{"id":909553,"date":"2026-11-07T22:52:15","date_gmt":"2026-11-07T22:52:15","guid":{"rendered":"https:\/\/www.newsbeep.com\/us\/909553\/"},"modified":"2026-11-07T22:52:15","modified_gmt":"2026-11-07T22:52:15","slug":"how-much-more-money-you-need-to-make-to-afford-a-home-in-every-us-state","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/us\/909553\/","title":{"rendered":"How Much More Money You Need to Make to Afford a Home in Every US State"},"content":{"rendered":"

Nearly every state in the US experienced a bump in household income last year, yet it’s still not enough to afford the typical home<\/a>.<\/p>\n

States like Rhode Island and Virginia saw fairly large increases in income from 2024 to 2025 \u2014 9.02% and 7.85%, respectively \u2014 but an additional five figures<\/a> is needed to afford a median-priced home in each state, according to data from the US Census and Realtor.com.<\/p>\n

Realtor.com senior economist Hannah Jones said that even though households are bringing in more money, an increase in mortgage rates<\/a> since last year isn’t helping.<\/p>\n

“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.”<\/p>\n

The national median household income<\/a> was $84,780 in 2025 \u2014 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.<\/p>\n

Realtor calculated the additional amount<\/a> 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. <\/p>\n

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.<\/p>\n

\n Iowa\n <\/p>\n

\"Historic<\/p>\n

Iowa.<\/p>\n

DenisTangneyJr\/Getty Images <\/p>\n

Median household income: $76,483<\/p>\n

2024-2025 change in income: 1.30%<\/p>\n

Additional household income needed to afford the median-priced home: $2,287<\/p>\n

\n Illinois\n <\/p>\n

\"Downtown<\/p>\n

Illinois.<\/p>\n

Jeremy Poland\/Getty Images <\/p>\n

Median household income: $86,676<\/p>\n

2024-2025 change in income: 4.16%<\/p>\n

Additional household income needed to afford the median-priced home: $3,168<\/p>\n

\n Ohio\n <\/p>\n

\"Downtown<\/p>\n

Ohio.<\/p>\n

Ultima_Gaina\/Getty Images <\/p>\n

Median household income: $74,804<\/p>\n

2024-2025 change in income: 3.59%<\/p>\n

Additional household income needed to afford the median-priced home: $3,718<\/p>\n

\n Pennsylvania\n <\/p>\n

\"Downtown<\/p>\n

Pennsylvania.<\/p>\n

sdominick\/Getty Images <\/p>\n

Median household income: $81,473<\/p>\n

2024-2025 change in income: 5.07%<\/p>\n

Additional household income needed to afford the median-priced home: $3,961<\/p>\n

\n Kansas\n <\/p>\n

\"Aerial<\/p>\n

Kansas.<\/p>\n

Ultima_Gaina\/Getty Images <\/p>\n

Median household income: $77,824<\/p>\n

2024-2025 change in income: 3.06%<\/p>\n

Additional household income needed to afford the median-priced home: $4,015<\/p>\n

\n Michigan\n <\/p>\n

\"Detroit<\/p>\n

Michigan.<\/p>\n

pawel.gaul\/Getty Images <\/p>\n

Median household income: $75,832<\/p>\n

2024-2025 change in income: 4.76%<\/p>\n

Additional household income needed to afford the median-priced home: $7,086<\/p>\n

\n Missouri\n <\/p>\n

\"Aerial<\/p>\n

Missouri.<\/p>\n

Ultima_Gaina\/Getty Images <\/p>\n

Median household income: $75,485<\/p>\n

2024-2025 change in income: 5.44%<\/p>\n

Additional household income needed to afford the median-priced home: $7,460<\/p>\n

\n Indiana\n <\/p>\n

\"Downtown<\/p>\n

Indiana.<\/p>\n

Nicholas Klein\/Getty Images <\/p>\n

Median household income: $74,516<\/p>\n

2024-2025 change in income: 3.55%<\/p>\n

Additional household income needed to afford the median-priced home: $8,153<\/p>\n

