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Old 03-29-2016, 08:31 PM
 
Location: Virginia
8,106 posts, read 12,625,307 times
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Quote:
Originally Posted by Tornado86 View Post
i agree with you, this Area is not for Middle class, i have been living in this Area for the last 4 years and i recognize that majority of people are making + $100k year. real estate market is almost %50 cheaper in some of Chicago Suburbs which is not bad at all.

Thanks,
As an individual salary? That seems high to me. Isn't the median household income in Fairfax County around $105k or so?
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Old 03-29-2016, 10:21 PM
 
15 posts, read 13,757 times
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Quote:
Originally Posted by slim04 View Post
I'm from Chicago. A lot of TH construction occurred in the 1960's and 1970's and they were basically marketed as affordable lower middle class housing and starter homes. They were built on the cheap and are basically falling apart. When I grew up, they were basically the "poor" part of town. The suburb I was in, they were basically Greek, Polish and Eastern European immigrants. Today, some are filled with poorer Latin American immigrants, people from Chicago moving up the social ladder, or, the absolutely worst, housing for recent college graduates, where loud music, parties, and lots of boorish behavior is common.

Yes, there could be $600K+ SFH homes a few miles away, but it is basically a different community. Just be careful, just because you hear good things about the overall suburb, the places where the cheap housing is may not be that great.

This is true, i have checked and there is a big difference in housing prices with in same zip code not even a mile away.
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Old 03-29-2016, 10:35 PM
 
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Default !!

Quote:
Originally Posted by NC211 View Post
I know this question very well and can help. I moved here in 2011 after three years in Chicago, next door to Wheaton in Glen Ellyn. My first bit of advice - stay here. Don't let the "price tag" fool you into thinking it's cheaper living up there than here, especially in the areas you're mentioning. What that price tag isn't telling you, is the tax burden to own a home there, which is FAR worse than here. Let me give you a real-world example:


Our home in Glen Ellyn (DuPage County): Tax assessed value of $143,820. Size - 1,772 SF. Annual real estate tax bill? $12,174 (2015). That's slightly over $1,000 per month just for your taxes. Actual market value of that home - $500,000 +/-. 20 miles west of downtown Chicago.


Our home here in Washington, DC (Loudoun County): Tax assessed value of $801,770. Size - 6,900 SF. Annual real estate tax bill? $9,100. Actual market value of the home - $875k +/-. 20 miles west of Tyson's Corner.


That's 25% less in RE taxes for nearly 3x's the home between the two. And, before the peanut gallery starts barking about other taxes here and there differences, known this - $300 for car registration stickers per car (on top of taxes), $25 stickers per week if you want to bag your lawn clippings and have it hauled away (or anything else that didn't fit in the trash can), tolls, etc... In my own personal experience, the cost of living is lot less here in than there.


My income here in DC is more than twice what it was in Chicago. Now, I understand I'm comparing 2011 to 2015 in this regard, and with that comes more experience. But when looking at what that adjustment would look like per year, it's the equivalent of a 25% raise every year.


You like to work on cars? Want a garage? I'm the same way. But, and this is a huge point - IT'S FRIGGIN' COLD IN CHICAGO!!! I don't mean it's biting cold for a week or two here and there. I mean it's biting cold for several months on end there. You'll want a heated garage (which they don't really make there).


If you do decide to go to Chicago - Naperville is really the spot to look for. It's going to be more like Loudoun county to you than the others. Carol Stream has more than it's fair share of rough pockets, so be careful. Wheaton is next door to Glen Ellyn. It is very much the "the Haves and Have Nots" there.


May - August, I'll admit, it's nice. But September - April, it's just miserable. From November - February, it's dark as midnight by 4:30pm. Yes, there is something appealing about Chicago to a lot of folks. I have found that if you are from Chicago - you end up back in Chicago no matter where you go in this world. But, if you are not from Chicago, it's a tough adjustment for a lot of folks. If your wife plans on staying at home with the kids, you'll need to be prepared for significant "cabin fever".


True story - blizzard January 2011, Glen Ellyn. I had two in diapers, stay at home wife. Took me 10 hours with a sizable snow blower to dig us out. The garage was detached and in the back of the house. Driveway was a single-car wide driveway. I walked into the house around 8pm after finishing up to find my wife standing there, one infant crying, one toddler running around like the move Lord of the Flies. My wife stared me dead in the eye and said "I love you, but I'm not here next winter." I told her "That's ok sweetie, because I came inside to tell you to start packing the boxes, because I'm never doing this crap again either. Some how, some way, we're out of here before this all starts up again".


We rented that house (moved there in 2009), thankfully. The owners moved to LA and couldn't sell it, so they rented it. I just checked, they still own it, and will be owning it for a long time. The value today is still no where near the value in 2007 when they bought it.


