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By Wally Nunn
People talk endlessly about the cost of buying a home — interest rates, bidding wars, low inventory. But that’s not what really determines affordability. For most families, the question is much simpler:
“Can we afford this house month after month?”
That’s where affordability lives or dies. And when you run the numbers in Delaware County — especially in working-class towns like Upper Darby — the answer is increasingly: No, we cannot.
Why It Matters. The math plays out across the state, in Norristown, Coatesville, Pottstown, Bristol Township, Reading, York, and parts of Pittsburgh. Any place where you combine modest home values with high real estate taxes, families face housing burdens of 32 to 40 percent of their household income.
This is not just mismanagement by one township or school district, though there is plenty of that. This is a structural flaw in how Pennsylvania funds local government and — especially — how it funds public education.
Property taxes were never designed to carry this load. They do not adjust when wages stagnate. They punish seniors. They hit working families hardest. And they make it nearly impossible for first-time buyers to get a foothold in communities that were once affordable.
This is what a systemic failure looks like.
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