[encoderer]

"For someone making $100k a year, that's not much. For someone making $20,000 a year (rounded up) it's a big bite and it definitely changes the affordability calculation."

Taxes don't work like that of course. The $100k a year person is paying a higher percentage than the low income person. That $20k earner you mention will probably have a very low nominal tax rate after calculating down to their AGI.