Monsey and Mount Vernon, both
suburban towns far from New York City, also turned out to have higher estimated mortgage costs relative to local incomes.
Their cities,
suburban towns, outposts, road networks, canals, and irrigation projects attest to their large and civilized (meaning agricultural) populations
far in excess per square mile than your average hunter - gatherer cultures and their 1 person per square mile population densities spanning the most forbidding deserts, steppes, mountains, and jungles.