hub. In addition to its connection to California’s primary highway system, it is also home to a major train station. The downtown area has plenty of exciting restaurants, shops, and nightlife.
The county is also home to plenty of green space. There are two national wildlife preserves along the river, where you can hike or bike along miles of trails. Plus, the City of Plenada, on the county’s eastern edge, contains one of the entrances to Yosemite National Park. Residents don’t just enjoy the park’s natural beauty but the droves of tourists it brings to the region each year.
Veteran Information
The county is currently home to 9,662 veterans.
Merced County is home to four VFW post:
Post 4327 Robert M Kelley – 939 W. Main St. Merced, CA 95340.
Post 8327 Livingston – 1605 7th Street, Livingston, CA 95334.
Post-2487 Lieut. Laurence F. Muth – 615 E Street, Los Banos, CA 93635.
Post 7635 Joseph G. Rose – 145 5th Street, Gustine, CA 95322.
VA Medical Centers in the county:
Merced VA Clinic – 340 East Yosemite Avenue, Suite D, Merced, CA 95340.
County Veteran Assistance Information
Merced County Veteran Services – 3376 N State Hwy 59, Merced, CA 95348.
VA Home Loan Information
For more information about VA Home Loans and how to apply, click here.
If you meet the VA’s eligibility requirements, you will be able to enjoy some of the best government-guaranteed home loans available.
VA loans can finance the construction of a property. However, the property must be owned and prepared for construction as the VA cannot ensure vacant land loans.
VA Approved Condos
Name (ID): VILLA DEL SOL (C01070) Address: NONE MERCED CA 95348-0000 MERCED Status: Accepted Without Conditions Request Received Date: 11/16/1986 Review Completion Date: 11/16/1986
2021 VA Home Loan Limit: $0 down payment up to $5,000,000* (subject to lender limits) /2 open VA loans at one time $548,250 (Call 877-432-5626 for details).
How to Apply for a VA Home Loan?
This is a quick look at how to apply for a VA home loan in Lawrence County. For a more detailed overview of the VA home loan process, check out our complete guide on how to apply for a VA mortgage loan. Here, we’ll go over the general steps to getting a VA home loan and point out some things to pay attention to in Lawrence County. If you have any questions, you can call us at VA HLC and we’ll help you get started.
Get your Certificate of Eligibility (COE)
Give us a call at (877) 432-5626 and we’ll get your COE for you.
Are you applying for a refinance loan? Check out our complete guide to VA Refinancing.
Get pre-approved, to get pre-approved for a loan, you’ll need:
Previous two years of W2s
Most recent 30 days paystubs or LES (active duty)
Most recent 60 days bank statements
Landlord and HR/Payroll Department contact info
Find a home
We can help you check whether the home is in one of the Lawrence County flood zones
Get the necessary inspections
Termite inspection: required
Well or septic inspections needed, if applicable
Get the home appraised
We can help you find a VA-Certified appraiser in Lawrence County and schedule the process
Construction loan note: Construction permit/appraisal info
Building permit
Elevation certificate
Lock in your interest rates
Pro tip: Wait until the appraisal lock in your loan rates. If it turns out you need to make repairs, it can push your closing back. Then you can get stuck paying rate extension fees.
Close the deal and get packing!
You’re ready to go.
What is the Median Home Price?
As of February 28, 2021, the median home value for Lawrence County is $69,091. In addition, the median household income for residents of the county is $39,993.
How much are the VA Appraisal Fees?
Single-Family: $500.
Individual Condo: $500.
Manufactured Homes: $550.
2-4 Unit Multi-Family: $550.
Appraisal Turnaround Times: 10 days.
Do I need Flood Insurance?
The VA requires properties are required to have flood insurance if they are in a Special Flood Hazard Area.
There are some minimal flood hazard areas in Lawrence County, particularly by Lake Charles, Black River, and its attached streams such as Flat Creek.
How do I learn about Property Taxes?
Becky Holder is the Lawrence County tax assessor. Her office can be reached at 315 West Main St. Walnut Ridge, Arkansas, 72476. Additionally, Becky’s office can also be reached by calling 870-886-1135.
As a homeowner, Amendment 79 and Act 142 provide that tax relief to make them eligible to receive up to $350.00 tax credit on the property that is their principal residence. Also, homeowners who are 65 years of age or older or 100% disabled may receive a freeze on their assessed value, so their taxes do not increase over the years. Mobile homeowners are also eligible.
What is the Population?
The county’s population of 16,406 is 95% White, 2% Hispanic, and 1% Black.
Most county residents are between 18 and 65 years old, with 22% under 18 years old and 19% older than 65.
In total, the county has about 6,463 households, with an average of 2.4 people per household.
What are the major cities?
The county has at least 5 large cities and communities, including Walnut Ridge, which serves as the county seat. Some other cities and towns making up this county are Imboden, Hoxie, Black Rock, and Ravenden.
About Lawrence County
Lawrence County, Arkansas farmers produce mostly corn, rice, sorghum, and soybeans. Additionally, other industries contribute to the county’s economy, such as manufacturing, poultry, and cattle.
