My wife and I make a little under that. We were lucky to inherit ~40k, saved another 40k ourselves and bought in the Taunton area in 2019. House was 325k, we put 20% down and refinanced when rates bottomed out at 3%. Now rates are over double that and our home is valued at over 400k. I don't know how young workers are expected to afford houses now.

In essence, it's luck. Luck to have decent jobs. Luck to find a cheap apartment to save money. Luck to be ready to buy (which at the time felt like the top of the market). And luck to refinance afterwards.