Over the last 16 years I've worked with a wide range of clients. Most of my clients fall within the median but of course there are many that make more or less than the median.

An important thing to understand is that income is not fixed. There are many things you can do to increase it. But even those making below $75k can afford a down payment on a home if they free up the money that's going toward debt, make changes to their budget, and choose an appropriately priced house.