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Joe Kelso and John Winter probably waited too long. The couple has been together for a dozen years but only got serious recently about buying a house in San Francisco.
They saved enough to be able to afford anything under $500,000, but houses at such prices are now few and far between.
This spring, the median home price in San Francisco topped $1 million, up by a third from last year.
There are still houses listed for under $400,000, but that's just to get the bidding going. Those types of properties will sell for more than $500,000, while still requiring maybe $100,000 worth of work.
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