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Hours at minimum wage needed to afford rent

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by on Mar. 15, 2012 at 10:54 PM
Replies (61-70):
heidimoose134
by Momma Moose on Mar. 16, 2012 at 9:48 AM

Can't speak for other states (I'm in Iowa) but at 40 hours a week working minimum wage I don't believe one would qualify for cash assistance. At least based on this.
http://www.dhs.iowa.gov/docs/Comm295W.pdf 
Minimum wage at 40 hours a week before taxes are taken out is $1160 for the month (give or take).  After taxes I believe it would be about $1044 (10% tax rate, right?). Based on what my expenses are (so I'm only speaking for myself) I've got $665/mo for rent, about $70 a month for electricity, $70 a month for gas (this is a guesstimate as I haven't actually had it turned on yet.. I'm moving into my apartment this weekend). So for rent and utilities that would leave me with $239 for food, gas for the car, a phone bill, money to make sure my kids have diapers and clothes and so on. I think one would still qualify for food assistance at that wage, however, depending on how many children a person has (or doesn't have) so that helps a little. 

This is just a hypothetical situation for me, but that's what it comes out to. And I live in a relatively cheap area.

Quoting TruthSeeker.:

 What about cash assistance?

Quoting bmack2107:

Not always. The system is ridiculous... but also... a lot of the low income housing places are filled with drug addicts, or are just in bad areas. Not saying all of them are, but it's not easy to find them in good areas. Not around here anyway.

Quoting TruthSeeker.:

If you make minimum wage wouldn't you qualify for low income housing?


 


Rubberbiscuit
by Bronze Member on Mar. 16, 2012 at 9:53 AM

Actually, it's a myth that Massachusetts people are drowning in taxes.  I've lived in other states, and taxes were very comparable in most areas and significantly less in some areas.  Our cities and towns can't raise our property taxes more than 2.5% the assessed value of the property per year without an override.  The override has to be approved by a townwide vote.  As a result, our property taxes aren't outrageous. 

Quoting Not_A_Native:

 

Quoting Rubberbiscuit:

You don't know what you're talking about.  My healthcare isn't free.  I pay almost $450 a month to have a family health insurance plan.  I also have co-pays for doctors visits.  Even before universal health insurance was implemented, Massachusetts was a high cost of living state.  The price of rent has zero to do with our health insurance law.  This is the price you pay to live in the best state in the Union. 

Quoting Not_A_Native:

 

Quoting Rubberbiscuit:

110 hours in my state, Massachusetts.  Wow. 


Maybe has something to do with that "free" healthcare, no?

 

Of course your health insurance isn't free, that's why I had it in quotes.  Yes, I know Massachusetts isn't cheap.  But it gets paid for by taxes - income taxes, property taxes, and so on.  This can't make it any better.  The cost of rent figures in what property owners pay in taxes, so that will, yes, affect the cost of rent.


heidimoose134
by Momma Moose on Mar. 16, 2012 at 9:56 AM
1 mom liked this


Quoting yourspecialkid:

 

Quoting heidimoose134:


Quoting yourspecialkid:

 

Quoting heidimoose134:

I think most of us can agree that minimum wage is not supposed to be a living wage. I think the heart of the issue is that many people who have lost well paying jobs haven't been able to find work that pays better than minimum wage.

Quoting yourspecialkid:

 Minimum wage is not meant to be a LIVING wage.  It was meant to be the bottom tier of the pay system...high school/college jobs...some entry level jobs...low skill jobs.  People wonder where the middle class went..it got slurped up by the increasing minimum wage.


I would love to be able to pay my counter girl & delivery driver the fed min wage..and give the extra dollar and change to my skilled workers instead...state of Oregon says I can't....so my counter girl and delivery driver got a fifty cent raise to $8.80 while my skilled workers..those in the middle class got nothing..the gap between closes some more.. 


Oh and before I become evil, mean, uncaring or greedy.  I will happily pay them all $20 an hour if you will happily pay $30 to have a shirt cleaned.


 

 I agree with you 100%.  Since they can't seem to do anything with min wage except increase it..I would like to see a tiered system.  I would also like to see manufacturing increased in this country.  Our middle class was built on it!  There are ways to not only improve the economy but make it soar...it will take a several prong approach though...and given all the bickering 2 yr olds in DC (BOTH parties) that isn't likely to happen anytime soon.

BTW, I like your username..too cute!

