20-30%. But the 20-30% is what matters most - safe, walkable community with an absolutely wonderful neighbor.
It's not even a detached home with 6 folks in it, and it has low end everything that I haven't redone (and the only things I've redone have absolutely failed 1st) b/c it's a townhome, and no one pays to upgrade them.
But as a PP said, it will be paid off in 3 years, when I'm doing double duty with colleges...and maybe when paid off, I do finally remodel the crappiest kitchen ever...
The top part is why I never plan to move - well, that, and finances...