Archive · 19 Dec 2025
Middle Class Struggles to Buy Homes
Many people in India want to buy a house, but it's getting harder.
A long time ago, parents could buy a house when they were 35 years old.
Now, even though people earn more money, houses and other things cost much more.
This is because the price of houses and other things goes up faster than people's salaries.
Some people borrow money to buy things, which makes the prices go up even more.
The price of houses in India went up by 15% in the last year, which is a lot.
This makes it even harder for people to buy a house.
Indian middle class finds it difficult to buy homes due to asset price appreciation.
Salaries grow slower (6%) than asset prices, making home ownership challenging.
Residential real estate market saw a 15% total return over the past year.
Finance Housing Total Return Index (TRI) rose from 228 to 263 (Sep 2024-Sep 2025).
Debt and increased trading amplify asset prices, widening the wealth gap.
- Who
- Indian middle class
- What
- Struggle to buy homes due to asset price appreciation
- When
- Present and future
- Where
- India
- Why
- Asset prices growing faster than salaries
- Median Monthly Salary in 2025
- Rs 27,300-29,400
- Asset Price Appreciation
- Faster than salary growth
- Residential Real Estate Growth
- 15% total return over past year
- Finance Housing Total Return Index (TRI)
- Rose from 228 to 263 (Sep 2024-Sep 2025)
- Salary Growth Rate
- 6% (in line with inflation)