I understand, and I really wasn't going for bare necessities (that's why I threw transportation and entertainment in there). I guess what I'm saying is that perhaps there's something wrong with society's perceptions of what a "modest" house actually is.
To illustrate, the median house price in the US is around $250k. That's pretty much in line with the rule of thumb that your house should cost at most 5x your gross annual income. So it would seem (at a first approximation) that most houses in the US are affordable, in the strictest, 30-year-mortgage sense of the word, to most households (considering $50k to be the median household income). And a $250k house in most parts of the country is by no means "modest"; we're talking 1500-1800 sq. ft., 2-3 bedrooms, a yard etc. (again outside expensive areas). So if a median-earning household were to spring for a truly modest home (1-2 bedrooms, 1000-1300 sq ft, $100-150k range) it would actually be cheap relative to their income and they could pay it off in < 15 years.
Maybe I'm simplifying too much, or perhaps your experience is different. In which case, of course, we would have differing opinions on this matter.
To illustrate, the median house price in the US is around $250k. That's pretty much in line with the rule of thumb that your house should cost at most 5x your gross annual income. So it would seem (at a first approximation) that most houses in the US are affordable, in the strictest, 30-year-mortgage sense of the word, to most households (considering $50k to be the median household income). And a $250k house in most parts of the country is by no means "modest"; we're talking 1500-1800 sq. ft., 2-3 bedrooms, a yard etc. (again outside expensive areas). So if a median-earning household were to spring for a truly modest home (1-2 bedrooms, 1000-1300 sq ft, $100-150k range) it would actually be cheap relative to their income and they could pay it off in < 15 years.
Maybe I'm simplifying too much, or perhaps your experience is different. In which case, of course, we would have differing opinions on this matter.