In southern California, a starter home goes for $800k or more. Which means it will be a jumbo loan, which means you will likely need the full 20% down. So around $160k plus $3,500 a month. ($1,000 of which is for property taxes and insurance).

Just for the down payment, that's 73 years worth of avacado toast at a slice a day. Millennials must be eating so much avacado toast.

And that's for a house that was built in the 80s and the boomers selling it paid $75k and whose property taxes are still capped at a max growth rate of 2% a year.