Not to be a dick, but if you can't afford a 3 bedroom house in the area, why are you even thinking of adding another child to the equation? What happens if you lose your jobs? What happens if the hubby doesn't get that promotion? Don't get me wrong - affordable housing is something our country is lacking tremendously - especially in major metropolitan areas, but still. If you can't afford the house you want, is adding another mouth to feed the answer?