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

Salaries increased in nearly every state, but still not enough to afford the typical home. Grace Cary/Getty Images 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.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.Realtor.com senior economist Hannah Jones said that even though households are bringing in more money, an increase in mortgage rates since last year isn't helping."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 Iowa. DenisTangneyJr/Getty Images Median household income: $76,4832024-2025 change in income: 1.30%Additional household income needed to afford the median-priced home: $2,287 Illinois Illinois. Jeremy Poland/Getty Images Median household income: $86,6762024-2025 change in income: 4.16%Additional household income needed to afford the median-priced home: $3,168 Ohio Ohio. Ultima_Gaina/Getty Images Median household income: $74,8042024-2025 change in income: 3.59%Additional household income needed to afford the median-priced home: $3,718 Pennsylvania Pennsylvania. sdominick/Getty Images Median household income: $81,4732024-2025 change in income: 5.07%Additional household income needed to afford the median-priced home: $3,961 Kansas Kansas. Ultima_Gaina/Getty Images Median household income: $77,8242024-2025 change in income: 3.06%Additional household income needed to afford the median-priced home: $4,015 Michigan Michigan. pawel.gaul/Getty Images Median household income: $75,8322024-2025 change in income: 4.76%Additional household income needed to afford the median-priced home: $7,086 Missouri Missouri. Ultima_Gaina/Getty Images Median household income: $75,4852024-2025 change in income: 5.44%Additional household income needed to afford the median-priced home: $7,460 Indiana Indiana. Nicholas Klein/Getty Images Median household income: $74,5162024-2025 change in income: 3.55%Additional household income needed to afford the median-priced home: $8,153 Louisiana Louisiana. Jeremy Poland/Getty Images Median household income: $65,1392024-2025 change in income: 6.81%Additional household income needed to afford the median-priced home: $9,512 Maryland Maryland. halbergman/Getty Images Median household income: $107,7002024-2025 change in income: 4.66%Additional household income needed to afford the median-priced home: $9,806 West Virginia West Virginia. Wirestock/Getty Images Median household income: $61,3402024-2025 change in income: 0.89%Additional household income needed to afford the median-priced home: $10,545 Nebraska Nebraska. halbergman/Getty Images Median household income: $81,6142024-2025 change in income: 6.86%Additional household income needed to afford the median-priced home: $11,008 Minnesota Minnesota. RudyBalasko/Getty Images Median household income: $92,2972024-2025 change in income: 5.95%Additional household income needed to afford the median-priced home: $12,739 Oklahoma Oklahoma. RudyBalasko/Getty Images Median household income: $68,4412024-2025 change in income: 3.47%Additional household income needed to afford the median-priced home: $13,576 Texas Texas. Jeremy Poland/Getty Images Median household income: $82,6252024-2025 change in income: 3.64%Additional household income needed to afford the median-priced home: $15,738 Kentucky Kentucky. Posnov/Getty Images Median household income: $66,4472024-2025 change in income: 2.98%Additional household income needed to afford the median-priced home: $18,648 North Dakota North Dakota. halbergman/Getty Images Median household income: $81,5452024-2025 change in income: 4.72%Additional household income needed to afford the median-priced home: $20,948 Mississippi Mississippi. Dennis MacDonald/Getty Images Median household income: $59,3462024-2025 change in income: 0.37%Additional household income needed to afford the median-priced home: $21,457 Alabama Alabama. Kruck20/Getty Images Median household income: $67,6632024-2025 change in income: 1.51%Additional household income needed to afford the median-priced home: $22,194 Arkansas Arkansas. halbergman/Getty Images Median household income: $65,5882024-2025 change in income: 5.61%Additional household income needed to afford the median-priced home: $22,539 South Dakota South Dakota. Ultima_Gaina/Getty Images Median household income: $80,5062024-2025 change in income: 4.72%Additional household income needed to afford the median-priced home: $23,176 Alaska Alaska. Sophia Zayas/Getty Images Median household income: $95,2202024-2025 