07/24/2026
There is nothing right or good about this.
A “starter home” used to mean small, simple, and maybe a little outdated.
Now Zillow says 242 cities in America have entry-level homes priced at $1 million or more.
That phrase should stop everybody for a second.
Because Zillow isn’t talking about mansions.
They define starter homes as homes in the lowest third of values in a given area. In plain English, that means the cheaper end of the market.
So in 242 cities, the cheap end is now seven figures.
That’s not normal.
That’s not just “people need to work harder.”
That’s not solved by skipping coffee, canceling Netflix, or packing your lunch like every financial guru with a ring light keeps saying.
Personal responsibility matters. It always has.
But there is a difference between being responsible and pretending the math has not changed.
When the bottom rung of the housing ladder costs $1 million, the problem is bigger than budgeting.
It’s supply.
It’s zoning.
It’s land costs.
It’s interest rates.
It’s investor demand.
It’s cities that spent years making it hard to build enough housing, then acted shocked when the housing that did exist became wildly expensive.
And here’s the part that really matters.
A lot of people aren’t asking for a dream home.
They’re not asking for a mansion.
They’re not asking for five bedrooms, a pool, and a view.
They’re asking for a modest place to start.
A place to raise kids.
A place where the payment doesn’t eat the whole paycheck.
A place where one generation can build what the previous generation was able to build at a much lower cost.
That’s why this hits a nerve.
Because when a starter home starts at $1 million, it stops being a starter home.
It becomes a scoreboard for how badly we’ve broken the first step.