Average-income families can no longer afford a detached house in more than a quarter of Canada’s largest cities, according to an analysis carried out by The Huffington Post Canada.he average of the mortgage experts’ estimates came to $460,000 — that’s what you can borrow, assuming a household income of $87,000, a 25-year amortization period, a 5-per-cent down payment, no other debts and current mortgage rates.