I was in Portland recently, and I liked it so much, I checked out the housing market. Ouch. However, there seemed to be no shortage of SAHMs, because wherever DS and I went (zoo, children's museum, etc), there were plenty of kids with their mothers. I know that many US housing markets are considerably more expensive than the one we're in. I'm fairly sure that DH makes more than many people do (not bragging, just saying), yet I really don't think we'd qualify for a mortgage in some of these more expensive markets! Do they have different qualifications there? Does everyone take out 40 year mortgages? I know we could be more frugal, but being house poor does not sound like a fun proposition.