I adjusted for inflation in my numbers above. The median 2001 home cost $180,000 in 2001 dollars. $300,000 in today's dollars. Someone who could purchase a median home in 2001 cannot purchase a median home in 2020 without increasing their monthly cost. Using Google's mortgage calculator and punching in those numbers at 7%:

$1,996 / month in 2001 vs $2,972 / month in 2022

That's in today's dollars, accounting for inflation. Almost 50% more. Feel free to point out an error in my math.