Regarding education, more than 3,000 students benefit from the academic programs provided in its 10 public schools. Besides, higher education can be achieved at the historic Williams Baptist University, which is now famous for its liberal arts program.
The wide variety of rivers and lakes found in Lawrence County offer excellent outdoor opportunities for entertainment such as kayaking, rafting, and canoeing. Furthermore, in Lake Charles State Park, locals and visitors enjoy fishing, camping, and hiking.
Furthermore, the county offers many historical landmarks to visit, so tourists can benefit from its rich history and culture. Also, one of the most famous and visited annual festivals is the Lawrence County Fair, featuring rodeos, shows, exhibitions, and much more.
Veteran Information
Lawrence County has a veteran population of 1,082.
County Veteran Assistance Information
Lawrence Veteran’s Services Office – 315 West Main Street STE 1, Walnut Ridge, Arkansas 72476.
VA Home Loan Information
For more information about VA Home Loans and how to apply, click here.
If you meet the VA’s eligibility requirements, you will be able to enjoy some of the best government-guaranteed home loans available.
VA loans can finance the construction of a property. However, the property must be owned and prepared for construction as the VA cannot ensure vacant land loans.
VA Approved Condos
There are no VA-approved condos available in Lawrence County Arkansas. For more information about the VA condo approval process give us a call at (888)573-4496.
2021 VA Home Loan Limit: $0 down payment up to $5,000,000* (subject to lender limits) /2 open VA loans at one time $816,500 (Call 877-432-5626 for details).
How to Apply for a VA Home Loan?
This is a quick look at how to apply for a VA home loan in Napa county. For a more detailed overview of the VA home loan process, check out our complete guide on how to apply for a VA house loan. Here, we’ll go over the general steps to getting a VA home loan and point out some things to pay attention to in Napa County. If you have any questions, you can call us at VA HLC and we’ll help you get started.
Get your Certificate of Eligibility (COE)
Give us a call at (877) 432-5626 and we’ll get your COE for you.
Are you applying for a refinance loan? Check out our complete guide to VA Refinancing.
Get pre-approved, to get pre-approved for a loan, you’ll need:
Previous two years of W2s
Most recent 30 days paystubs or LES (active duty)
Most recent 60 days bank statements
Landlord and HR/Payroll Department contact info
Find a home
We can help you check whether the home is in one of the Napa County flood zones
Get the necessary inspections
Termite inspection: required
Well or septic inspections needed, if applicable
Get the home appraised
We can help you find a VA-Certified appraiser in Napa County and schedule the process
Construction loan note: Construction permit/appraisal info
Building permit
Elevation certificate
Lock in your interest rates
Pro tip: Wait until the appraisal lock in your loan rates. If it turns out you need to make repairs, it can push your closing back. Then you can get stuck paying rate extension fees.
Close the deal and get packing!
You’re ready to go.
What is the Median Home Price?
As of March 31, 2021, the median home value for Napa County is $786,853. In addition, the median household income for residents of the county is $88,596.
How much are the VA Appraisal Fees?
Single-Family: $600.
Individual Condo: $600.
Manufactured Homes: $600.
2-4 Unit Multi-Family: $850.
Appraisal Turnaround Times: 7 days.
Do I need Flood Insurance?
The VA requires properties are required to have flood insurance if they are in a Special Flood Hazard Area.
In Napa County, there are many flood plains, both in the City of Napa and in the unincorporated areas. Also, FEMA recommends people purchase flood insurance on lands that were previously damaged in wildfires.
How do I learn about Property Taxes?
For questions about property tax, you can get in touch with the Napa County Assessor, John Tuteur. His office is at 1127 First Street Suite A Napa, CA 94559 and can be called at (707) 253-4466.
Veterans, owner-occupiers, and senior citizens may be eligible for property tax relief. You can find out whether you qualify through the county assessor. In addition, the Assessor’s Office can do re-appraisals to determine property values and flood risks.
What is the Population?
The county’s population of 137,744 is 51% White, 34% Hispanic, and 8% Asian.
Most county residents are between 18 and 65 years old, with 20% under 18 years old and 19% older than 65.
In total, the county has about 49,032 households, with an average of two people per household.
What are the major cities?
The City of Napa is the largest city, with a population of 76,915. It is also the county seat. The next-largest city is American Canyon, with a population of 19,454. All of the other cities have fewer than 6,000 residents. Some of the notable small towns in Napa County are Calistoga, St. Helena, and Deer Park.
About Napa County
Welcome to Wine Country! Napa County the premier grape growing and wine-producing region in the country. Known for its rich soil, Napa County has a long tradition of farming, in addition to its world-famous vineyards. Plus, the cities of Napa and Calistoga are known for their amazing restaurant scene. Outside of the main cities, residents appreciate the clear views of the county’s rolling hills and big, blue skies.
In addition to centuries of local knowledge, the county works to stay on the cutting edge of agricultural technologies. The University of California Cooperative Extension helps the general public to stay up to date on the newest developments in farming and growing.
