You need to look more closely - and think more carefully.
I don't know where you got the "28%" figure, but whether or not you pay a sales tax depends upon how you purchase the home. If you purchase a "used" home it isn't taxed at all and in addition any money you make as investment income is not taxed under the FairTax so you'd be wise to invest some. So by a fairly modest change of plans, you could do quite well under the FairTax.
With the present system on the other hand with any money saved you not only pay income tax on certain types of savings, but, when spent, you also pay what amount to a tax in the form of cascading embedded tax costs in everything you buy in the form of higher prices. This "tax" is not optional under the present system and applies to all you spend and is in addition to any "regular" income tax you may have paid.
Seems to be the tax exclusive rate for the quoted "23%" tax inclusive rate. Something we poor saps are familiar with: you know like 6% sales tax, (tax exclusive) etc. If you purchase a "used" home it isn't taxed at all
Its price would be comparable to a similar "new" home that was taxed.
any money you make as investment income is not taxed under the FairTax so you'd be wise to invest some.
If you did not spend it. That is if you got your thrills from seeing a larger and larger figure on your investment statement, rather than using the money. Whats that?