The thing is you are absolutely correct, but the OP you respond to are the people you are competing with for housing. I've watched astonished as friends of min

The thing is you are absolutely correct, but the OP you respond to are the people you are competing with for housing. I've watched astonished as friends of mine buy homes that end up eating 60%+ of their post-tax income. That is what is being called "affordable" these days.