\n Louisiana\n <\/p>\n

\"Historic<\/p>\n

Louisiana.<\/p>\n

Jeremy Poland\/Getty Images <\/p>\n

Median household income: $65,139<\/p>\n

2024-2025 change in income: 6.81%<\/p>\n

Additional household income needed to afford the median-priced home: $9,512<\/p>\n

\n Maryland\n <\/p>\n

\"Aerial<\/p>\n

Maryland.<\/p>\n

halbergman\/Getty Images <\/p>\n

Median household income: $107,700<\/p>\n

2024-2025 change in income: 4.66%<\/p>\n

Additional household income needed to afford the median-priced home: $9,806<\/p>\n

\n West Virginia\n <\/p>\n

\"Aerial<\/p>\n

West Virginia.<\/p>\n

Wirestock\/Getty Images <\/p>\n

Median household income: $61,340<\/p>\n

2024-2025 change in income: 0.89%<\/p>\n

Additional household income needed to afford the median-priced home: $10,545<\/p>\n

\n Nebraska\n <\/p>\n

\"Aerial<\/p>\n

Nebraska.<\/p>\n

halbergman\/Getty Images <\/p>\n

Median household income: $81,614<\/p>\n

2024-2025 change in income: 6.86%<\/p>\n

Additional household income needed to afford the median-priced home: $11,008<\/p>\n

\n Minnesota\n <\/p>\n

\"Downtown<\/p>\n

Minnesota.<\/p>\n

RudyBalasko\/Getty Images <\/p>\n

Median household income: $92,297<\/p>\n

2024-2025 change in income: 5.95%<\/p>\n

Additional household income needed to afford the median-priced home: $12,739<\/p>\n

\n Oklahoma\n <\/p>\n

\"Downtown<\/p>\n

Oklahoma.<\/p>\n

RudyBalasko\/Getty Images <\/p>\n

Median household income: $68,441<\/p>\n

2024-2025 change in income: 3.47%<\/p>\n

Additional household income needed to afford the median-priced home: $13,576<\/p>\n

\n Texas\n <\/p>\n

\"Downtown<\/p>\n

Texas.<\/p>\n

Jeremy Poland\/Getty Images <\/p>\n

Median household income: $82,625<\/p>\n

2024-2025 change in income: 3.64%<\/p>\n

Additional household income needed to afford the median-priced home: $15,738<\/p>\n

\n Kentucky\n <\/p>\n

\"Aerial<\/p>\n

Kentucky.<\/p>\n

Posnov\/Getty Images <\/p>\n

Median household income: $66,447<\/p>\n

2024-2025 change in income: 2.98%<\/p>\n

Additional household income needed to afford the median-priced home: $18,648<\/p>\n

\n North Dakota\n <\/p>\n

\"Illuminated<\/p>\n

North Dakota.<\/p>\n

halbergman\/Getty Images <\/p>\n

Median household income: $81,545<\/p>\n

2024-2025 change in income: 4.72%<\/p>\n

Additional household income needed to afford the median-priced home: $20,948<\/p>\n

\n Mississippi\n <\/p>\n

\"Aerial<\/p>\n

Mississippi.<\/p>\n

Dennis MacDonald\/Getty Images <\/p>\n

Median household income: $59,346<\/p>\n

2024-2025 change in income: 0.37%<\/p>\n

Additional household income needed to afford the median-priced home: $21,457<\/p>\n

\n Alabama\n <\/p>\n

\"Aerial<\/p>\n

Alabama.<\/p>\n

Kruck20\/Getty Images <\/p>\n

Median household income: $67,663<\/p>\n

2024-2025 change in income: 1.51%<\/p>\n

Additional household income needed to afford the median-priced home: $22,194<\/p>\n

