I think rent is the big wildcard. People who bought prior to 2021 or so are far better off than people who've been chosing to rent. My mortgage in 2015 was $1

I think rent is the big wildcard. People who bought prior to 2021 or so are far better off than people who've been chosing to rent. My mortgage in 2015 was $1050 a month. I sold it in 2019, and today it rents for $2500, but likely could rent for more given that apartments in the area are now at 2k... That extra 18k/yr is going to affect how comfortable a house making say, 70k, feels at the moment.