Quote:
Originally Posted by beebelle
Thanks for all the information. If we could afford a SFH in Chevy Chase, this would be easy. But the job is in DC, and we need private schools, which are likewise unaffordable for us in DC. If we decided to live in Ellicott City to shorten DH's commute, how long, realistically, would it take to drive the kids to Roland Park at roughly 8 a.m. and pickup at roughly 3 p.m.?
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Yikes.
If you are absolutely certain you're going to send your kids to private school in Roland Park, you do not want to be anywhere that would involve 695 during rush hour to take them there or pick them up.
Aside from the normal (difficult) traffic pattern, there are all sorts of road projects over the next few years which will adversely affect traffic. Expect more as stimulus money for infrastructure flows in and projects get approved and fast tracked.
If I may provide some additional color on your dilemma...
People who live in and around DC have commutes which are as inflexible and difficult (or even worse) than getting from Baltimore to DC proper.
I live in Lutherville and work in Alexandria, and while people shudder when I tell them where I live, there are people who make the following commutes, all of which are comparable in time to my commute even though the distance may be half:
-Gaitherburg/Rockville to Alexandria
-Fredericksburg to Alexandria
-Bethesda to Reston
-Leesburg to Crystal City
-Ashburn to DC
-Centreville to Arlington
-West Virginia (these are the real crazies) to Alexandria
For me, I leave my house at 6am and I'm in my office by 7:15 unless there's an accident or bad weather. I eat lunch in my office and leave at 4pm, and I'm home by 5:30 unless there's traffic or bad weather, when it can take 2-2.5 hours.
In the past, I've had a commute from Towson to near the white house. If you drive to the Greenbelt metro station and take the metro into the city, it's not half bad. I'd leave home around 620, get to the Greenbelt metro by 7:15, and I'd be at my desk by 8am. On the return, I'd leave the office at 5 and be in the door by 6:30 on most days.
So, my .02 to help you is:
1. Your husband should negotiate commuting terms (or at least see if the employer is open to them). Many employers allow flexible schedules and partial telecommuting. If he's working with or for the government, see if there is a federal telecommuting center someplace where they allow people to commute to (I know there's a few in VA, not sure about MD).
2. Have you thought about renting? While purchasing a home outright is expensive, the cost of renting out high end homes inside the beltway is outright cheap. Not knowing your budget, but I'm guessing a decent property in Ellicott City will cost about $550k. If you assume 20% down, 5% 30 year fixed rate mortgage, you're looking at monthly payment of $2415-ish before tax and insurance. With those, you're probably in the $3000-$3250/month.
That would rent a very nice home in Arlington, Bethesda, Rockville, Vienna, or Alexandria. Your husband would have a much better commute, and maybe you could look at public schools instead at the top schools in Arlington/Fairfax/Montgomery County?