Gonna have to disagree with you. Here in Houston, a city with a medium cost-of-living, the cheapest house that you can get that's in livable condition and isn'

Gonna have to disagree with you. Here in Houston, a city with a medium cost-of-living, the cheapest house that you can get that's in livable condition and isn't outrageously far from where the jobs are is something like $300k. 20% of that is $60k. For us techies or others with a Well-Paying Job™, saving $60k is not a big deal. For pretty much everyone else, saving $60k is a huge feat, even after removing all unnecessary expenses. (Why should "they" have to ride the struggle bus when we techies can blow $18 on lattes and avo toast or whatever's hype these days while still hitting these savings goals?) And when they finally do that 15 years later or whatever, they're competing against the Well-Paying Job™ folks who are rolling equity from the sale of their starter home and putting down all-cash offers. By saying "people will need to get used to buying homes much later in life," what you're essentially proposing is class-redlining the poors (many of whom come from families that were historically-discriminated against home ownership, either directly or indirectly) out of home ownership. I'm going to assume that this isn't what you intended by writing that, but that's how it comes off.