Median where — housing and income aren't evenly distributed

Only 35% of Americans have a full time job. Also likelihood of being married falls and rises with income. The median of those full timers would be the 17.5% of that group. It would be generous to say there are 2.5% of retired Americans making more yearly income than that median couple, but let us say that. It would still be only 1 in 5 Americans that can afford that $357 thousand dollar house.

Also - around 50 is when earning power peaks. People in their 20s and 30s make less on average. So this median couple might eventually be able to afford a house, but they may be 50 when that happens.

$357000 house for a couple in their 30s. Both put $35k down - or have to pay PMI on top of principal, ~7% interest (if their credit is good!), taxes, home insurance, and in many places an HOA.

Also this is onerous even with two parents working full-time who may have to figure out how to manage raising 2.1 kids. Decades ago in the US, plenty of people were doing this on one income.

Lets just hope those medians is at the same geographical location.