Why would you expect to be able to buy a family house/apartment in the best neighberhoods just because you are in the top income percentile? Wealth percentile matters.
I'm also in the top income percentile in Sweden, and I can basically buy 99.9% of all houses/apartments in Sweden, which I think should be enough for most people..
Let's forget anything crazy. Let's just talk about a 70sqm apartment in Kungsholmen
and of course wealth percentile matters. In fact, I understand that way too well. How do you raise your wealth percentile then? The whole point people are raising is that it's hard to become wealthy in Sweden from income. Actually much harder than in other countries. It might have worked for you in the last 20 or 30 years. Not sure that means it will work for others the same way in the next 30 years.
Come on.. It's the third most expensive district in Sweden.
Also, if you're two 99%ile incomers, Kungsholmen seems perfectly attainable..