\n Arkansas\n <\/p>\n

\"White<\/p>\n

Arkansas.<\/p>\n

halbergman\/Getty Images <\/p>\n

Median household income: $65,588<\/p>\n

2024-2025 change in income: 5.61%<\/p>\n

Additional household income needed to afford the median-priced home: $22,539<\/p>\n

\n South Dakota\n <\/p>\n

\"Aerial<\/p>\n

South Dakota.<\/p>\n

Ultima_Gaina\/Getty Images <\/p>\n

Median household income: $80,506<\/p>\n

2024-2025 change in income: 4.72%<\/p>\n

Additional household income needed to afford the median-priced home: $23,176<\/p>\n

\n Alaska\n <\/p>\n

\"Colorful<\/p>\n

Alaska.<\/p>\n

Sophia Zayas\/Getty Images <\/p>\n

Median household income: $95,220<\/p>\n

2024-2025 change in income: -0.47%<\/p>\n

Additional household income needed to afford the median-priced home: $25,051<\/p>\n

\n South Carolina\n <\/p>\n

\"Downtown<\/p>\n

South Carolina.<\/p>\n

Alex Potemkin\/Getty Images <\/p>\n

Median household income: $73,672<\/p>\n

2024-2025 change in income: 1.83%<\/p>\n

Additional household income needed to afford the median-priced home: $25,847<\/p>\n

\n Georgia\n <\/p>\n

\"Downtown<\/p>\n

Georgia.<\/p>\n

halbergman\/Getty Images <\/p>\n

Median household income: $81,847<\/p>\n

2024-2025 change in income: 2.32%<\/p>\n

Additional household income needed to afford the median-priced home: $25,913<\/p>\n

\n Virginia\n <\/p>\n

\"Downtown<\/p>\n

Virginia.<\/p>\n

Sean Pavone\/Getty Images <\/p>\n

Median household income: $99,322<\/p>\n

2024-2025 change in income: 7.85%<\/p>\n

Additional household income needed to afford the median-priced home: $26,742<\/p>\n

\n Wisconsin\n <\/p>\n

\"Downtown<\/p>\n

The Milwaukee skyline sits behind the view of the Milwaukee River<\/p>\n

Jon Mattrisch\/Getty Images <\/p>\n

Median household income: $80,213<\/p>\n

2024-2025 change in income: 3.52%<\/p>\n

Additional household income needed to afford the median-priced home: $27,588<\/p>\n

\n Florida\n <\/p>\n

\"Aerial<\/p>\n

Florida.<\/p>\n

Dmitry Vinogradov\/Getty Images <\/p>\n

Median household income: $80,846<\/p>\n

2024-2025 change in income: 4.00%<\/p>\n

Additional household income needed to afford the median-priced home: $32,499<\/p>\n

\n North Carolina\n <\/p>\n

\"Aerial<\/p>\n

North Carolina.<\/p>\n

Kruck20\/Getty Images <\/p>\n

Median household income: $77,638<\/p>\n

2024-2025 change in income: 4.98%<\/p>\n

Additional household income needed to afford the median-priced home: $32,956<\/p>\n

\n District of Columbia\n <\/p>\n

\"Washington<\/p>\n

District of Columbia.<\/p>\n

halbergman\/Getty Images <\/p>\n

Median household income: $109,505<\/p>\n

2024-2025 change in income: -0.18%<\/p>\n

Additional household income needed to afford the median-priced home: $36,341<\/p>\n

\n New Mexico\n <\/p>\n

\"Downtown<\/p>\n

New Mexico.<\/p>\n

GummyBone\/Getty Images <\/p>\n

Median household income: $70,342<\/p>\n

2024-2025 change in income: 3.72%<\/p>\n

Additional household income needed to afford the median-priced home: $40,107<\/p>\n

\n Delaware\n <\/p>\n

\"Historic<\/p>\n

Delaware.<\/p>\n

DenisTangneyJr\/Getty Images <\/p>\n

Median household income: $92,520<\/p>\n

2024-2025 change in income: 5.70%<\/p>\n

Additional household income needed to afford the median-priced home: $41,574<\/p>\n