Also, the local schools provide education from kindergarten through community college. Plus, the nearby Sonoma State University and University of California schools offer four-year degrees without having to travel far from home.
Veteran Information
Napa County is currently home to 7,741 veterans.
County Veteran Assistance Information
Napa County Veterans Services – 650 Imperial Way, 2nd Floor, Napa, CA 94559.
VA Home Loan Information
For more information about VA Home Loans and how to apply, click here.
If you meet the VA’s eligibility requirements, you will be able to enjoy some of the best government-guaranteed home loans available.
VA loans can finance the construction of a property. However, the property must be owned and prepared for construction as the VA cannot ensure vacant land loans.
VA Approved Condos
Name (ID): REDWOOD GARDENS #1,2 & 3 (C00436) Address: (UNITS #1 THRU #98) NAPA CA 94558-0000 NAPA Status: Accepted Without Conditions Request Received Date: 10/09/2010 Review Completion Date: 10/09/2010
2021 VA Home Loan Limit: $0 down up to $5,000,000* (Subject to lender limits) /2 open VA loans at one time $548,250* (Call 888-573-4496 for details).
How to Apply for a VA Home Loan?
This is a quick look at how to apply for a VA home loan in Plumas County. For a more detailed overview of the VA home loan process, check out our complete guide on how to apply for a VA home loan. Here, we’ll go over the general steps to getting a VA home loan and point out some things to pay attention to in Plumas County. If you have any questions, you can call us at VA HLC and we’ll help you get started.
Get your Certificate of Eligibility (COE)
Give us a call at (877) 432-5626 and we’ll get your COE for you.
Are you applying for a refinance loan? Check out our complete guide to VA Refinancing.
Get pre-approved, to get pre-approved for a loan, you’ll need:
Previous two years of W2s
Most recent 30 days paystubs or LES (active duty)
Most recent 60 days bank statements
Landlord and HR/Payroll Department contact info
Find a home
We can help you check whether the home is in one of the Plumas County flood zones
Get the necessary inspections
Termite inspection: required
Well or septic inspections needed, if applicable
Get the home appraised
We can help you find a VA-Certified appraiser in Plumas County and schedule the process
Construction loan note: Construction permit/appraisal info
Building permit
Elevation certificate
Lock in your interest rates
Wait until the appraisal lock in your loan rates. If it turns out you need to make repairs, it can push your closing back. Then you can get stuck paying rate extension fees.
Close the deal and get packing!
You’re ready to go.
What is the Median Home Price?
As of March 31st, 2021, the median home value for Plumas County is $294,510. In addition, the median household income for residents of the county is $55,359.
How much are the VA Appraisal Fees?
Single-Family: $600.
Individual Condo: $600.
Manufactured Homes: $600.
2-4 Unit Multi-Family: $850.
Appraisal Turnaround Times: 7 days.
Do I need Flood Insurance?
The VA requires properties are required to have flood insurance if they are in a Special Flood Hazard Area.
In Plumas County, rivers like the Middle Fork Feather River and Wolf Creek have flood hazard areas around them. However, the city of Quincy can see significant flooding around Spanish Creek which crosses through the north.
How do I learn about Property Taxes?
Charles W. Leonhardt is the Plumas county tax assessor. His office can be reached at 1 Crescent Street Quincy, California 95971. In addition, his office can also be reached by calling (530) 283-6380.
The state of California offers incentive programs that expand statewide for new, growing, and relocating businesses. Two of these programs are the California Competes Tax Credit which offers qualifying businesses with a tax credit, and the New employment Credit which offers a tax credit for taxpayers who hire full-time employees. Furthermore, the state offers several other programs to further diversify the state’s economy.
What is the Population?
The county’s population of 18,807 is 83% White, 9% Hispanic, and 3% American Indian.
Most county residents are between 18 and 65 years old, with 17% under 18 years old and 28% older than 65.
In total, the county has about 8,047 households, with an average of two people per household.
What are the major cities?
The county has one city and 46 census-designated places, including Quincy, which serves as the county seat.
About Plumas County
Plumas County is full of beautiful streams, rivers, and forests covering about 70% of the county. However, the most significant employment industries in the county are health care, retail trade, and construction. Hence the most common types of employment are administrative support, food preparation, and construction.
In addition to its existing industries, the county is also taking an active role in helping small businesses within the county grow. The county has a partnership with the U.S. Small Business Administration, which provides free business counseling, SBA guaranteed business loans, home & business disaster loans, and federal government contracting.
When it comes to education, the county is home to the Plumas Unified School District, which has eleven schools that serve about 2,147 students annually. In addition, higher education opportunities are also available in the county with the Feather River Community College District, which offers 4-year degree bachelor programs.
Finally, the county is also a perfect place for people who enjoy the outdoors, with places like Bald Eagle Mountain, Dixie Mountain, and Lake Almanor. Furthermore, both visitors and residents can enjoy the county’s many trails, camping grounds, and water-based recreational activities for the whole family to enjoy.
