A general view of a house with a for sale sign in front of it as seen in Hawthorne, NJ on November 8, 2025. Christopher Sadowski

Homeownership has long been part of the American dream , but that dream has been deferred.

Households in their 30s have an ownership rate of just 42% —more than 20 points lower that the national average.

The median age of all home buyers is a record-breaking 59, and the age of a first-time buyer is 40 — up from 29 in 1981.

As a solution, the Trump administration is floating a 50-year mortgage.

Though I disagree with that specific idea, I am heartened that they are brainstorming ways to tackle the problem.

We need a Marshall Plan for housing, a collection of broad initiatives to make homes more affordable and put the dream back on track.

The federal go

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