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When you factor all three: wages, interest rates, and home prices, owning a home is more affordable now than ever before. Typically, homeowners spend 21-25% of their income on their mortgage payment. Today that number is 17%. People often forget to consider the income factor when talking about affordability. Yes, homes are more expensive today than they were in 2000, but average wages are significantly higher also. Bottom line is that homes are far more affordable today than ever before.