We rolled out in mid-October 2011 for our new home in Loudoun County. Kids were in NC with grandparents. Movers loaded us up the day before. The two of us and the cat on an air mattress, couldn't sleep. Got up at 4am and decided to get the heck out of there. We drove out of Illinois into Indiana just as the season's first round of sleet was coming down. Tears of pure joy were rolling down our faces. We've been more than happy ever since.
This is a great info, and make me think more and wait before i decide to move, mater fact you change my mind !!
i though already about the taxes and found out that is almost the same if you compare cause here for $ 300k TH the Tax around $ 3000 plus HOA fee around $ 3600 which total $ 6600, in chicago the tax for $ 170k TH is $ 4400 plus HOA $ 2600 which total $ 7000 ($ 400 not big different in year)
when it comes to property tax on car i pay for two cars almost $ 900 + $ 25 each which as far as i know you dont have to pay it in Illinois.
Northern Virginia is a nice place to live in and really love it but i hate the fact that real estate market is so so expensive.
I heard recently about program Called ADU in loudoun county which it give a big discount on some of the properties within loudoun at decent prices. i called the county today and the average property price is $ 120k - 180K which is with in my price range, my friend purchased a new townhouse in Ashburn through this program and cost him only $ 135K !!!! if this work i will stay in NOVA otherwise i think there is a big chance to move up to Illinois.

Thanks NC211.
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Old 03-29-2016, 10:43 PM
 
15 posts, read 13,757 times
Reputation: 10
Quote:
Originally Posted by frostopsy View Post
Don't let people fool you that Virginia is a low-tax southern state. Those days are long gone. You my save on your property tax, but they make it up elsewhere.

Illinois:
Property taxes: 2.25%
Personal property tax: 0%
Income tax: 3.75

Virginia:
Property taxes: 0.80%
Personal property taxes: 4.19%
Income taxes: $750+5.75%

Not mention VA has a lot of hidden taxes like city stickers for vehicles (Alexandria for example), and the amount of reckless driving tickets the police hand out might just as well be called a tax.

NC11, blizzards are not unique to Chicago. In the past 6 years here in DC there has been two mammoth record breaking blizzards of its own. Plus they didn't recover from it as fast as they should of. I kid you not, when the city of Leesburg shut down the local government, the plow drivers went home too. At least you know those Chicago guys are going to be working for that overtime check. Let's not forget a couple of days before the blizzard. It snowed like half an inch and traffic was gridlocked into the night. People abandoned their cars. You aren't going to have stuff like that happen in Chicago when you get 1/2 an inch of snow.

My opinion, having lived in both the Chicago burbs (and the city) and the VA burbs (old town Alexandria) I would say Chicago is the way to go. Yah the weather sucks, but I also think the militant hot and humid summers in DC are unbearable, so to each their own. Areas like Naperville, Lisle, Wheaton, Downers Grove are excellent. I would certainly look in areas of Dupage county for a good comparison to places like Fairfax. No matter how much you end up paying extra in property and sales tax, you still win because it has a lower cost of living.

Housing is hit or miss any where you go. I lived in a rather expensive house in Ballston that was made after WWII. What a piece of crap that place was. I live in a building now that is 40 years old. Also a piece of crap, and still expensive. Then you have the iconic Stepford look of Loundon county. I got lost finding someone's house because everything was identical. When I went inside, it reminded me of the cheap houses they have been building in places like Romeoville and Plainfield IL. Was not impressed with new construction in the Ashburn/Sterling area. If you look hard enough, you can find some great examples of homes in both areas. More likely than not, you will pay significantly more in NOVA.

Hope that helps!
Wow, this is a good news to hear, now you guys makes me more confused about moving or staying lol, you give me a hope and lift me up with Chicago.
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Old 03-29-2016, 10:48 PM
 
15 posts, read 13,757 times
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Quote:
Originally Posted by leighland View Post
Chicago Summer Festivals 2016: Calendar of summer festivals and events

I love my hometown with all my heart but I can't do those dark cloudy windy snowy depressing 9 1/2 month winters anymore If you absolutely love snuggling up in winter-go for it!
is it that cold ?? i visited Chicago in Jun of 2012, Jun of 2015 and it was nice clear each time , Dec 2012 and was not really that cold compare to NOVA.
i still remember that we had a bad snow the last 4 years here in NOVA but not sure how it is comparing to Chicago.
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Old 03-30-2016, 07:16 AM
 
