A Surprising Reality
There is some very interesting data about how many years of saving it takes to buy a house today. Even people who are in the top 5% income group are facing big difficulty. In many cities, the gap between income and house prices has become very large.

Example from Big Cities
Take an example from Maharashtra. The average yearly income for top earners is around ₹11 lakh.

If someone saves 30% of that income, they can save about ₹3 lakh per year. But the price of a small 1100 sq ft house is around ₹3.5 crore. At this rate, it can take more than 100 years to buy a house.

Situation in Other Cities
This problem is not just in one place. In cities like Gurugram, the situation is also very tough. Even top earners may need more than 60 years of saving to buy a house. In some states, prices are slightly lower, but still very high compared to income. This shows that housing is becoming less affordable everywhere.

Income vs House Prices Gap
The main issue is that house prices are growing faster than income. Even when people earn more, prices increase even faster. Because of this, the gap never reduces. This makes it very difficult for most people to think about owning a home.

Similar Pattern in Markets
This situation is similar to what we see in the stock market. The best companies often stay expensive. No matter how much the market grows, their prices remain high. In the same way, houses also remain costly and rarely become affordable.

What Can Be Done
There is no easy solution to this problem. People are trying different ways like having two or three incomes in a family. Some depend on inheritance or family support. The best approach is to start early, work hard, and try to buy a house at a younger age. Because right now, it does not look like prices will come down anytime soon.