A $595,000 house would require about $30,000 down minimum, then a $565,000 mortgage….that would require at least $200,000 in annual income, IIRC…and the borrower would be paying private mortgage insurance….to avoid that, the buyer would need a down pmt closer to $120,000. Some areas in the country have experienced great appreciation over the past several decades, others not so much, such as where I live. Maybe cracking that nut of the $565,000 mortgage is doable for a young person/couple in Western Montana…I’m sure real estate taxes are a sizable chunk as well. Principal and Interest would be about $3760/month on a 30 year fixed mortgage of 7%. Taxes, insurance, and PMI would probably bring that monthly pmt North of $5,000.