Construction costs are currently skyrocketing

Net salary from 1660 gross minimum wage = 1,318 euros
+ tax-free tips = ?
+ 3 x maintenance advance at 177 euros = 531 euros
+ 2 x child benefit at 219 euros = 438 euros
+ 1 x child benefit at 225 euros = 225 euros
+ housing allowance subsidy with 1000 euros rent = 920 euros
-----------
money available per month: 3,432 euros

But you definitely have to deduct childcare costs 3 times, otherwise the work won’t work out. Unless you assume that you live in federal states that spend money from fiscal equalization for benefits that the payers themselves cannot afford (big question: why is that?). A full-day place in the daycare costs about 240€ per month here in the south. For children over 3 years old, I think it’s a bit cheaper; in any case, you can offset the entire child benefit against the childcare. And bringing 3 small children to daycare every morning is not something you just do casually. For me, just one child is enough to stress me out in the morning ;)

I've been interested in that for a while too. In our neighborhood, there are 3 female hairdressers whose husbands also didn't attend university (which doesn't necessarily mean anything) and obviously were able to afford these houses for 1 million.

Then just walk over, ring the bell and ask if it gives you sleepless nights. :D These are the dear neighbors who care about their residents.

Full-day place in the daycare costs about €240 per month here in the south.

That was good. "Here in the south" one can gladly pay almost €600 – like we do. At €240 I would do a little dance around the village square.

Net salary from 1660 gross minimum wage = 1,318 euros
+ tax-free tips = ?
+ 3 x maintenance advance payments at 177 euros = 531 euros
+ 2 x child benefit at 219 euros = 438 euros
+ 1 x child benefit at 225 euros = 225 euros
+ housing subsidy with 1,000 euro rent = 920 euros
-----------
money available per month: 3,432 euros

I think, upon closer consideration and taking into account the initial reactions here to your calculation, you yourself realize that this is quite nonsense or that other factors like childcare costs significantly affect your calculation ...
Just consider that with three kids you also need an appropriate apartment ...

By the way, I deliberately chose this example because I grew up exactly under these conditions – so I know what I’m talking about. ;-) It certainly wasn’t easy, and savings were made everywhere ...

But the majority of our neighbors do work as lawyers, teachers, doctors, engineers after all...

Exactly, those will be the ones in the future who will still be able to afford building a house. Provided the wife has learned the hairdressing trade. The rest will then live in the ghetto.

Something is finally happening at the neighboring construction site. Just now, a heavily loaded truck with construction steel drove by. For fun, I called the ironmonger to ask about the current price. Of course, without a reinforcement plan, it was only general small talk. Currently about €1,600-1,750/t depending on the processing level needed. The much more interesting thing is the delivery time of currently only one week. The warehouse is well stocked and prices are slowly coming back, was the gist. Of course, a high level but it is currently affordable to properly meet the demand.

One can only hope that it stays that way.