Come on. I just purchased my first home in my late 20s and I am one of the very few in my circle to do it. To suggest anyone has a 400 dollar mortgage payment is just ridiculous and untrue. MY rate is 2.78%. I pay $1000 and thats on the very cheap side for where I live. Average is 1700 and up(I live in an isolated area, but an extremely dense/populated state)

Your comment seems disingenuous. You're also discounting the fact that you need a large downpayment (10,000+) to even get a mortgage in the first place. Do you not live in the USA? Housing prices are a real problem for my generation.