Want more housing market stories from Lance Lambert’s ResiClub in your inbox? Subscribe to the ResiClub newsletter. Most Read from Fast Company A recent Zillow analysis suggests it would take a drop of more than one percentage point—to 4.43%—for the median-income U.S. homebuyer to comfortably afford the median-priced U.S. home. And that assumes a 20% down payment, which many first-time buyers are unable to make. Even more striking, in several high-cost coastal metros, not even a 0% mortgage rate would m ...