this post was submitted on 13 Feb 2026
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Fuck Cars

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This is the question posed on CityNerd video titled "Walkable Cities But They Keep Getting More Affordable"

If you ditched your car, could you afford to leave the suburbs for a great urban neighborhood?

Ray Delahanty answers the question in the 26 biggest US cities.

The analysis assumes the all-in cost of owning and operating a car is $1,000 per month, including purchase, insurance, fuel, and maintenance.

In the city, transportation costs might total about $250 per month for transit passes, biking, ride-hailing, and other small expenses.

This results in an effective $750 per month increase in the housing budget for city center residents who do not own a car.

The results of the video are quite interesting, as you can get more m² in walkable areas in most cities

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[–] HubertManne@piefed.social 5 points 1 hour ago (1 children)

Ive watched this and many times its actually a collar burb that has the end of the transit system or far from the center to get the affordability. Im not complaining its basically what I have done but oh man it annoys me that the dense city center is not the most affordable area. Feel like we should be able to keep on building high rises till its the most affordable type of housing and do it mix with shops on at street level while we are at it with a few floors of office.

[–] NaibofTabr@infosec.pub 2 points 1 hour ago* (last edited 1 hour ago) (1 children)

Feel like we should be able to keep on building high rises till its the most affordable type of housing and do it mix with shops on at street level while we are at it with a few floors of office.

"Mega City One. 800 million people living in the ruin of the old world and the mega structures of the new one."

"You know what Mega City One is, Dredd? It's a fucking meat grinder. People go in one end. And meat comes out the other..."

[–] HubertManne@piefed.social 4 points 1 hour ago

I think the big thing is affordable enough for anyone who wants to live there does rather than have to live there. People can still own a small farm or have their own little land conservation area as long as they take care of it in a sustainable way. I honestly hate the burbs and in between lands. Just a waste. Aslo mega city one needs more rules on public greenspace. Its that distopia vs utopia thing. Make those mega complexes all green solar punk and oh man that is my type of place.

[–] TheDemonBuer@lemmy.world 6 points 1 hour ago* (last edited 1 hour ago) (1 children)

More dense urban areas certainly should be more affordable than suburban or rural areas, but they're often not. Or at least not as much as they could be.

One reason is I think many suburban and rural areas are being subsidized by urban areas, by using urban tax revenue to pay for suburban and rural infrastructure.

But I think the biggest reason is that urban areas are often in much higher demand, because that's where most of the jobs and housing are located, but the supply of housing is simply insufficient to meet the demand, thus driving up housing prices. And other prices, too. There's a supply demand imbalance for a lot of things in many higher density urban areas. And part of that is by design. The "suppliers" of homes, that is landlords, don't want to oversupply the market with housing, relative to demand, because that will push down rents, and they want rents to be as high as possible, because rents are their source of revenue.

Until urban areas find ways to significantly increase the supply of housing relative to the demand, housing prices in those urban areas will remain higher than they could, or should be. Non-car transportation infrastructure also needs to be significantly improved in many urban areas, but that takes money. Money that many urban residents either don't want to pay, or can't pay because so much of their income is going to housing, and other costs of living.

Finally, there's a social/cultural element to this that almost no one talks about because it's seen as problematic or taboo. People don't necessarily want to be surrounded on all sides by people they don't consider to be a part of their cultural or ethnic group. I'm sorry, I know, reading that makes a lot of people's butt holes clinch, but it's true. I think people would be much more willing to live in more densely populated urban areas if the people in these areas were more like them (culturally, ethnically). You can choose not to believe that because it makes you uncomfortable, but, uncomfortable though it may be, I think it is nonetheless true.

Edit: I want to add that I think there is also a class element to this, in addition to the cultural/ethnic element. Many people move out to the suburbs because they don't want to be around people they see as being of a "lower class" than them.

[–] massive_bereavement@fedia.io 4 points 1 hour ago

Depends on the building: I've lived in places where I could have quiet conversations with the neighbors through the walls.

[–] RaoulDook@lemmy.world 11 points 2 hours ago (1 children)

Nope I would have to triple or quadruple my costs for housing to move to an urban environment. Also then I would be surrounded by other people in close proximity a lot of the time. Currently I pay less than 1k/mo for mortgage, and there's only about 3 or less people per acre of land surrounding me. Costs for 1 car amount to roughly $800/mo including payment, insurance, and fuel.

[–] Steve@communick.news 6 points 2 hours ago* (last edited 2 hours ago) (2 children)

$1k/month for a car isn't normal. That has to be substantially rounded up from the average. I just got a new EV. $450 payment, $110 insurance. Electricity costs me about $35 more. Even accounting for maintenance I couldn't fudge the number to $675mo. To reach $1k you'd need a rather expensive vehicle.