Location: D.C.
2,199 posts, read 1,819,035 times
Reputation: 3453
Quote:
Originally Posted by Tornado86 View Post
This is a great info, and make me think more and wait before i decide to move, mater fact you change my mind !!
i though already about the taxes and found out that is almost the same if you compare cause here for $ 300k TH the Tax around $ 3000 plus HOA fee around $ 3600 which total $ 6600, in chicago the tax for $ 170k TH is $ 4400 plus HOA $ 2600 which total $ 7000 ($ 400 not big different in year)
when it comes to property tax on car i pay for two cars almost $ 900 + $ 25 each which as far as i know you dont have to pay it in Illinois.
Northern Virginia is a nice place to live in and really love it but i hate the fact that real estate market is so so expensive.
I heard recently about program Called ADU in loudoun county which it give a big discount on some of the properties within loudoun at decent prices. i called the county today and the average property price is $ 120k - 180K which is with in my price range, my friend purchased a new townhouse in Ashburn through this program and cost him only $ 135K !!!! if this work i will stay in NOVA otherwise i think there is a big chance to move up to Illinois.

Thanks NC211.
The ADU program is indeed fact, exists and going strong. The key is finding a new neighborhood that is being built and approaching the sales team with the ADU program in mind. When a developer goes to the county to receive their building permits and such, the county will condition their approval for the project with requiring a certain percentage of the planned units to be designated and sold at ADU prices, say 10%. So, if there are 50% townhomes planned, 5 will be ADU compliant. And, they're not to be built in a manner that would reveal to the others that it is an ADU (stands for Affordable Dwelling Unit). So, if all of the townhomes are to come with a two car garage, then the ADU needs to come with the same two car garage. You will see differences in appliances though, but that's not really important.


But, there is a catch. If you qualify for an ADU, you can't turn around and sell it at full market price. It needs to stay an ADU for many years. So, if you buy at $135,000 and decide to sell it in 3 years, you can't sell if for what the non-ADU's are going for (say $500,000). It can be sold for the max ADU limit, which changes (slightly) each year. Always goes up, never goes down, but doesn't make big jumps.


A developer can however essentially "pay" to have the ADU component removed from their project. But, it's very costly to the developer and 95% doesn't happen. You only really see that if the planned residences are in the millions. Custom home types, over-the-top luxurious townhomes, etc.


You're doing the right thing by talking to the county. They'll "qualify" you for the program, and should give you info on where the available ADU's are. But, for the most part, if you see a sales trailer to one of these many new projects being built, stop by and ask the staff too. Might get some good info.
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Old 03-30-2016, 07:28 AM
 
Location: D.C.
2,199 posts, read 1,819,035 times
Reputation: 3453
Quote:
Originally Posted by Tornado86 View Post
is it that cold ?? i visited Chicago in Jun of 2012, Jun of 2015 and it was nice clear each time , Dec 2012 and was not really that cold compare to NOVA.
i still remember that we had a bad snow the last 4 years here in NOVA but not sure how it is comparing to Chicago.
The thing that really bothered us about the winters when comparing NoVa to Chicago is that, when the snow falls in November in Chicago, that same snow is still around on the ground in March. Here, when it snows, regardless of how much, it's usually melted and gone in about 10 days or so.


Is it that cold? Let's just say that you get used to seeing a (-) before the temperature pretty quickly. Not saying it's like that 24/7 during the winter, but it absolutely happens quite a lot. When you add the wind effect that comes off of Lake Michigan over the entire area, it really bites you. It's no accident that Southwest Airlines starts showing up on all the ads (TV, Radio, Print, Signs, ect) with "specials to Las Vegas" around mid-January. That's the trick to break up the blues. Go somewhere warm in January or February. It really helps.


My advice - you really need to "love" winter to "love" Chicago. "Liking" winter, just doesn't cut it if you're not from there. Without a social network of support, it's get pretty lonely too. Can be hard on the spouse while you're at work.


But, the food is amazing in Chicago! The pizza? I used to joke that it's not a pizza "pie", but a pizza "cake"! And people like to drink. I've never seen a town with more liquor stores anywhere else. It's one of the first things I noticed when we moved there (from Raleigh, NC). Liquor stores everywhere it seems. After a year, I understood it. Passing the time in the winters.


There is an Italian restaurant near downtown on "Taylor Street" called "Rosebud". Best Italian food I've ever eaten in my life. There are lots of these little finds in Chicago.

Summer though, it is really nice. Probably one of the nicest areas in the country, in my own personal opinion. But...September is lurking, which is followed by October, which is followed by....


If you go, you really should try and find someone who knows the city well to find your spot. As noted earlier, a $600k home could be next to a run down townhome community. With that type of diversity, it's kind've hard to know if you're in a "good spot" or not. My office used to be in Oak Park, which is packed with million dollar homes. But just a few blocks away, one of the most violent parks in the entire country exists.


Not trying to scare you away from the idea. I just want to make sure that you don't discount the winter effects.

