The problem is that it depends on location, and housing prices in the future vs now.

My wife and I bought a house pre covid, and now my mortgage, tax, and insurance combined is about $600 less per month than a 2 bedroom house in my area.

It's also worth about 140k more than when I bought ot 6 years ago.

Obviously we had a very odd few years economically, but it's very difficult to tell the future.

Counter point. Had I spent my 10k down-payment on BTC in 2018, I would have gotten over 2 full coins. So woops.