Housing is the biggest culprit. It has gone up something like 5x in the last 20 years, while salaries have increased maybe 20%.
What people actually pay for it, though, in terms of mortgage payments as a share of income, is at basically the same level (6%) https://fred.stlouisfed.org/series/MDSP
As long as people buy houses on credit, high house prices only reflect that mortgages are cheap.