Housing can be unaffordable for middle-income households as well. Even households in the third quintile of the income distribution, face a fairly high risk of housing cost overburden. On average in OECD countries 9% of tenant households in the third income quintile are overburdened by housing costs. In some countries, overburden rates are high for third-quintile mortgage payers too: overburden rates for this group are above 20% in Sweden, Ireland and Greece.