I am constantly told by people more in the know and my mother that my income can’t even get me a cheap apartment or at least anything that isn’t considered a “ghetto apartment.” I also feel daunted by the costs I see online. But this could also be due to my difficulties understanding how money works. I am challenged in regards to economics and I have a form of dyscalculia that can move numbers around in my memory.
Example: I thought for years the first three digits of my social security number was 624 but it’s actually 642.
My mother is my legal payee so my social security goes to her.
There's always more than what you see or hear, which is just a part of the whole.
Ads for Downtown Vancouver 1-bedroom apartments have an asking price of CAD 2500 / month. But yet the average paid is actually closer to 2200. This is due to a combination of some having price controls, and also that some property owners are happy to rent at lower rates to tenants they trust will take good care of the property and to not cause trouble.
Anyways, what I'm getting at is what what you see when you do a quick casual look is going to typically be higher than what people pay. I see this issue come up in collectibles as well. How often do we come across someone who says "there's someone who has this widget priced at $50 on Ebay" - well, sure, someone is asking $50 for that widget, but taking a look at recent sale prices for that widget would give a much better indicator of what people
actually pay for it.
As for challenges with numbers, you're not alone there. But remember, you're not alone.
Something that I often suggest if someone is looking for housing on a budget but isn't needing to move right away are housing co-ops. Basically, it's a non-profit where the renters are members, and often pitch in with maintenance.
I did a quick search for "Austin co-op" and came across
https://www.chea.coop/
and at
https://www.sasona.org/FAQ.html
Their monthly room rental is $559-909, depending on the size of the room plus an $80 membership which includes utilities and dinner each night. Members also contribute about 5 hours of work per week, as assigned.
As with many co-ops, you would attend some sessions and join a waitlist, and if/when a spot comes up and you're up, you'll be notified.
I think a co-op might work well for you since they're more of a community than a usual apartment or condo rental, and so it may help you feel more connected with others.