A livable wage is a wage a husband can make to raise a family, including housing, food, transportation, schooling, etc.

$20/hr is about $40k/yr. Using 30% towards housing, that means they can only denote $12/yr to housing, or $1k/month. At current interest rates, that translates to a $150,000 house.

What can you get for $150? There's nothing in any area I've looked that was actually habitable ever since the government's COVID debacle.