\n Maine\n <\/p>\n

\"Rocky<\/p>\n

Maine.<\/p>\n

peeterv\/Getty Images <\/p>\n

Median household income: $81,760<\/p>\n

2024-2025 change in income: 6.96%<\/p>\n

Additional household income needed to afford the median-priced home: $42,658<\/p>\n

\n Tennessee\n <\/p>\n

\"Nashville<\/p>\n

Tennessee.<\/p>\n

Sky Noir Photography by Bill Dickinson\/Getty Images <\/p>\n

Median household income: $75,875<\/p>\n

2024-2025 change in income: 5.39%<\/p>\n

Additional household income needed to afford the median-priced home: $42,861<\/p>\n

\n Arizona\n <\/p>\n

\"Desert<\/p>\n

Arizona.<\/p>\n

Beata Whitehead\/Getty Images <\/p>\n

Median household income: $82,940<\/p>\n

2024-2025 change in income: 1.78%<\/p>\n

Additional household income needed to afford the median-priced home: $44,215<\/p>\n

\n Connecticut\n <\/p>\n

\"Hartford<\/p>\n

Connecticut.<\/p>\n

f11photo\/Getty Images <\/p>\n

Median household income: $100,056<\/p>\n

2024-2025 change in income: 4.17%<\/p>\n

Additional household income needed to afford the median-priced home: $44,407<\/p>\n

\n New Jersey\n <\/p>\n

\"Aerial<\/p>\n

New Jersey.<\/p>\n

halbergman\/Getty Images <\/p>\n

Median household income: $107,797<\/p>\n

2024-2025 change in income: 3.36%<\/p>\n

Additional household income needed to afford the median-priced home: $46,896<\/p>\n

\n Nevada\n <\/p>\n

\"Las<\/p>\n

Nevada.<\/p>\n

Nisian Hughes\/Getty Images <\/p>\n

Median household income: $85,198<\/p>\n

2024-2025 change in income: 5.01%<\/p>\n

Additional household income needed to afford the median-priced home: $47,515<\/p>\n

\n Vermont\n <\/p>\n

\"Montpelier\u2019s<\/p>\n

Vermont.<\/p>\n

halbergman\/Getty Images <\/p>\n

Median household income: $86,018<\/p>\n

2024-2025 change in income: 3.97%<\/p>\n

Additional household income needed to afford the median-priced home: $52,072<\/p>\n

\n Colorado\n <\/p>\n

\"Downtown<\/p>\n

Colorado.<\/p>\n

Jon Paciaroni\/Getty Images <\/p>\n

Median household income: $99,729<\/p>\n

2024-2025 change in income: 2.69%<\/p>\n

Additional household income needed to afford the median-priced home: $56,208<\/p>\n

\n New Hampshire\n <\/p>\n

\"Manchester,<\/p>\n

New Hampshire.<\/p>\n

Sean Pavone\/Getty Images <\/p>\n

Median household income: $106,759<\/p>\n

2024-2025 change in income: 6.99%<\/p>\n

Additional household income needed to afford the median-priced home: $56,367<\/p>\n

\n Wyoming\n <\/p>\n

\"Snow-dusted<\/p>\n

Wyoming.<\/p>\n

DenisTangneyJr\/Getty Images <\/p>\n

Median household income: $80,894<\/p>\n

2024-2025 change in income: 7.10%<\/p>\n

Additional household income needed to afford the median-priced home: $56,381<\/p>\n

\n Utah\n <\/p>\n

\"Downtown<\/p>\n

Utah.<\/p>\n

Dee Liu\/Getty Images <\/p>\n

Median household income: $99,311<\/p>\n

2024-2025 change in income: 2.74%<\/p>\n

Additional household income needed to afford the median-priced home: $60,774<\/p>\n