Veteran Information
The county is currently home to 1,852 veterans.
Plumas County is home to one VFW post:
Post 3825 Kenneth M. Hayes – 292 Lawrence Street, Quincy, CA 95971.
County Veteran Assistance Info.
Plumas County Veterans Services Office – 270 County Hospital Road, Suite 206, Quincy, CA 95971.
Apply for a VA Home Loan
For more information about VA Home Loans and how to apply, click here.
If you meet the VA’s eligibility requirements, you will be able to enjoy some of the best government-guaranteed home loans available.
VA loans can finance the construction of a property. However, the property must be owned and prepared for construction as the VA cannot ensure vacant land loans.
VA Approved Condos
There are no VA-approved condos available in Plumas County. Although if you’re still interested in getting a condo through the approval process, call us at (877) 432-5626.
2021 VA Home Loan Limit: $0 down payment up to $5,000,000* (subject to lender limits) /2 open VA loans at one time $548,250 (Call 877-432-5626 for details).
How to Apply for a VA Home Loan?
This is a quick look at how to apply for a VA home loan in Mono county. For a more detailed overview of the VA home loan process, check out our complete guide on how to apply for a VA home loan. Here, we’ll go over the general steps to getting a VA home loan and point out some things to pay attention to in Mono County. If you have any questions, you can call us at VA HLC and we’ll help you get started.
Get your Certificate of Eligibility (COE)
Give us a call at (877) 432-5626 and we’ll get your COE for you.
Are you applying for a refinance loan? Check out our complete guide to VA Refinancing.
Get pre-approved, to get pre-approved for a loan, you’ll need:
Previous two years of W2s
Most recent 30 days paystubs or LES (active duty)
Most recent 60 days bank statements
Landlord and HR/Payroll Department contact info
Find a home
We can help you check whether the home is in one of the Mono County flood zones
Get the necessary inspections
Termite inspection: required
Well or septic inspections needed, if applicable
Get the home appraised
We can help you find a VA-Certified appraiser in Mono County and schedule the process
Construction loan note: Construction permit/appraisal info
Building permit
Elevation certificate
Lock in your interest rates
Pro tip: Wait until the appraisal lock in your loan rates. If it turns out you need to make repairs, it can push your closing back. Then you can get stuck paying rate extension fees.
Close the deal and get packing!
You’re ready to go.
What is the Median Home Price?
As of March 31, 2021, the median home value for Mono County is $494,554. In addition, the median household income for residents of the county is $62,260, which is higher than the national average.
How much are the VA Appraisal Fees?
Single-Family: $600.
Individual Condo: $600.
Manufactured Homes: $600.
2-4 Unit Multi-Family: $850.
Appraisal Turnaround Times: 7 days.
Do I need Flood Insurance?
The VA requires properties are required to have flood insurance if they are in a Special Flood Hazard Area.
In Mono County, there are many flood plains, especially along the rivers. Your agent can help you to check whether a property will require flood insurance.
How do I learn about Property Taxes?
For questions about property tax, you can get in touch with the Mono County Assessor, Barry Beck. His office is reachable at 25 Bryant Street, 2nd Floor, Bridgeport CA 93517 and by calling (760) 932-5510.
Veterans, owner-occupiers, and senior citizens may be eligible for property tax relief. You can find out whether you qualify through the county assessor. In addition, the Assessor’s Office can do re-appraisals to determine property values and flood risks.
What is the Population?
The county’s population of 14,444 is 65% White, 26% Hispanic, and 3% Two or more races.
Most county residents are between 18 and 65 years old, with 17% under 18 years old and 16% older than 65.
In total, the county has about 4,847 households, with an average of two people per household.
What are the major cities?
There are no incorporated cities in Mono county, but Mammoth Lakes is a town with a population of over 8,000. The county seat, Bridgeport, has just under 600 residents. Other notable communities include Crowley Lake and Walker.
About Mono County
Located in the Eastern Sierra region, Mono County is known for its natural beauty. The county becomes a winter wonderland each year and is home to the famous Mammoth Mountain ski slopes. It also has some of the best fall foliage in the state. In spring and summer, residents can explore the 300 miles of trails that make up the Mammoth Lakes Trail System.
The county gets its name from Mono Lake, which has helped make the county a top tourist destination. It is one of the oldest in the Western Hemisphere and is known for its strange and beautiful limestone rock formations, known as Tufas.
In addition to its natural beauty, Mono County is also known for its excellent fishing. Fishing is such a big deal in the area where residents celebrate the fishing season’s opening, “Fishmas,” on April 25. There are also dozens of derbies and fishing events throughout the year where you can try your luck and catch the big one. Plus, there’s free fishing for everyone each Fourth of July.
Veteran Information
Mono county is currently home to 673 veterans.
County Veteran Assistance Information
Mono County Veteran Services Office – 1290 Tavern Road, Mammoth Lakes, CA 93546.
VA Home Loan Information
For more information about VA Home Loans and how to apply, click here.
If you meet the VA’s eligibility requirements, you will be able to enjoy some of the best government-guaranteed home loans available.
