Yes and how about also people in older generations who are done paying off mortgages and now live paying just the real estate tax.

I assure you I pay a lot more than just the real estate tax (and insurance). There's a ton of maintenance in general. Even with insurance, I was just out a good $50K with a middle of the night kitchen fire.

Because they purchased. And they stayed there. I think people forget that boomers bought their houses 20 30, 40 years ago, and they stayed there. It's not like they bought it 10 years ago and all of a sudden it went up dramatically. I don't think a lot of people consider that longer timeline, it's just easier to blame "boomers."