How much more money you need to make to afford a home in every US state

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How much more money you need to make to afford a home in every US state
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6aedef37eaa5e46dca227978?format=jpeg How much more money you need to make to afford a home in every US state
  • Incomes have increased in nearly every state, but buying a home hasn’t gotten any easier.
  • The national median income is still $31,136 short of affording the median-priced home.
  • Realtor.com data shows that the additional income needed to buy a home ranges from $2,287 to $98,469.

States like Rhode Island and Virginia saw fairly large increases in income from 2024 to 2025 — 9.02% and 7.85%, respectively — but an additional five figures is needed to afford a median-priced home in each state, according to data from the US Census and Realtor.com.

“Mortgage rates are more than one percentage point higher than a year ago, which cuts into buyer budgets and offsets the affordability gains from softening home prices and rising incomes,” Jones said. “Nationally, the median household income is not enough to afford the median-priced home in any state.”

The national median household income was $84,780 in 2025 — a roughly 3.8% increase from the previous year. However, with the national median listing price at $419,250 in September 2026, that’s $31,136 short of the recommended income to buy, assuming a mortgage rate of 7.32% and a 10% down payment, according to Realtor.

Realtor calculated the additional amount needed above the median income to afford the typical home in each state, and found that some require a couple thousand dollars, while others require nearly six figures.

See how much more money you need to afford an average home in each state. States in ascending order of the additional household income needed to afford the median-priced home.

Iowa

6aed5294308912814ed71865?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $76,483

2024-2025 change in income: 1.30%

Additional household income needed to afford the median-priced home: $2,287

Illinois

6aed52ff9270da3cc6668b38?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $86,676

2024-2025 change in income: 4.16%

Additional household income needed to afford the median-priced home: $3,168

Ohio

6a7228994327cd5a0ae2ddfc?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $74,804

2024-2025 change in income: 3.59%

Additional household income needed to afford the median-priced home: $3,718

Pennsylvania

6aed5375308912814ed71869?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $81,473

2024-2025 change in income: 5.07%

Additional household income needed to afford the median-priced home: $3,961

Kansas

6a67b12154f987526177a3e1?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $77,824

2024-2025 change in income: 3.06%

Additional household income needed to afford the median-priced home: $4,015

Michigan

6aed53fa308912814ed7186a?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $75,832

2024-2025 change in income: 4.76%

Additional household income needed to afford the median-priced home: $7,086

Missouri

6aed5467308912814ed7186c?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $75,485

2024-2025 change in income: 5.44%

Additional household income needed to afford the median-priced home: $7,460

Indiana

6aed54ce308912814ed7186e?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $74,516

2024-2025 change in income: 3.55%

Additional household income needed to afford the median-priced home: $8,153

Louisiana

6aed550e308912814ed7186f?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $65,139

2024-2025 change in income: 6.81%

Additional household income needed to afford the median-priced home: $9,512

Maryland

6aed556d9270da3cc6668b3f?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $107,700

2024-2025 change in income: 4.66%

Additional household income needed to afford the median-priced home: $9,806

West Virginia

6aed55b0c54bfafa65abf961?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $61,340

2024-2025 change in income: 0.89%

Additional household income needed to afford the median-priced home: $10,545

Nebraska

6aed55f6c54bfafa65abf962?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $81,614

2024-2025 change in income: 6.86%

Additional household income needed to afford the median-priced home: $11,008

Minnesota

6aed56279270da3cc6668b40?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $92,297

2024-2025 change in income: 5.95%

Additional household income needed to afford the median-priced home: $12,739

Oklahoma

6aed567cc54bfafa65abf964?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $68,441

2024-2025 change in income: 3.47%

Additional household income needed to afford the median-priced home: $13,576

Texas

6aed57149270da3cc6668b42?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $82,625

2024-2025 change in income: 3.64%

Additional household income needed to afford the median-priced home: $15,738

Kentucky

6aed575ac54bfafa65abf965?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $66,447

2024-2025 change in income: 2.98%

Additional household income needed to afford the median-priced home: $18,648

North Dakota

6aed578cc54bfafa65abf966?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $81,545

2024-2025 change in income: 4.72%

Additional household income needed to afford the median-priced home: $20,948

Mississippi

6aed57b69270da3cc6668b44?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $59,346

2024-2025 change in income: 0.37%

Additional household income needed to afford the median-priced home: $21,457

Alabama

6aed584c9270da3cc6668b45?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $67,663

2024-2025 change in income: 1.51%

Additional household income needed to afford the median-priced home: $22,194

Arkansas

6aed58979270da3cc6668b47?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $65,588

2024-2025 change in income: 5.61%

Additional household income needed to afford the median-priced home: $22,539

South Dakota

6a67b58054f987526177a414?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $80,506

2024-2025 change in income: 4.72%

Additional household income needed to afford the median-priced home: $23,176

Alaska

6aed594c9270da3cc6668b48?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $95,220

