I could definitely afford what I am paying now, but mortgage is one thing and then there are all of the other things you mentioned. I would never ever live on the first floor. I can't stand noise above me. I have to have quiet. One of the things I am not loving about condos is it really is just an apartment. It looks like an apartment, etc. I am scared right now and need to wait. I am actually going to look at an apt. on Sunday and it's a first floor apartment. Again, don't think I can do that. If someone makes a noise over top of me while they get out of their bed...I will be up for the rest of the night. That's another thing about moving. Because I am so sensitive to carpets, paint, sound...what a nightmare. Plus, I want a little community area...meaning it to be near a town . I looked at condos the other day that are in this town that I want to live in, but they are so far from the town and they are right next to one of the highest crime areas in my state. So, it jumps from this truly wealthy area, to turning the corner and being very near the ghetto. It's not really in the town it boasts that it is, it just has that as an address.