how are your savings invested?

I am seeing rates for CDs ranging from ~3.75% for short=term to 5.5% for long-term... This is not great but it is not terrible, if you can afford to put the money into CDs and leave it there.

Also have you considered a condo? Really, in and around your area, the number of people who can actually afford to buy a single family house without going through condo-ownership first is vanishingly small...