[fennecfoxen]

1. You live somewhere defective. Now, "defective" is relative and can simply mean "inconvenient" (looong commutes) or it can be an area that's kinda uncool, ugly, subject to crime, constantly overcast, devoid of the interesting stores, subject to drive-by mariachi music attacks, etc.

2. Roommates. You live with someone else.

3. You were grandfathered in, either by owning property or by having a lease which (as a result of city law) essentially grants you immunity to rising rents. Lucky you.