But I do agree with the principle here. It would be nice to live in a walkable area where I don't need a car.

[–] akilou@sh.itjust.works 4 points 2 hours ago (1 children)

Average cost of a new car is $50k. A 5-year loan at a very modest 3% interest is $898/month

Plug in the numbers yourself: https://www.bankrate.com/loans/loan-calculator/

[–] sharkfucker420@lemmy.ml 4 points 1 hour ago (1 children)

How common is it to acyually buy a new car though? Like surely most people get something used right?

[–] Steve@communick.news 3 points 1 hour ago* (last edited 21 minutes ago)

That's part of my thinking. New cars aren't average.

Edit:
With some research I found that car sales total market is about 70/30 used vs new. Taking that into account the new average is just over $32k, rather than $49k.

[–] magiccupcake@lemmy.world 3 points 1 hour ago

Averages can mess this with this kind of statistics, where small group of people can bring up the average cost significantly.

Gas is also expensive, my wife spends about $130 a month a gas alone. They are also likely factoring in all costs too, including personal property taxes (which where I live gets much more costly if the vehicle is worth over 20k), and all maintenance. So things like tire changes, replacement batteries, oil changes, and everything else, averaged over the lifetime of the car.

You won't see most of these with an electric car at nearly the same cost. Electric cars see much lower operating costs, but only if you can afford it, and can charge it cheaply. Many people I know can't as they live in apartments and would have no way to charge an electric car.

For us personally, looking at buying a new electric over my wife's paid off car, increases in personal property taxes and insurance negate much if the financial savings of having a lower operating expenses. Combined with a high initial cost of the vehicles it doesn't save anything financially.

[–] sharkfucker420@lemmy.ml 2 points 1 hour ago

Planning on it as soon as i am able

[–] DarrinBrunner@lemmy.world 6 points 2 hours ago (1 children)

My monthly cost of living, all-in, is $2000/month. It was a little more when I was raising my kid. And now, it's more than it would have been had we not had skyrocketing inflation for the past five years.

If that sounds low, it is. But, I'm old (60) and my mortgage, which is almost paid off, is, and has been for nearly 30 years, $800/mo.

I paid $6000 cash for my current car, nine years ago. Since then, it's been insurance, gas, oil changes, and one shop visit. Nothing like $1000/mo.

If you think I'm an outlier, I'm not. By definition, half of people pay less than the average.

If people didn't drive gas-fueled trucks and cars through the middle of cities, then the air would be cleaner, and the city would be quieter. But, people DO drive trucks and cars through cities, and the air is dirty, and the city is noisy.

No, I could not afford to live in a city with decent public transportation, and it has nothing to do with transportation. Nor, do I want to live in a big city, the way they are now, and are likely to be for the rest of my life.

You can hate me for being old and for any other reason you want to, but I sincerely hope you get to live as long as I have, and much longer than that.

And, yes, I agree, fuck cars.

[–] magiccupcake@lemmy.world 3 points 1 hour ago (1 children)

by definition, half of people pay less than the average.

I hate to be nitpicky, but that's not what the average is. In averages a small population of people who spend way more can bring averages above the median (which is the split between halves of the population).

For cars in particular I prefer using medians as they are much more likely to be aligned to what most people experience.

[–] DaGeek247@fedia.io 1 points 38 minutes ago

I did a search. The source article has little bit more of a breakdown, but they still didn't do the median calculation, only the average. https://mediaroom.kbb.com/2025-10-13-Kelley-Blue-Book-Report-New-Vehicle-Average-Transaction-Price-Hits-Record-High-in-September,-Surges-Past-50,000-for-the-First-Time-Ever

[–] Nemo@slrpnk.net 3 points 2 hours ago

I couldn't afford to live in my great, walkable urban neighborhood if I was also paying for a car, that's for sure.

[–] eatCasserole@lemmy.world 2 points 2 hours ago

If you ditched your car, could you afford to leave the suburbs for a great urban neighborhood?

Actually, yes, because that's exactly what I did about 5 years ago. No regrets 😊

[–] Arkhive@piefed.blahaj.zone 3 points 3 hours ago (1 children)

Short version: yes, 100% and I kind of already have…

I am (somewhat unhappily) living in a suburb, but I have transit stops for multiple lines within a 5 minute walk, and a bunch more options if I’m willing to walk 10-15 minutes. I was paying something like $500/month (lease, gas, insurance) for my car before being hit by a semi and not replacing it. That was 2-ish years ago and I haven’t really looked back.

