[oh8eleven]

with maybe 3500-4000 per month total mtg payments on both houses, they are just middle class
You think a $4K monthly mortgage is middle class?
That's almost $50K a year which, IIRC, is more than most middle class folks earn in a year.

[Bulwinkle]

in addition to FL and NH, she has to be paying for a place in the D.C. area

[NEMDF]

That is certainly not middle class around here. Middle class is like $1,800/month or LESS for housing costs, including taxes and insurance.