VA loans can finance the construction of a property. However, the property must be owned and prepared for construction as the VA cannot ensure vacant land loans.
VA Approved Condos
There are currently no VA-approved condos available in Mono County. However, it is still possible to get a condo through the approval process all you need to do is call us at (877) 432-5626 and we will help you through the condo approval process.
This is a quick look at how to apply for a VA home loan in Sacramento County. For a more detailed overview of the VA home loan process, check out our complete guide on how to apply for a VA house loan. Here, we’ll go over the general steps to getting a VA home loan and point out some things to pay attention to in Sacramento County. If you have any questions, you can call us at VA HLC and we’ll help you get started.
Get your Certificate of Eligibility (COE)
Give us a call at (877) 432-5626 and we’ll get your COE for you.
Are you applying for a refinance loan? Check out our complete guide to VA Refinancing.
Get pre-approved, to get pre-approved for a loan, you’ll need:
Previous two years of W2s
Most recent 30 days paystubs or LES (active duty)
Most recent 60 days bank statements
Landlord and HR/Payroll Department contact info
Find a home
We can help you check whether the home is in one of the Sacramento County flood zones
Get the necessary inspections
Termite inspection: required
Well or septic inspections needed, if applicable
Get the home appraised
We can help you find a VA-Certified appraiser in Sacramento County and schedule the process
Construction loan note: Construction permit/appraisal info
Building permit
Elevation certificate
Lock in your interest rates
Wait until the appraisal lock in your loan rates. If it turns out you need to make repairs, it can push your closing back. Then you can get stuck paying rate extension fees.
Close the deal and get packing!
You’re ready to go.
What is the Median Home Price?
As of March 31st, 2020, the median home value for Sacramento County is $402,230. In addition, the median household income for residents of the county is $63,902 which is higher than the national average.
How much are the VA Appraisal Fees?
Single-Family: $700.
Individual Condo: $700.
Manufactured Homes: $750.
2-4 Unit Multi-Family: $900.
Appraisal Turnaround Times: 7 days.
Do I need Flood Insurance?
The VA requires properties are required to have flood insurance if they are in a Special Flood Hazard Area.
In Sacramento County, the most significant flood hazard areas are around the Sacramento River which borders the county in the west. In addition, there are other flood hazard areas around the Mokelumne River which also borders the county to the south.
How do I learn about Property Taxes?
Christina Wynn is the Sacramento county tax assessor. Her office can be reached at 3701 Power Inn Road floor 3 Suite 3000, Sacramento, California 95826. In addition, her office can also be reached by calling (916) 875-0700.
The state of California offers incentive programs that expand statewide for new, growing, and relocating businesses. Two of these programs are the California Competes Tax Credit which offers qualifying businesses with a tax credit, and the New employment Credit which offers a tax credit for taxpayers who hire full-time employees. Furthermore, the state offers several other programs to further diversify the state’s economy.
What is the Population?
As of 2019, Sacramento County’s population is 1,552,058 which has seen a 9% increase in the last decade. Moreover, demographically speaking, 44% of the population is White, with 23% Hispanic, and 16% Asian.
Most county residents are between 18 and 65 years old, with 23% under 18 years old and 14% older than 65.
In total, the county has about 536,029 households, with an average of two people per household.
What are the major cities?
The county has seven cities, including the city of Sacramento which serves as the county seat. In addition, the six other cities in the county are Citrus Heights, Elk Grove, Folsom, Galt, and Rancho Cordova.
About Sacramento County
Today, Sacramento County is the fifth-largest metropolitan area in the state and its economy’s biggest employment industries are healthcare, retail trade, and public administration. Hence, the most common occupations in the county are in the office, sales, and management sectors.
In addition to its existing industries, the county is also offering incentive programs for growing and relocating businesses. The incentives, which are offered by the county’s Office of Economic Development come in the form of tax incentives, infrastructure development, green incentives, and fast-track permitting.
Educationally speaking, the county has thirteen school districts that offer education to students ranging from pre-K to 12th grade of High School. In addition, the county also offers higher education with California State University-Sacramento, American River College, and Sacramento City College.
The county is also home to rich art and culture institutions like the Community Center Theatre, the Memorial Auditorium, and the Wells Fargo Pavilion. Moreover, the county is also home to several museums like the Crocker Art Museum, the California Museum for History, Women, and the Arts, as well as the California State Railroad Museum in Old Sacramento. In addition, there are 26 museums in the county that offer free admission to visitors.
Finally, the county is also home to several parks which enable residents and visitors to enjoy the outdoors and the beautiful weather. Parks like the American River Parkway and William Land Park are parts of the over 5,000 acres worth of parkland and recreational areas in the county. In addition, the county is ranked third-best park system among the 50 most populous cities in the country, tied with Boston and San Francisco.
Veteran Information
Sacramento County is currently home to 80,343 veterans.
Sacramento County is home to five VFW post:
Post 67 Lieutenant Lansdale – 2784 Stockton Blvd, Sacramento, CA 95817.