\n Oregon\n <\/p>\n

\"Aerial<\/p>\n

Portland, Oregon.<\/p>\n

Jacob Boomsma\/Getty Images <\/p>\n

Median household income: $86,953<\/p>\n

2024-2025 change in income: 2.03%<\/p>\n

Additional household income needed to afford the median-priced home: $65,113<\/p>\n

\n Rhode Island\n <\/p>\n

\"Downtown<\/p>\n

Rhode Island.<\/p>\n

Sanghwan Kim\/Getty Images <\/p>\n

Median household income: $91,039<\/p>\n

2024-2025 change in income: 9.02%<\/p>\n

Additional household income needed to afford the median-priced home: $66,529<\/p>\n

\n Washington\n <\/p>\n

\"Seattle<\/p>\n

Washington.<\/p>\n

Luis Hernandez \/ 500px\/Getty Images <\/p>\n

Median household income: $101,946<\/p>\n

2024-2025 change in income: 2.57%<\/p>\n

Additional household income needed to afford the median-priced home: $74,859<\/p>\n

\n New York\n <\/p>\n

\"City<\/p>\n

New York.<\/p>\n

LD\/Getty Images <\/p>\n

Median household income: $89,210<\/p>\n

2024-2025 change in income: 3.95%<\/p>\n

Additional household income needed to afford the median-priced home: $78,063<\/p>\n

\n Idaho\n <\/p>\n

\"Boise,<\/p>\n

Boise, Idaho.<\/p>\n

Darwin Fan\/Getty Images <\/p>\n

Median household income: $84,234<\/p>\n

2024-2025 change in income: 3.78%<\/p>\n

Additional household income needed to afford the median-priced home: $79,721<\/p>\n

\n Massachusetts\n <\/p>\n

\"Autumn<\/p>\n

Massachusetts.<\/p>\n

DenisTangneyJr\/Getty Images <\/p>\n

Median household income: $106,539<\/p>\n

2024-2025 change in income: 1.63%<\/p>\n

Additional household income needed to afford the median-priced home: $90,940<\/p>\n

\n Hawaii\n <\/p>\n

\"High-rise<\/p>\n

Hawaii.<\/p>\n

aaaaimages\/Getty Images <\/p>\n

Median household income: $105,013<\/p>\n

2024-2025 change in income: 4.24%<\/p>\n

Additional household income needed to afford the median-priced home: $97,498<\/p>\n

\n California\n <\/p>\n

\"Spanish-style<\/p>\n

California.<\/p>\n

DenisTangneyJr\/Getty Images <\/p>\n

Median household income: $102,159<\/p>\n

2024-2025 change in income: 2.01%<\/p>\n

Additional household income needed to afford the median-priced home: $98,292<\/p>\n

\n Montana\n <\/p>\n

\"Historic<\/p>\n

Montana.<\/p>\n

DenisTangneyJr\/Getty Images <\/p>\n

Median household income: $77,099<\/p>\n

2024-2025 change in income: 2.33%<\/p>\n

Additional household income needed to afford the median-priced home: $98,469<\/p>\n","protected":false},"excerpt":{"rendered":"Nearly every state in the US experienced a bump in household income last year, yet it’s still not…\n","protected":false},"author":2,"featured_media":909554,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[36],"tags":[28,10529,101,52320,32051,380354,3425,380353,90345,380351,15940,380352,85941,880,380355,195131,5148],"class_list":["post-909553","post","type-post","status-publish","format-standard","has-post-thumbnail","category-economy","tag-business","tag-com","tag-economy","tag-figure","tag-home-price","tag-household-income-last-year","tag-income","tag-large-increase","tag-median-household-income","tag-median-priced-home","tag-mortgage-rate","tag-much-more-money","tag-realtor","tag-rhode-island","tag-typical-home","tag-us-state","tag-virginia"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/posts\/909553","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/comments?post=909553"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/posts\/909553\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/media\/909554"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/media?parent=909553"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/categories?post=909553"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/tags?post=909553"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}