me to buy a car, etc for e.g. if some household makes 100k and buys a home for 400k, then they are spending around 25-30k on housing? however, if the same house is more reasonably available for 250k or200k, then they are only spending 10-15k on housing, that extra 10k-15k can be used to spur the economy, so whoever in the govt thought keeping mortgage rates low so as to keep housing costs irration