<p>Housing costs are tricky. If you are looking at the average family they should have bought their house around 10 years ago and the payments should be relatively fixed at what today would seem like a great deal. They might also still have many thousands in paper profits depending on location. It’s hard to use a bunch of averages to make an overall conclusion. The people who did not get the itch to move up to the superhome or remortgage are looking good 10 years out.</p>