America's killer commute

To afford a middle-class lifestyle, many workers are trading in time at home for time on the interstate. No wonder Americans feel they are literally out of time.

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By Lauren Barack, MSN Money

Colin Deaso, 30, travels more than an hour each way from his home in Sterling, Va., to his financial-services job in Washington, D.C. Though he has a newborn baby at home and is needed there, he schedules his drive around commute traffic. He leaves the house at 6:30 a.m.; in the evening, he waits until he thinks traffic has cleared, getting home by about 7 p.m.

"I despise sitting in traffic," Deaso says. "Don't get me wrong -- it's difficult to leave early in the morning. But we could afford a bigger home here."

Sacrificing hours each day on the road seems like a necessary trade-off to many Americans. Many are willing to move farther away from their jobs as long as weekend time is spent in communities they like, where they can afford the kinds of homes they want. How far is your commute?

"We've seen decentralization for decades now," says Patricia Mokhtarian, a professor in the civil and environmental engineering department at the University of California, Davis. "People are having to travel further away not just to have a house but to have a three-bedroom house with a yard that we can afford." What's the trade-off?

Longer commute times translate directly into savings on housing. Take San Francisco, where the average cost of a home was $1.45 million in 2007, according to Coldwell Banker's Home Price Comparison Index. A 13-mile drive across the bay to Oakland could’ve nabbed you a home for $955,000. Make that $874,000 if you didn't mind driving an extra 12 miles inland to Walnut Creek. That would have been a savings of roughly $575,000 in exchange for a 50-mile daily round trip -- more than $11,000 per mile.

Want another example? Try Dallas, where the average home was $302,000. If you had been willing to trade time on the road for a cut in home prices, you could have driven 21 miles north to Plano to get a house for $204,000 -- or 32 miles west to Fort Worth, where a similar house was just $151,000.

Talk back: What does your commute cost you in time, money and fatigue?

Granted, commuting isn't all downside. In some families -- where the commute time follows rushing the kids to school, dropping shirts at the cleaners and pouring coffee into spill-proof travel mugs -- the commute can be a sanctuary of sorts. Sometimes the car is the only place to steal a few moments alone.

The rest of us seem to be getting used to long commutes. Nearly 2 million Americans now log at least 90 minutes door to door -- what is sometimes referred to as "extreme commuting." Chart: The worst commutes

When Scott Anderegg, 47, took his job as an attorney with the Securities and Exchange Commission

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in Washington, D.C., he thought his family would move from Richmond, Va., to a Washington suburb -- or at least closer to Washington. But his wife has her own law practice in their community, and Anderegg's children say they are happy where they are -- despite their father's nearly six-hour round-trip commute.

"They're not shy about expressing their opinion," he says with a laugh.

Anderegg has grown accustomed to leaving the house at 5:15 a.m. and driving 50 minutes to Fredericksburg, Va., where he catches a commuter train for the final two hours into work. The reverse trip gets him through the front door at 8 p.m., just in time to tuck his kids into bed.

"When I first started I thought, 'I'm the only crazy person doing this,'" he said. "But when I was walking to the parking lot for the commute rail, I noticed a lot of permit stickers on cars from my area. There were at least 60 or 70 people doing exactly the same thing."

Anderegg doesn't own a BlackBerry, the ubiquitous tool of the mass-transit user, but he does use his train time to review work documents. Longer commutes tend to become working commutes, especially for those who carpool or take public transit. Forget eight-hour workdays. Counting commute time, Americans are looking at 50 to 60 hours of work a week.

Calculator: What's the value of your work time?

"The boundaries are falling, which is a two-edged sword," says Mokhtarian, the UC Davis professor. "For some people it's intrusive that they're always available for work. Others find it makes them more effective and frees up time for other things." Handcuffed to work?

Colin Deaso and his wife, Dawn, weren't focused on the work implications when they bought their home. Dawn was seven months pregnant, and they wanted more space and a neighborhood with better schools. Although the new house doubled their mortgage, along with his commute, Deaso feels they made a good move.

"The neighborhood is more laid-back," he says. "There are great schools. No sounds of traffic. I've been very happy with our decision."

Talk back: Do you feel squeezed in the middle class?

Return to Middle Class Crunch home

Published Jan. 29, 2008

Produced by Elizabeth Daza and Peggy Collins

Graphics by Joe Farro and Hakan Isik