A household includes all the people who occupy a housing unit (such as a house or apartment) as their usual place of residence.
A household includes the related family members and all the unrelated people, if any, such as lodgers, foster children, wards, or employees who share the housing unit. A person living alone in a housing unit, or a group of unrelated people sharing a housing unit such as partners or roomers, is also counted as a household.
If your family can't afford to buy a house, then your family doesn't get counted as a household.
That's absolutely not true. A household is one or more people who live in a housing unit. They can be homeowners or renters.