For that new Town home in 1990 with 10% down and prevailing 10% interest rates the PMI was $1,540, and you paid an average of 2.1 points or $3,680 to get the loan
In 2015 at $595,000 with 10% down and prevailing 3.75% interest rate your monthly payment is $1,673 points now average .6 or $3,213 to get the loan.
Primary Mortgage Market Survey Archives - 30 Year Fixed Rate Mortgages - Freddie Mac
In my neighborhood homes were worth about $130,000 and property taxes $2,000 per year in 1990 and now the homes average value is about $185,000 and property taxes average $1,500 per year. Which means the PMI is now $771 down from $1,026, with the savings in property taxes home ownership here is $295 less expensive per month in 2015 than in 1990.
In 1990 new car loans were still typically for 3 years and at the prevailing 11.5% interest the monthly payment would be $197. A 4 year loan would have meant payments of $156.00.
Today a new car at $15,000 with 1% interest for 60 months would mean a payment of $256. A 3 year loan with interest rates as they were in 1990 would mean payments of $495 per month, and the house would have a payment of $4,700 at 10 percent mortgage rates.