The Unpredicted vs. the Over-Expected

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The average age of a first-time home buyer has risen to an all-time-high of 40 years old, which may be no surprise as the median sales price of an American home reached $405,000 in the last quarter of 2025, according to the Federal Reserve Bank of St. Louis. A person looking to put up the optimal 20% down payment on a median priced home would have to save $81,000 to avoid paying private mortgage insurance (PMI).

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\n“Those T cells were providing a critical signal to keep the activation of the innate system, which typically lasts for a few days or a week, but in this case, it could last for three months,” Pulendran said.

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