The problem with averages is that pretty much no one is average. While it’s fairly clear that the housing market as a whole has recovered, Business Insider correctly points out that the recovery is divided by age, race, and location. The location part is fairly obvious, as could be seen in yesterday’s blog post. We touched on these other two issues before, too: Millennials face a higher cost of entry than their parents, limiting options for first-time buyers; and black and hispanic homebuyers lag asians and whites.