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You made a mistake in your calculation because you ignored leverage. Most people buy a house using some combination of equity and debt (usually 20% / 80%).

You need to calculate the return based on the equity invested. Assuming they paid 20% down that's $125K. The house appreciated $773K over the initial purchase price. That's a 6x return on equity, not a 2x.

But thanks for the lecture about how other people don't understand inflation / math.



You are correct, of course.

My point was more about how journalists too often spout "PRICES DOUBLED!" to get attention like blood in the water, including here. And, in too many cases, it's over a time period that's 10+ years, so it's not really doubling, but 6%/year.

And, yes, leverage can profit, but it can bite hard too. Plenty of people bought at $500k with $100k down, then saw the value drop to $300k, meaning they lost 200+100 = $300k if they had to sell.

All fun math, with, yes, GROSS simplifications here.


Well, when debt is involved, prices doubling is a big deal! Prices going down 10% is a big deal too though.




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