Last edited by NC211; 03-30-2016 at 07:48 AM..
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Old 03-30-2016, 07:42 AM
 
Location: D.C.
2,199 posts, read 1,819,035 times
Reputation: 3453
Quote:
Originally Posted by frostopsy View Post
Don't let people fool you that Virginia is a low-tax southern state. Those days are long gone. You my save on your property tax, but they make it up elsewhere.

Illinois:
Property taxes: 2.25%
Personal property tax: 0%
Income tax: 3.75

Virginia:
Property taxes: 0.80%
Personal property taxes: 4.19%
Income taxes: $750+5.75%

Not mention VA has a lot of hidden taxes like city stickers for vehicles (Alexandria for example), and the amount of reckless driving tickets the police hand out might just as well be called a tax.

NC11, blizzards are not unique to Chicago. In the past 6 years here in DC there has been two mammoth record breaking blizzards of its own. Plus they didn't recover from it as fast as they should of. I kid you not, when the city of Leesburg shut down the local government, the plow drivers went home too. At least you know those Chicago guys are going to be working for that overtime check. Let's not forget a couple of days before the blizzard. It snowed like half an inch and traffic was gridlocked into the night. People abandoned their cars. You aren't going to have stuff like that happen in Chicago when you get 1/2 an inch of snow.

My opinion, having lived in both the Chicago burbs (and the city) and the VA burbs (old town Alexandria) I would say Chicago is the way to go. Yah the weather sucks, but I also think the militant hot and humid summers in DC are unbearable, so to each their own. Areas like Naperville, Lisle, Wheaton, Downers Grove are excellent. I would certainly look in areas of Dupage county for a good comparison to places like Fairfax. No matter how much you end up paying extra in property and sales tax, you still win because it has a lower cost of living.

Housing is hit or miss any where you go. I lived in a rather expensive house in Ballston that was made after WWII. What a piece of crap that place was. I live in a building now that is 40 years old. Also a piece of crap, and still expensive. Then you have the iconic Stepford look of Loundon county. I got lost finding someone's house because everything was identical. When I went inside, it reminded me of the cheap houses they have been building in places like Romeoville and Plainfield IL. Was not impressed with new construction in the Ashburn/Sterling area. If you look hard enough, you can find some great examples of homes in both areas. More likely than not, you will pay significantly more in NOVA.

Hope that helps!


Hmm.. maybe things have changed since we left Chicago, but I found the taxes to be much higher on just about everything in Chicago. The sales tax when we were there was going past 10%. In 2011, I left my job there in September, and started my new job here in November. Same tax filing status for both states. I owed taxes to Illinois, but got a notable refund from VA (which I basically just gave to the state of Illinois). Wasn't making that much more between the two.


I absolutely agree DC has been hit with some monster storms! I used to tell clients back then who are here in DC that they're not supposed to be making Chicago look appealing in January! BUT, regardless of human ability to recover, mother nature helps out a lot more in DC than Chicago. At least here, no matter how much snow we get from a storm, it's practically all gone in a week or two. In Chicago, it isn't unusual at all to have snow on Thanksgiving still on the ground after Valentine's Day, just buried under fresher snow. All nasty and dirty snow, piled up on the sides, yuck.


One thing I absolutely do miss though about Chicago (actually two things, one being specific to Glen Ellyn) - the architecture of the homes, and Toots! We're remodeling our home here, and I'm spending a lot of time on Realtor.com looking at houses in Chicago to get ideas. Interiors are more appealing in Chicago because you spend more time indoors. I loved that!


Toots is a kid restaurant of hotdogs, cheeseburgers, and cupcakes whereby the food is delivered to the table via model train. There is one in downtown Glen Ellyn that my son and I used to walk to when the weather permitted all the time. He loved it. It was great!
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Old 03-30-2016, 08:00 AM
 
Location: Chicago IL
472 posts, read 512,512 times
Reputation: 495
Quote:
Originally Posted by Tornado86 View Post
Wow, this is a good news to hear, now you guys makes me more confused about moving or staying lol, you give me a hope and lift me up with Chicago.
I'm a car guy too if you need a hand wrenching!
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Old 04-05-2016, 09:10 AM
 
92 posts, read 109,135 times
Reputation: 132
Default Greagt response from NC211

I AM from Chicago as well. NC211 gave a much better response than I could ever give. Here is your biggest consideration. Salary. I am making more money than I ever expected to make living in NOVA. I would have to (and I researched this) take a 25-30K pay cut to move back to Chicago. I am a Network Security Engineer. I live in Gainesville and I am satisfied. The schools in my area are just fine and it doesn't justify spending $800K + to live in Loudon County IMHO. Paying the $4.00 one way toll for DTW is just nutty.
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