The price of bread has increased 272% over the past 22 years.  Likewise, the price of gas has increased dramatically (299%) -- and even the cost of cars has increased 85%.  But the cost of owning a home has not increased at all --- when it comes to monthly payment.

The table above shows how each item has increased in cost over time.  The mere 0.5% increase in the cost of owning a home is derived using the median home price (nationally) and the average interest rate at the time.
 
Perhaps if bread, gas and cars didn't cost so much, more people would be able to afford homes?  ;)