I don't doubt that your example is 100% true. I'm sure that you can point to a house, or houses, that "prove" your case. But your statement: is about averages, by definition. And like I said, this statement is demonstrably false when you look at California housing and incomes. It's not "my" graph. It's a graph that was created by Los Angeles County. Last time I checked, Los Angeles was in Southern California. Your issue is that you don't understand the difference between an anecdote and data. Yes, you have personal experience with a single data point. Yes, that can be emotionally powerful. But it doesn't--can't--tell the whole story, and the whole story is that on average, you are wrong. That's what the numbers say. No matter how much you want to believe differently, the numbers are what they are.