 talking on a half a million dollar home around 12 000 a year paying a thousand a month for insurance in hawaii that's the barrier to entry there in hawaii do the math that's what matt says right illinois you got to make 80 000 a year obviously there's a lot more affordable places in illinois than chicago because my sister owns a place in chicago cook county highest tax county there in all the united states is cook county and my sister pays 15 000 a year on her 700 000 house