Calculator2026 Affordability Report — Free Interactive Tool
Minimum salary to buy a home in all 50 states — 2026
FHA, conventional & VA — Washington D.C. included
✓ Updated with 2026 FHA limits and current mortgage rates
The only free interactive tool showing FHA, conventional, and VA affordability side by side for all 50 states and Washington D.C. Enter your salary to instantly see which states you can afford.
Your annual salary — $85,000
$30k$250k
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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: Conventional APR uses the national Freddie Mac/FRED weekly 30-year fixed survey (currently 6.82%); one Edge Function request per page load (dataType: "fred", state arbitrary). FHA and VA rates scale from conventional using fixed ratios (6.41% FHA / 6.12% VA vs 6.82% conv.) because separate product series are not queried here. FHA single-family ceilings are fixed 2024 statewide values in our dataset (typically $524,225 floor / $1,209,750 HUD high-cost ceiling where applicable)—not fetched live so this table stays stable intra-year. 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 →