2026 Affordability Report
Minimum salary to buy a home
in every US state — 2026
The only free interactive tool showing FHA, conventional, and VA affordability side by side for all 51 states. Enter your salary to instantly see which states you can afford.
Your annual salary — $85,000
$30k$250k
Loan type
14 statesyou can afford
4 borderlinewithin 10% of limit
33 out of reachon current salary
| State | Median price | Monthly PITI | Min salary needed ↑ | Your status |
|---|---|---|---|---|
| WVWest Virginia | $155,000 | $1,143/mo | $48,986/yr | ✓ Affordable |
| MSMississippi | $185,000 | $1,377/mo | $59,014/yr | ✓ Affordable |
| ARArkansas | $195,000 | $1,447/mo | $62,014/yr | ✓ Affordable |
| LALouisiana | $210,000 | $1,546/mo | $66,257/yr | ✓ Affordable |
| ALAlabama | $215,000 | $1,555/mo | $66,643/yr | ✓ Affordable |
| KYKentucky | $205,000 | $1,562/mo | $66,943/yr | ✓ Affordable |
| OKOklahoma | $205,000 | $1,562/mo | $66,943/yr | ✓ Affordable |
| IAIowa | $205,000 | $1,673/mo | $71,700/yr | ✓ Affordable |
| KSKansas | $215,000 | $1,706/mo | $73,114/yr | ✓ Affordable |
| MOMissouri | $235,000 | $1,812/mo | $77,657/yr | ✓ Affordable |
| INIndiana | $240,000 | $1,826/mo | $78,257/yr | ✓ Affordable |
| NDNorth Dakota | $255,000 | $1,947/mo | $83,443/yr | ✓ Affordable |
| MIMichigan | $245,000 | $1,960/mo | $84,000/yr | ✓ Affordable |
| OHOhio | $240,000 | $1,962/mo | $84,086/yr | ✓ Affordable |
| NENebraska | $245,000 | $2,020/mo | $86,571/yr | ⚠ Borderline |
| SCSouth Carolina | $295,000 | $2,161/mo | $92,614/yr | ⚠ Borderline |
| PAPennsylvania | $265,000 | $2,167/mo | $92,871/yr | ⚠ Borderline |
| NMNew Mexico | $295,000 | $2,171/mo | $93,043/yr | ⚠ Borderline |
| SDSouth Dakota | $285,000 | $2,240/mo | $96,000/yr | ✗ Out of reach |
| WIWisconsin | $285,000 | $2,340/mo | $100,286/yr | ✗ Out of reach |
| ILIllinois | $285,000 | $2,378/mo | $101,914/yr | ✗ Out of reach |
| TNTennessee | $320,000 | $2,379/mo | $101,957/yr | ✗ Out of reach |
| WYWyoming | $330,000 | $2,429/mo | $104,100/yr | ✗ Out of reach |
| GAGeorgia | $325,000 | $2,443/mo | $104,700/yr | ✗ Out of reach |
| MNMinnesota | $320,000 | $2,488/mo | $106,629/yr | ✗ Out of reach |
| DEDelaware | $345,000 | $2,542/mo | $108,943/yr | ✗ Out of reach |
| NCNorth Carolina | $340,000 | $2,545/mo | $109,071/yr | ✗ Out of reach |
| AKAlaska | $335,000 | $2,625/mo | $112,500/yr | ✗ Out of reach |
| AZArizona | $375,000 | $2,763/mo | $118,414/yr | ✗ Out of reach |
| TXTexas | $345,000 | $2,841/mo | $121,757/yr | ✗ Out of reach |
| MEMaine | $365,000 | $2,851/mo | $122,186/yr | ✗ Out of reach |
| VAVirginia | $395,000 | $2,989/mo | $128,100/yr | ✗ Out of reach |
| NVNevada | $420,000 | $3,084/mo | $132,171/yr | ✗ Out of reach |
| FLFlorida | $415,000 | $3,151/mo | $135,043/yr | ✗ Out of reach |
| MDMaryland | $420,000 | $3,214/mo | $137,743/yr | ✗ Out of reach |
| VTVermont | $385,000 | $3,228/mo | $138,343/yr | ✗ Out of reach |
| IDIdaho | $435,000 | $3,230/mo | $138,429/yr | ✗ Out of reach |
| CTConnecticut | $395,000 | $3,296/mo | $141,257/yr | ✗ Out of reach |
| MTMontana | $450,000 | $3,383/mo | $144,986/yr | ✗ Out of reach |
| RIRhode Island | $425,000 | $3,411/mo | $146,186/yr | ✗ Out of reach |
| OROregon | $465,000 | $3,562/mo | $152,657/yr | ✗ Out of reach |
| UTUtah | $510,000 | $3,741/mo | $160,329/yr | ✗ Out of reach |
| NYNew York | $485,000 | $3,913/mo | $167,700/yr | ✗ Out of reach |
| NHNew Hampshire | $465,000 | $3,930/mo | $168,429/yr | ✗ Out of reach |
| COColorado | $545,000 | $3,979/mo | $170,529/yr | ✗ Out of reach |
| WAWashington | $545,000 | $4,143/mo | $177,557/yr | ✗ Out of reach |
| NJNew Jersey | $495,000 | $4,443/mo | $190,414/yr | ✗ Out of reach |
| MAMassachusetts | $585,000 | $4,574/mo | $196,029/yr | ✗ Out of reach |
| DCWashington DC | $635,000 | $4,679/mo | $200,529/yr | ✗ Out of reach |
| HIHawaii | $840,000 | $5,993/mo | $256,843/yr | ✗ Out of reach |
| CACalifornia | $825,000 | $6,196/mo | $265,543/yr | ✗ Out of reach |
Methodology: Calculations assume a 30-year fixed mortgage at 2026 rates (FHA: 6.41%, Conventional: 6.82%, VA: 6.12%). Affordability threshold uses the standard 28% front-end debt-to-income ratio. Median home prices sourced from Zillow/NAR Q1 2026 estimates. Property tax rates are state averages. Results are estimates for educational purposes only and do not constitute financial advice. Learn how PITI is calculated →