Yes, you're reading it wrong. It is not just tracking S&P 500 vs the average house value. It does not assume that would ever have no housing costs. The calcu

Yes, you're reading it wrong. It is not just tracking S&P 500 vs the average house value. It does not assume that would ever have no housing costs. The calculators in question model housing costs, rental costs, mortgage rates, and all the rest of it.