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> I'm in NYC now, but keep circling back to Philly. We're renting for ~3200 now a one bedroom 650sqft in NYC, both work from home. ... While in Philly we could get a trinity, small town house three floors plus basement, about 900sqft, in downtown for ~2200.

Where in NYC are you and how does it compare to downtown philly? $3500 NYC rent means you're living in a hip/gentrified neighborhood. You can certainly find cheaper apartments if you are willing to go deeper into Queens. Whole houses? They exist but are in the 4-6k range as well ( friends aunt rents a home in belle harbor for something like 4-5k/month). By me (ozone park) the rent is not that high (~1600+)and we have plenty of busses and the A train. Further north is woodhaven with busses and J&Z train. You can go further east but you are now past most subways.



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