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median price of US house for 2010: $222,600, meaning ~45k for average down payment these days. at median income + current 5.8% savings rate....

the typical american can come up with that down payment in about 29 years. or 15 years if you're talking household median income. i guess it's no great surprise that existing home sales are 2/3 to cash investors these days, with only 6% or so going to first time buyers even with recent incentives.

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