Through 2021, Millennial homeownership is at its average for the past 30 years. The average mortgage payment is the same as it was for Boomers and Gen X. Income is higher than both Gen X and Baby Boomers at the same age. And average student debt is lower than either Gen X or Baby Boomers (although only 10% of Boomers have student debt compared to 20% of Millennials).