Where I live (Belgium) it used to be easy. Now it's very difficult. 1 out of 3 young people will never own the home they live in, according to recent statistics from the minister of spatial orientation, ecology and living. A decent house here can be had starting at 300k euro. I would love to take out a loan for a house. However, they require you to retain at least 1500 euro (approximately 1850 dollars USD ) after all your loans are paid (including the one from the house) to qualify for a house loan. I would love to buy alone. It provides more security imho. With my salary most banks estimate that I can take out 170k euro, which buys you a house but a small one and often with a lot of work to be done regarding renovations. It feels kind of bitter. Working hard, doing your best, studying as much as you can and still not being in a position where you can live comfortably. I received an offer for a freelance extra job of 15 hours weekly. Since I'm already doing a 40 hour week, you would think that 15 hours extra would be too much. However, reality is that as a young person in Belgium this is my only way to get myself a house in a reasonable amount of time. Otherwise , if I stick with one job, I would be 35 (!) when I would find myself in a financially comfortable position to buy a house. New generations have it more difficult when it comes to buying real-estate, sadly. It feels like we're going back to medieval times where land was the most precious thing one could own.