middleclass households are not immune on average nearly of mortgaged middleclass homeowners are overburdened by their monthly mortgage payment across oecd countries significant numbers of people are homeless while statistics are difficult to compare most oecd countries report that to people in every thousand lack regular access to housing in addition many households live in lowquality dwellings of lowincome households live in overcrowded dwellings and do not have access to an indoor flushing toilet