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If the average habitant in a country can buy a house and pay the whole credit in his lifetime, I consider this as affordable housing
Depends, do you want that person to be able to have a partner, kids and something to eat? If no then yeah, probably.
At this moment in The Netherlands:
Oh, and there is a huge shortage and building has dropped to less then 10% of what is needed, due to inflation. The only way hiusing is affordable is when you already live in a bought house and have been living there for about 15+ year. (Bought mine in 2000, before the prizes exploded and after that the mortage rates exploded)
Either the income needs to improve a lot (with constant prizes and rates), or the prizes need to collaps (when that happens nobody will move, to expensive)
You probably mean median, right?
But I meant an official one.
Ideally lower than median: closer to Q1. Still, you have to start somewhere.