Housing Affordability
Mortgage payment as a percentage of median monthly household income
93.5%91st percentile
1M: ↓ 0.3%
As of 2026-07-01 · Updated October 20, 2026
What it means
- Estimates how much of a typical household's monthly paycheck would go toward a mortgage on a typical home.
- 30% is the conventional affordability threshold — above that, lenders generally consider housing cost-burdened.
- Uses a $400K base home price (scaled by Case-Shiller) and median household income, with a 20% down payment and the prevailing 30-year fixed rate.