Post 8358 Chung Mei – 2784 Stockton Blvd, Sacramento, CA 95817.
Post-1267 Terry W. Nelson Memorial – 7576 Stockton Blvd, Sacramento, CA 95823.
Post 8985 Nisei – 1515 4th Street, Sacramento, CA 95814.
Post 10125 Rancho Cordova – 10124 Coloma Road Rancho Cordova, CA 95670.
VA Medical Centers in the county:
Citrus Heights Vet Center – 5650 Sunrise Blvd., Suite 150, Citrus Heights, CA 95610.
County Veteran Assistance Info.
Apply for a VA Home Loan
For more information about VA Home Loans and how to apply, click here.
If you meet the VA’s eligibility requirements, you will be able to enjoy some of the best government-guaranteed home loans available.
VA loans can finance the construction of a property. However, the property must be owned and prepared for construction as the VA cannot ensure vacant land loans.
VA Approved Condos
Name (ID): BRIDGEFIELD (007660) Address: ANTELOPE CA 95843 SACRAMENTO Status: HUD Accepted Request Received Date: 02/07/2008 Review Completion Date: 02/07/2008
Name (ID): 14TH & R STREET MIXED USE (008401) Address: AKA R STREET LOFTS SACRAMENTO CA 95814 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 08/31/2009 Review Completion Date: 09/21/2009
Name (ID): 2020 H STREET CONDOMINIUMS (000038) Address: AKA H STREET LOFTS SACRAMENTO CA 95811 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 12/04/2011 Review Completion Date: 02/20/2012
Name (ID): ALTURA VILLAS (000075) Address: 885 HALIDON WAY FOLSOM CA 95630 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 01/27/2013 Review Completion Date: 03/31/2013
Name (ID): AMARA CONDOMINIUM (000374) Address: 1900 DANBROOK DRIVE SACRAMENTO CA 95835 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 03/03/2019 Review Completion Date: 03/26/2019
Name (ID): AMHERST PLACE (C00443) Address: AMHERST PLACE SACRAMENTO CA 99999-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 12/31/1998 Review Completion Date: 12/31/1998
Name (ID): ARTISAN SQUARE (000438) Address: 5301 E COMMERCE WAY SACRAMENTO CA 95835 SACRAMENTO Status: Accepted With Conditions Request Received Date: 12/23/2019 Review Completion Date: 12/30/2019
Name (ID): BELLA ROSE CONDOMINIUMS (007313) Address: 4200 E. COMMERCE WAY SACRAMENTO CA 95834 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 03/17/2005 Review Completion Date: 05/25/2005
Name (ID): BIG HORN CONDOMINIUMS (007687) Address: ELK GROVE CA 95758 SACRAMENTO Status: HUD Accepted Request Received Date: 02/27/2008 Review Completion Date: 02/27/2008
Name (ID): BRIDGEWAY TOWERS (000147) Address: N STREET SACARMENTO CA 95814 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 04/09/2015 Review Completion Date: 04/21/2015
Name (ID): CARRIAGE LANE (007394) Address: NONE SACRAMENTO CA 95834 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 04/02/2006 Review Completion Date: 04/02/2006
Name (ID): COBBLESTONE GLEN 1-3 (C01044) Address: SACRAMENTO CA 95856-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 06/23/1992 Review Completion Date: 06/23/1992
Name (ID): COLOMA ESTATES #2 (C01068) Address: LOT 85 RANCHO CORDOVA CA 95670-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 12/19/1980 Review Completion Date: 12/19/1980
Name (ID): COLOMA ESTATES 1 & 2 (C00448) Address: RANCHO CORDOVA CA 95670-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 12/19/1976 Review Completion Date: 12/19/1976
Name (ID): COLOMA ESTATES 2 (007209) Address: SACRAMENTO CA 95670 SACRAMENTO Status: HUD Accepted Request Received Date: 09/23/2003 Review Completion Date: Unavailable
Name (ID): COLOMA ESTATES 2 (007209) Address: SACRAMENTO CA 95670 SACRAMENTO Status: HUD Accepted Request Received Date: 09/23/2003 Review Completion Date: Unavailable
Name (ID): COLOMA ESTATES 2 (007209) Address: SACRAMENTO CA 95670 SACRAMENTO Status: HUD Accepted Request Received Date: 09/23/2003 Review Completion Date: Unavailable
Name (ID): COLOMA ESTATES 2 (007209) Address: SACRAMENTO CA 95670 SACRAMENTO Status: HUD Accepted Request Received Date: 09/23/2003 Review Completion Date: Unavailable
Name (ID): COTTAGE PARK CONDO (C00449) Address: COTTAGE PARK CONDO CARMICHAEL CA 95608-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 11/30/1999 Review Completion Date: 11/30/1999
Name (ID): ESPLANADE OWNERS ASSOCIATION (000344) Address: ESPLANADE CIRCLE FOLSOM CA 95630 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 07/24/2018 Review Completion Date: 08/08/2018
