Great points. > On the other hand, if you income level drops, it's can be very difficult to reduce housing costs fast. Thus I would think that people are more

Great points. > On the other hand, if you income level drops, it's can be very difficult to reduce housing costs fast. Thus I would think that people are more vulnerable to unexpected drops in income. I was shocked to see how high housing was. 31.3% just for rent or mortgage? You are screwed in a two person household if someone loses a job. And 5.4% for utilities? I assume that includes mobile, but that feels incredibly high.