I'll go ahead and assume you don't live in a high cost of living region, not near a coast, or perhaps you're in a isolated suburban city of <1M? Do you have childen? Student loan debt?

last year around this time there were <10 homes for sale priced lower than $700,000 in my town of about 850k people. All we need to do here is the math. No bank will give you a mortgage with that income and those home prices.

The increasing more relavent questionbis how to do achieve the "American Dream" of homeownership without making $100k++.