I agree with you as well. I think we would really benefit by increasing the number of manufacturing jobs here. Not everyone is suited for college and I think it's silly to expect everyone to be. It's hard to find any good paying job without at least a Bacholers degree these days and that's just not cutting it. And getting congress to get their heads out of their behinds would be helpful as well. lol 

And thanks, lol. :-)

 Oh my gosh!  I totally agree with you on the college thing!  And this comes from someone that worked their butt off to pay for 2 degrees!  I have used 1 of them a good bit..but the other was mostly money spent on a piece of paper.  All these people with expensive degrees and jobs paying min wage or a little above..its crazy.

There are a lot of good paying jobs and careers that don't require college.  I have a nephew in high school and he has spent the last couple of years working for a plumber.  He doesn't want to go to college..he just wants to take some business courses at the jr college and open his own plumbing place.  My sister nearly had a coronary (our Mom pushed us to college)!  He is like.."Mom..what does it cost to have the plumber come out?"  The guy he works for makes 6 figures and lives in a very nice home in their small town.

Lots of blue collar fields can have high incomes.  Lots of blue collar fields have good life middle class incomes too.

 

Exactly. I think that there needs to be more availability for trade schools. I'm doing college myself to get an RN in nursing (which is $20/hr entry level wage in my area) and it's definitely hard, and I wouldn't expect everyone to be able to do it. 

A person could make tons of money being a plumber, or an electrician. Shoot, even the construction field has room for opportunity to grow and make more money. 

It would be nice to see more handcrafted things in this country. I'm not going to lie. I would love to see the manufacturing field boom here again. 

Some sacrifices have to be made along the way but if it brings us a brighter future then I think we as a country should be willing to make those sacrifices.

GoddessNDaRuff
by Silver Member on Mar. 16, 2012 at 10:13 AM

from my knowledge (Texas) you do not qualify unless you have young children and are not working. A single person on their own *might* get foodstamps and medicaid and medicaid would only be if you have a condition like asthma or diabetes that needed monitoring or if you are pregnant because they aren't allowed to turn pregnant women away if they need insurance. At least that's what I was told.

Quoting TruthSeeker.:

 What about cash assistance?

Quoting bmack2107:

Not always. The system is ridiculous... but also... a lot of the low income housing places are filled with drug addicts, or are just in bad areas. Not saying all of them are, but it's not easy to find them in good areas. Not around here anyway.

Quoting TruthSeeker.:

If you make minimum wage wouldn't you qualify for low income housing?


 


smalltowngal
by Platinum Member on Mar. 16, 2012 at 10:57 AM

Scary. I feel so out of touch with the working poor and I couldn't even imagine having to live on so little at this stage ofmy life. I am in awe of people who do and have some friends with incredible budgeting and deal finding skills.

Lizardannie1966
by on Mar. 16, 2012 at 11:09 AM

I believe minimum wage recently was lowered from $7.65 to $7.35 here in my state (correct me on the amount if need be), and naturally (it's Arizona, afterall! lol) it has faced controversy.

Our oldest daughter makes about $12 an hour and still lives at home. Why? Because despite making a fairly nice wage for one person with no children and only her own bills, the cost of rent can still be pricey. When Arizona started seeing a lot of foreclosures, property and apartment managers started seeing an influx of people in need of a roof over their heads. What did these managers and owners do? Raise the cost of the monthly rent.

We have no problem with her living here. I'll be honest and admit that I actually still love having her at home, as selfish as that may sound. Mi casa su casa is what we've always told our kids.

But I know for her, it's frustrating as hell. Naturally she wants to have a place of her own, to call home and create a nest for herself.

Sisteract
by Whoopie on Mar. 16, 2012 at 11:25 AM
1 mom liked this

People who have foreclosed and who now have entered the renter's market have driven up the cost of rents-

Sisteract
by Whoopie on Mar. 16, 2012 at 11:30 AM

It was reported on the news yesterday that in order to pay for the average rent for a 2 BR apt in SF (2,000/month), a worker would need to make >70,000 a year-

heidimoose134
by Momma Moose on Mar. 16, 2012 at 11:37 AM


Quoting Sisteract:

It was reported on the news yesterday that in order to pay for the average rent for a 2 BR apt in SF (2,000/month), a worker would need to make >70,000 a year-

Holy crap! Now I feel like I'm getting a steal with $665 a month! lol 

Euphoric
by Bazinga! on Mar. 16, 2012 at 11:38 AM

 Yep, pretty much.

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