You cannot cite the average cost of a house while dismissing the idea of buying a house using a mortgage. Mortgages are a part of the housing market and are pa

You cannot cite the average cost of a house while dismissing the idea of buying a house using a mortgage. Mortgages are a part of the housing market and are part of the reason prices are what they are. If there were no mortgages prices would be lower, and the market would be structured completely differently.