Average household income in the US (I’m assuming that’s where you are) are 75k before taxes, after taxes is 58k.
Rent is a national average of 2100 monthly, so, roughly 25k annually. The average american household spends 270 weekly on groceries. That’s 14k annually. The average american household spends 12k on transportation annually. The average american household spends about 10k on medical costs.
So -3K is what you’re left with on average.
Accounting for only necessities, the averages mean that people can’t afford to exist, let alone pay a down payment on an average house. 5% of the national average of 495,000 for a house is 24,750. If we’re going off of averages is about 30k more than Americans make per household per year. And again in this case, since the average leaves us with a deficit of 3k just accounting for necessities, extending the timeline for savings doesn’t do any favors.