Name (ID): FRANKLIN VILLA ESTATES (001042) Address: SACRAMENTO CA 95823-2958 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 04/21/2004 Review Completion Date: Unavailable
Name (ID): GREENBACK ESTATES #2-4 (C01043) Address: GREENBACK & VAN MAREN CITRUS HEIGHTS CA 95621-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 08/14/1980 Review Completion Date: 08/14/1980
Name (ID): GREENBACK ESTATES 1-4 (007065) Address: CITRUS HEIGHTS CA 95610 SACRAMENTO Status: HUD Accepted Request Received Date: 09/05/2002 Review Completion Date: 09/05/2002
Name (ID): GREENBACK TOWNHOMES EAST (000503) Address: 6673 GREENBACK LANE CITRUS HEIGHTS CA 95621 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 09/14/2020 Review Completion Date: 09/20/2020
Name (ID): GREYSTONE TERRACE (C00455) Address: SACRAMENTO CA 99999-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 05/14/1992 Review Completion Date: Unavailable
Name (ID): HAMPTON VILLAGE CONDO (007434) Address: none SACRAMENTO CA 95835 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 09/10/2006 Review Completion Date: 09/10/2006
Name (ID): HEMLOCK STREET CONDOS (C00456) Address: SACRAMENTO CA 99999-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 04/07/1996 Review Completion Date: Unavailable
Name (ID): HIDDEN OAK CONDOMINIUMS (C01245) Address: CARMICHAEL CA 95608-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 11/26/1996 Review Completion Date: 11/26/1996
Name (ID): HILLSDALE ESTATES (007255) Address: SACRAMENTO CA 95842 SACRAMENTO Status: HUD Accepted Request Received Date: 03/28/2004 Review Completion Date: Unavailable
Name (ID): JASMINE (008071) Address: 5611 TARES CIRCLE ELK GROVE CA 95757 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 11/23/2008 Review Completion Date: 12/21/2008
Name (ID): LAGUNA BIG HORN CONDOS (008207) Address: AKA BIG HORN ELK GROVE CA 95758 SACRAMENTO Status: HUD Accepted Request Received Date: 04/02/2009 Review Completion Date: 04/02/2009
Name (ID): LAGUNA OAKS (007555) Address: ELK GROVE CA 95758 SACRAMENTO Status: HUD Accepted Request Received Date: 08/07/2007 Review Completion Date: 08/07/2007
Name (ID): LATITUDES AT MONTEREY VILLAGE (000361) Address: 4522 OCEAN LANE ELK GROVE CA 95757 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 12/30/2018 Review Completion Date: 01/30/2019
Name (ID): MADISON VILLA ESTATES (C01039) Address: ALL PHASES SACRAMENTO CA 95841-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 01/31/1980 Review Completion Date: 01/31/1980
Name (ID): [email protected] RANCH (007762) Address: PHASES 1-7 FOLSON CA 95630 SACRAMENTO Status: HUD Accepted Request Received Date: 04/30/2008 Review Completion Date: 05/04/2008
Name (ID): MARBRO COMMONS (C01057) Address: AKA 1810 K STREET SACRAMENTO CA 90000-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 08/23/1994 Review Completion Date: Unavailable
Name (ID): MYSTIQUE (000435) Address: 3048 MACON DR SACRAMENTO CA 95835 SACRAMENTO Status: Accepted With Conditions Request Received Date: 12/16/2019 Review Completion Date: 01/29/2020
Name (ID): MYSTIQUE (007759) Address: SACRAMENTO CA 95835 SACRAMENTO Status: HUD Accepted Request Received Date: 05/05/2008 Review Completion Date: 05/06/2008
Name (ID): NORTH LAGUNA POINTE (007426) Address: CONDOMINIUMS ELK GROVE CA 95758 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 08/08/2006 Review Completion Date: 08/08/2006
Name (ID): NORTHRIDGE PARK HOA (008241) Address: AKA LAKE KNOLLS ESTATES FAIR OAKS CA 95628 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 05/03/2009 Review Completion Date: 05/13/2009
Name (ID): OUTLOOK AT TREEHOUSE (007865) Address: FOLSOM CA 95630 SACRAMENTO Status: HUD Accepted Request Received Date: 07/07/2008 Review Completion Date: 07/09/2008
Name (ID): PARK PLACE AT REGENCY (007351) Address: PARK CONDOMINIUMS SACRAMENTO CA 95835 SACRAMENTO Status: HUD Accepted Request Received Date: 09/13/2005 Review Completion Date: 09/13/2005
Name (ID): PARKRIDGE (000008) Address: CONDOMINIUMS SACRAMENTO CA 95822 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 12/29/2010 Review Completion Date: 02/17/2010
Name (ID): PENTHOUSES @ CAPITOL PARK (000028) Address: @ 15TH STREET & L STREET SACRAMENTO CA 95814 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 01/30/2012 Review Completion Date: 03/14/2012
Name (ID): RIDGEPOINT COLONY PHASE I (C00472) Address: NORTH HIGHLANDS CA 99999-0000 SACRAMENTO Status: Accepted With Conditions Request Received Date: 12/28/1983 Review Completion Date: Unavailable
