Anyone struggling to afford housing while making $190,000 (let alone more) is either grossly incompetent with money or is confusing "struggling to pay for housing" with "not being able to afford as big or fancy a house as they'd like". If you go with the standard 30% for housing costs vs income (which to anyone making $80,000 or less is impossible), you're looking at $4750/month. That's not a struggle by anyone's definition.