Student loan debt is a financial headache for most people fresh out of college. Conventional wisdom says to hold off for a few years, but a new RealtyTrac report suggests that while homeownership may be more difficult for new graduates, it’s not impossible. Average student debt nationwise is $8,969, but these graduates need to earn 34% more than graduates with NO student loan debt. Minimum household income with student loans is $34,394, but with no student loan then $27,064 OR can make less money to buy a house with no student loans. 4 our of 5 Gen Z teens say homeownership is the most important factor in achieving the American Dream.