It's no secret that becoming a homeowner is financially out of reach for many millennials and Gen Z buyers. Zillow data shows that in 2025, the typical median-income family would need to earn about $17,670 more this year than last to afford the mortgage on a typical US home. It couldn't happen at a worse time. While home prices are dipping in some cities, they remain high nationwide. And even though mortgage rates have edged lower week by week, they're still hovering around 6% — a far cry from