There's such a thing as a personal inflation rate. CPIH in the UK for example includes the cost of housing but the weighting of housing is effectively an avera

There's such a thing as a personal inflation rate. CPIH in the UK for example includes the cost of housing but the weighting of housing is effectively an average of a teenager, a mid life family and a pensioner. It comes out at like 20% weight which is well under what most people spend on housing.