09/01/2026
I don’t think younger buyers are exaggerating.
I think a lot of people simply haven’t sat down and done the math with TODAY’S home prices.
A $410,000 starter home might sound manageable until you start working backward.
If you’re aiming for 20% down, that’s $82,000 before you even get into closing costs, moving expenses, repairs, or everything else that comes with buying a house.
Now imagine you’re able to save $400 a month after rent, insurance, childcare, groceries, and all the other bills competing for that paycheck.
At that pace, you’re looking at more than 17 years just to reach $82,000.
And meanwhile, the house you’re saving for probably isn’t sitting there politely waiting at $410,000.
That’s where I think some of the generational disconnect comes from.
Someone who bought their first house decades ago may remember scraping together a few thousand dollars and getting in.
Today, somebody can be working hard, saving consistently, doing a lot of things RIGHT, and still feel like homeownership keeps moving farther away.
The discipline still matters.
But pretending the math hasn’t changed doesn’t help anybody.