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It's afford to rent not afford to own. There are people with full time jobs living out of cars.

I'm sure at 100k you can afford to rent a one room apartment.

Yes, of course. OK, renting is another story.

Americans use the word apartment as something that is rented. You don't buy an apartment, well unless you're a landlord. It's owned by somebody else.

I think the way you are using the word is our "condo", perhaps.