A viral LinkedIn post exposes how India's middle class, despite dual incomes, cannot afford homes that their parents bought on single salaries, revealing deep structural problems in the country's housing market

RBI's 100 basis point rate cuts in H1 2025 made Mumbai housing affordable for first time, dropping EMI burden to 48% from 50%. Historic milestone for India's costliest real estate market opens doors for middle-class homebuyers.

Urban India's socio-economic landscape is undergoing a dramatic shift. According to Kantar’s ‘India at Crossroads’ report, the number of affluent households in cities has jumped by 86% from 2019 to 2024.

Many middle-class Indians are losing their goal of home ownership as property prices rise, making affordable homes scarce. With the average property costing ₹1.2 crore to ₹1.4 crore, homeownership is becoming increasingly difficult to achieve.

Since the Indian housing market is middle-class, house loan interest rates greatly impact home buying emotion. Individuals and families intending to purchase a house (one of the major choices of their life) must also consider interest rates and EMI expenses.