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Wow $45,000 would be twice as much as we need here in Northern Wisconsin. We don't make more than about $25,000 and live fairly comfortably and bought a house this year. No we didn't buy a brand new house and no we don't eat steak every night but we can handle our bills ok and we even get cable television and internet. If we had $45,000 a year we'd be feelin RICH. A factory job around here is about $11/hr and that's a pretty good paying job. Regular jobs like cell phone sales, secretarial, clerical things run around $8-10/hr depending on your qualifications and responsibilities. Before we bought our house we were renting at about $435/mo. Rent is going up but still isn't that much. Rent this year would have been $545/mo heat and water included.
Personally, I can't imagine staying in a city where the income for my skills (elementary education degree) wasn't enough to pay for my needs. I realize relocating isn't cheap either but you do what you can to change what's happening.
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"Always learn the rules so that you can break them properly." Dalai Lama
My Karma just ran over your Dogma. 
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