Dan, you never answered the question: Are your total housing costs $700 a month???
I'm guessing few in the Jewish community area pay anywhere near that. Especially since that equates to a $250k loan with 0% interest and no property tax/insurance. With 3.75%/30y interest and no property tax, that payment increases to $1167. With 1.75% property tax, that payment increases to $1576 a year.
I admit that I'm simplifying things a bit, but $700 is unreasonable IMO.