Reviewed by Doretha Clemon Fact checked by Heather van der Hoop If you’re in the market to buy a home and you’re not a high-income earner, you know how difficult it can seem to make your homeownership dreams a reality.

However, you may have more options than you think. You might also have the impression that those goals are getting harder and harder to achieve. Since the financial crisis of 2008, home prices have increased three times faster than income, according to a recent 2021 study.