[lumost]

In Manhattan, it's pretty lux :) If you expand your radius to Brooklyn and the other burrows you can get a modern renovated brownstone with 4k sqft for similar pricing and a 20 minute commute to wherever you need to go in Manhattan. Adding in 100k per year doesn't change the math too much Our hypothetical individual would retire in 13 years. However it's worth highlighting that the costs for this hypothetical individual will fall by ~30% following the kids graduation from college.

Now, in theory - there is nothing which stops one from scaling housing costs arbitrarily high. If Musk desired, he could buy the New Yorker hotel and turn it into his house.