Now I pay about $100/month for basically unlimited transit use. My commute time tripled, but in theory got slightly more consistent because car traffic could get bad on the route to work. The transit system here is far from perfect, so sometimes I’m still late, but I’m lucky enough to have a fairly flexible start time. I’ve got 3 roommates with 2.5 cars between the 4 of us (one borrows a car from family periodically). I’d love to be a 1 car household, but two of the roommates “can’t give up their independence”, which I kind of shake my head at. One works further out of the city fully in a rural area, so I suppose it is kind of necessary for them to have a car, and then still having one car at home available for the rest of us works out fairly well.

I actually quite like the longer commute. It gives me time to read, or just listen to music, browse the internet, nap, whatever. Plus I’ve discovered a ton of small, local businesses I now love!

[–] GregorGizeh@lemmy.zip 4 points 1 hour ago (1 children)

Do you live with your roommates because you want to, or are you all working adults who cant find affordable homes on their own?

[–] Arkhive@piefed.blahaj.zone 3 points 1 hour ago

Bit of both. They’re my best friends, and the way the rent works out it was a cost improvement for all of us. I won’t get into the whole story. We are all mid to late 20s (I’m about to turn 30 😅) and all very far from being able to afford homes of our own. Though even if we did I think it would still be together. None of us want to have kids, so we operate as a family unit with two cats making up for the chaos of not having kids running about.

[–] heyWhatsay@slrpnk.net 3 points 3 hours ago

Reality in America: sleeping in the car

[–] 1dalm@lemmings.world 4 points 4 hours ago (2 children)

$1000 a month for a car is a pretty low estimate for most people. And even if we accept that estimate, it's $1000 per month, per car. Most suburban families are going to need more than one.

[–] themeatbridge@lemmy.world 9 points 3 hours ago* (last edited 3 hours ago) (1 children)

If you're paying $1,000 a month for your car, you have money to burn, or you have a terrible driving record and your insurance is absurd. We have two cars, each with a monthly payment of less than $300, and our combined insurance is $450 and includes two life insurance policies.

There's no way we could afford to move into the city. First, there are more jobs out here. Second, the public schools are so much better than in the city. Third, we have space for dogs, a garage with bikes, a fenced-in yard and a creek.

I lived in the city for 10 years, and I do miss it. I miss commuting on my bike. I miss being able to take the subway home after a night of drinking. I miss walking to the corner bodega for the best fucking potato salad anywhere.

But when we moved to the burbs, the rent was $1,600 a month for our two bedroom apartment. The exact same apartment is now $3,000 a month in rent, which is more than my mortgage payment for a 4 bed, 2.5 bath on 2 acres (bought in 2018, before rates went to absolute shit).

The point is, I can't afford to move anywhere because the cost of living everywhere is too high. For us, it doesn't make financial sense not to have a car.

Because that's how they want it.

[–] humanamerican@lemmy.zip 2 points 3 hours ago

There are unfortunately so many American metro areas like the one you're describing: poor public services in city vs suburbs, more jobs in suburbs, cheaper housing. Its definitely not a natural law of the universe but a result of short-sighted, racist, classist planning and development, and it forces lots of people to live in the burbs even if they'd rather not.

I do want to push back on the monthly car cost a bit. You didn't factor in gas, maintenance, repairs, etc in your own estimate of your car cost. Those really add up and would probably push you closer to the $1000/month/car mark.

Also, your insurance rate seems extremely low. I'm happy for you, but I think you might be an outlier.

[–] CompactFlax@discuss.tchncs.de 6 points 3 hours ago* (last edited 3 hours ago) (1 children)

My electric car costs about us$25 to charge and US$800 to finance and insure monthly. My other car is owned outright and is under $100 for fuel, and $100 for insurance. I’m disregarding depreciation because it’s about cash in hand, and including maintenance puts it about $1000-1100 total.

I think it’s not unreasonable, but you need to assume a fairly short commute. With a pickup truck doing marathon 60 mile commutes, it’s more like $2000 for sure. Per car.

[–] 1dalm@lemmings.world 5 points 3 hours ago (1 children)

You can't disregard depreciation. That's real cost, and regardless how well you take care of your car is not literally going to run forever.

But regardless, you are forgetting to consider maintenance and a lot of other things. And if you are in one accident, especially one where you are at fault, you will find that your cost will rise considerably.

[–] CompactFlax@discuss.tchncs.de 6 points 3 hours ago* (last edited 3 hours ago)

I addressed both depreciation and maintenance.

When I purchase a car, I pay, for example, $50,000. If I enter that as an asset, I need to depreciate it as time and mileage add up - ($10,000) year one, (5000) year two.

If I consider the payments simply as a cost, without considering the value of the vehicle as an asset, I don’t need to consider depreciation. It’s right there on the books as (50,000) in 2026. So that $800 for car payments plus insurance is the total cost of the vehicle. This calculation would only be a problem while I have money owing on the vehicle and try to sell it - which I personally won’t do. I’d rather own a car for 15-20 years if I can.