I'd say it's more interesting to look at income-after-taxes vs monthly payments. The same payments/gross income ratio for a worker earning a median salary is a

I'd say it's more interesting to look at income-after-taxes vs monthly payments. The same payments/gross income ratio for a worker earning a median salary is a lot better than for someone earning $400k (as the payments to net salary ratio for the latter is higher). Not to mention the probability of sustaining the income at the current level in the next 20 years is probably different as well.