2024-2025 change in income: -0.47%

Additional household income needed to afford the median-priced home: $25,051

South Carolina

6aed59919270da3cc6668b49?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $73,672

2024-2025 change in income: 1.83%

Additional household income needed to afford the median-priced home: $25,847

Georgia

6aed5a3c9270da3cc6668b4a?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $81,847

2024-2025 change in income: 2.32%

Additional household income needed to afford the median-priced home: $25,913

Virginia

6aed5a8a9270da3cc6668b4b?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $99,322

2024-2025 change in income: 7.85%

Additional household income needed to afford the median-priced home: $26,742

Wisconsin

6aed5ab9c54bfafa65abf96d?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $80,213

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2024-2025 change in income: 3.52%

Additional household income needed to afford the median-priced home: $27,588

Florida

6aed5b07308912814ed71877?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $80,846

2024-2025 change in income: 4.00%

Additional household income needed to afford the median-priced home: $32,499

North Carolina

6a67b36f54f987526177a402?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $77,638

2024-2025 change in income: 4.98%

Additional household income needed to afford the median-priced home: $32,956

District of Columbia

6aed5ba79270da3cc6668b4d?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $109,505

2024-2025 change in income: -0.18%

Additional household income needed to afford the median-priced home: $36,341

New Mexico

6aed5bfcc54bfafa65abf971?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $70,342

2024-2025 change in income: 3.72%

Additional household income needed to afford the median-priced home: $40,107

Delaware

6aed5c359270da3cc6668b4f?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $92,520

2024-2025 change in income: 5.70%

Additional household income needed to afford the median-priced home: $41,574

Maine

6aed5c609270da3cc6668b50?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $81,760

2024-2025 change in income: 6.96%

Additional household income needed to afford the median-priced home: $42,658

Tennessee

6aed5c92c54bfafa65abf974?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $75,875

2024-2025 change in income: 5.39%

Additional household income needed to afford the median-priced home: $42,861

Arizona

6aed5cef308912814ed7187a?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $82,940

2024-2025 change in income: 1.78%

Additional household income needed to afford the median-priced home: $44,215

Connecticut

6aed5d4bc54bfafa65abf975?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $100,056

2024-2025 change in income: 4.17%

Additional household income needed to afford the median-priced home: $44,407

New Jersey

6aed5dcd308912814ed7187c?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $107,797

2024-2025 change in income: 3.36%

Additional household income needed to afford the median-priced home: $46,896

Nevada

6aed5e399270da3cc6668b54?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $85,198

2024-2025 change in income: 5.01%

Additional household income needed to afford the median-priced home: $47,515

Vermont

6aed5e7dc54bfafa65abf978?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $86,018

2024-2025 change in income: 3.97%

Additional household income needed to afford the median-priced home: $52,072

Colorado

6aed5ebec54bfafa65abf97b?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $99,729

2024-2025 change in income: 2.69%

Additional household income needed to afford the median-priced home: $56,208

New Hampshire

6aed5f3b9270da3cc6668b5a?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $106,759

2024-2025 change in income: 6.99%

Additional household income needed to afford the median-priced home: $56,367

Wyoming

6a67b2d2ce52cb26b8394690?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $80,894

2024-2025 change in income: 7.10%

Additional household income needed to afford the median-priced home: $56,381

Utah

6aed60b3308912814ed71885?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $99,311

2024-2025 change in income: 2.74%

Additional household income needed to afford the median-priced home: $60,774

Oregon

69cc07876a864f6fcd7bbff3?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $86,953

2024-2025 change in income: 2.03%

Additional household income needed to afford the median-priced home: $65,113

Rhode Island

6aed6100308912814ed71886?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $91,039

2024-2025 change in income: 9.02%

Additional household income needed to afford the median-priced home: $66,529

Washington

6aed613c9270da3cc6668b5e?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $101,946

2024-2025 change in income: 2.57%

Additional household income needed to afford the median-priced home: $74,859

New York

6aed619c9270da3cc6668b60?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $89,210

2024-2025 change in income: 3.95%

Additional household income needed to afford the median-priced home: $78,063

Idaho

6a67b4a2548c9c486b3110bf?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $84,234

2024-2025 change in income: 3.78%

Additional household income needed to afford the median-priced home: $79,721

Massachusetts

6aed61e09270da3cc6668b61?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $106,539

2024-2025 change in income: 1.63%

Additional household income needed to afford the median-priced home: $90,940

Hawaii

6aed62329270da3cc6668b62?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $105,013

2024-2025 change in income: 4.24%

Additional household income needed to afford the median-priced home: $97,498

California

6aed627c308912814ed71889?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $102,159

2024-2025 change in income: 2.01%

Additional household income needed to afford the median-priced home: $98,292

Montana

6aed62fec54bfafa65abf984?format=jpeg How much more money you need to make to afford a home in every US state

Median household income: $77,099

2024-2025 change in income: 2.33%

Additional household income needed to afford the median-priced home: $98,469

Read the original article on Business Insider

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