Years to Save for a 20% Down Payment with Dual Incomes

Assuming couples already have the average savings—$103,140 for those without children and $73,890 for those with children—how many additional years would they need to save to afford a 20% down payment on a median-priced home in the 50 largest metropolitan statistical areas in the U.S.? Additionally, how many years would it take for couples starting from scratch without any savings?

Median incomes were sourced from the U.S. Census. (Median Family Income in the Past 12 Months (in 2023 Inflation-Adjusted Dollars) by Family Type by Presence of Own Children Under 18 Years. Average savings by family type was sourced from the Federal Reserve's "Survey of Consumer Finances, 1989-2022".
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