Name (ID): RIDGEPOINT CONDOMINIUMS (000019) Address: RIDGEPOINT SACRAMENTO CA 95842 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 05/10/2011 Review Completion Date: 06/28/2011
Name (ID): RIDGEPOINT CONDOMINIUMS (000009) Address: SCRAMENTO CA 95842 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 06/15/2011 Review Completion Date: 06/28/2011
Name (ID): RIDGEPOINT CONDOS PH.1-7 (C00471) Address: AKA RIDGEPOINTE COLONY NORTH HIGHLANDS CA 95842-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 06/12/1993 Review Completion Date: 06/12/1993
Name (ID): RIVARA WOODS (C00473) Address: SACRAMENTO CA 99999-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 08/12/1985 Review Completion Date: Unavailable
Name (ID): SOMERSET PARKSIDE CONDO (007797) Address: SACRAMENTO CA 99999 SACRAMENTO Status: HUD Accepted Request Received Date: 05/13/2008 Review Completion Date: 05/18/2008
Name (ID): STONEHEDGE CONDOMINIUMS/ (C01140) Address: STONEHEDGE COMMUNITY ASSN CITRUS HEIGHTS CA 95818-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 07/11/1990 Review Completion Date: 07/11/1990
Name (ID): STONEHENGE CONDOS (C00475) Address: AKA COVENTRY SQUARE CITRUS HEIGHTS CA 85621-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 10/20/1993 Review Completion Date: 10/20/1993
Name (ID): SUNDANCE (007411) Address: 12400 FAIR OAKS BLVD. FAIR OAKS CA 95628 SACRAMENTO Status: HUD Accepted Request Received Date: 06/13/2006 Review Completion Date: 06/13/2006
Name (ID): SYRAH AT NATOMAS PARK (000231) Address: LOT 1 PHASE 1-6 SACRAMENTO CA 95835 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 11/28/2016 Review Completion Date: 05/14/2017
Name (ID): THE MILL AT BROADWAY NO 4 (000417) Address: 278 LOG POND LANE SACRAMENTO CA 95818 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 09/16/2019 Review Completion Date: 09/24/2019
Name (ID): THE MILL AT BROADWAY NO. 2 (000337) Address: 2500 CLEAT LANE SACRAMENTO CA 95818 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 06/03/2018 Review Completion Date: 06/12/2018
Name (ID): THE MILL AT BROADWAY NO.1 (000205) Address: 2640 5TH ST SACRAMENTO CA 95818 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 07/31/2016 Review Completion Date: 08/21/2016
Name (ID): THE RIVAGE (007822) Address: RIVAGE CIRCLE FOLSOM CA 95630 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 06/02/2008 Review Completion Date: 06/03/2008
Name (ID): TIMBERLAKE CONDO (C00477) Address: 1051 FULTON AVE SACRAMENTO CA 95825-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 12/31/2000 Review Completion Date: 12/31/2000
Name (ID): UNION SQUARE (007396) Address: FERRY CIRCLE FOLSOM CA 95630 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 04/19/2006 Review Completion Date: 04/19/2006
Name (ID): VESSONA CONDOMINIUMS (008205) Address: FOLSOM CA 95630 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 03/31/2009 Review Completion Date: 04/09/2009
Name (ID): VICTORIAN VILLAGE CONDO 2 (007171) Address: SACRAMENTO CA 94203 SACRAMENTO Status: Accepted With Conditions Request Received Date: 07/28/2003 Review Completion Date: Unavailable
Name (ID): VILLA SAN JUAN 1 – 8 (C00481) Address: SACRAMENTO CA 99999-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 11/29/1983 Review Completion Date: Unavailable
Name (ID): VILLE MAISON (007395) Address: CARRIAGE LANE II SACRAMENTO CA 95834 SACRAMENTO Status: HUD Accepted Request Received Date: 04/06/2006 Review Completion Date: 04/06/2006
Name (ID): WASHINTON PARK VILLAGE (007754) Address: PHASE 1 & 2 SACRAMENTO CA 95814 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 04/29/2008 Review Completion Date: 05/12/2008
Name (ID): WESTLAKE (000501) Address: 4800 WESTLAKE PKWY SACRAMENTO CA 95835 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 09/13/2020 Review Completion Date: 10/06/2020
Name (ID): WESTWOOD VILLAGE CONDOMINIUMS (C00483) Address: 8020 WALERGA RD ANTELOPE CA 95843-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 07/28/1993 Review Completion Date: 07/28/1993
Name (ID): WESTWOOD VILLAGE UNIT 1&2 (C00482) Address: LOTS 1-5 IN 1, 1-8 IN 2 SACRAMENTO CA 95843-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 06/06/1993 Review Completion Date: 06/06/1993
Name (ID): WOODSIDE (C01072) Address: SACRAMENTO CA 95825-0000 SACRAMENTO Status: Accepted Without Conditions Request Received Date: 05/18/1983 Review Completion Date: 05/18/1983
