A Boring Dystopia

Let me pop in as a high school teacher in the US. I make decent pay, but it took me over a decade climbing the pay ladder to reach this point. It's only been in the last five years that I've made enough to afford the mortgage on a house (well, prior to all of the rate hikes, but that's another issue entirely). But there's another problem: You're expected to put in 10% of the value (even with first-time buyer incentives) as a down payment (I last looked with any seriousness in '22). I have yet to be able to put away 5% of the average costs in my region, much less 10%. Every time I start building back up, other costs drain most or all of that within a year or two. Unless the housing market bursts big time, I'm not likely to be able to afford a home anytime soon. Note: I would rather keep renting than take a variable-rate mortgage; the last three years have seen previously affordable mortgages with variable rates go sky-high.