change in income: -0.47%Additional household income needed to afford the median-priced home: $25,051 South Carolina South Carolina. Alex Potemkin/Getty Images Median household income: $73,6722024-2025 change in income: 1.83%Additional household income needed to afford the median-priced home: $25,847 Georgia Georgia. halbergman/Getty Images Median household income: $81,8472024-2025 change in income: 2.32%Additional household income needed to afford the median-priced home: $25,913 Virginia Virginia. Sean Pavone/Getty Images Median household income: $99,3222024-2025 change in income: 7.85%Additional household income needed to afford the median-priced home: $26,742 Wisconsin The Milwaukee skyline sits behind the view of the Milwaukee River Jon Mattrisch/Getty Images Median household income: $80,2132024-2025 change in income: 3.52%Additional household income needed to afford the median-priced home: $27,588 Florida Florida. Dmitry Vinogradov/Getty Images Median household income: $80,8462024-2025 change in income: 4.00%Additional household income needed to afford the median-priced home: $32,499 North Carolina North Carolina. Kruck20/Getty Images Median household income: $77,6382024-2025 change in income: 4.98%Additional household income needed to afford the median-priced home: $32,956 District of Columbia District of Columbia. halbergman/Getty Images Median household income: $109,5052024-2025 change in income: -0.18%Additional household income needed to afford the median-priced home: $36,341 New Mexico New Mexico. GummyBone/Getty Images Median household income: $70,3422024-2025 change in income: 3.72%Additional household income needed to afford the median-priced home: $40,107 Delaware Delaware. DenisTangneyJr/Getty Images Median household income: $92,5202024-2025 change in income: 5.70%Additional household income needed to afford the median-priced home: $41,574 Maine Maine. peeterv/Getty Images Median household income: $81,7602024-2025 change in income: 6.96%Additional household income needed to afford the median-priced home: $42,658 Tennessee Tennessee. Sky Noir Photography by Bill Dickinson/Getty Images Median household income: $75,8752024-2025 change in income: 5.39%Additional household income needed to afford the median-priced home: $42,861 Arizona Arizona. Beata Whitehead/Getty Images Median household income: $82,9402024-2025 change in income: 1.78%Additional household income needed to afford the median-priced home: $44,215 Connecticut Connecticut. f11photo/Getty Images Median household income: $100,0562024-2025 change in income: 4.17%Additional household income needed to afford the median-priced home: $44,407 New Jersey New Jersey. halbergman/Getty Images Median household income: $107,7972024-2025 change in income: 3.36%Additional household income needed to afford the median-priced home: $46,896 Nevada Nevada. Nisian Hughes/Getty Images Median household income: $85,1982024-2025 change in income: 5.01%Additional household income needed to afford the median-priced home: $47,515 Vermont Vermont. halbergman/Getty Images Median household income: $86,0182024-2025 change in income: 3.97%Additional household income needed to afford the median-priced home: $52,072 Colorado Colorado. Jon Paciaroni/Getty Images Median household income: $99,7292024-2025 change in income: 2.69%Additional household income needed to afford the median-priced home: $56,208 New Hampshire New Hampshire. Sean Pavone/Getty Images Median household income: $106,7592024-2025 change in income: 6.99%Additional household income needed to afford the median-priced home: $56,367 Wyoming Wyoming. DenisTangneyJr/Getty Images Median household income: $80,8942024-2025 change in income: 7.10%Additional household income needed to afford the median-priced home: $56,381 Utah Utah. Dee Liu/Getty Images Median household income: $99,3112024-2025 change in income: 2.74%Additional household income needed to afford the median-priced home: $60,774 Oregon Portland, Oregon. Jacob Boomsma/Getty Images Median household income: $86,9532024-2025 change in income: 2.03%Additional household income needed to afford the median-priced home: $65,113 Rhode Island Rhode Island. Sanghwan Kim/Getty Images Median household income: $91,0392024-2025 change in income: 9.02%Additional household income needed to afford the median-priced home: $66,529 Washington Washington. Luis Hernandez / 500px/Getty Images Median household income: $101,9462024-2025 change in income: 2.57%Additional household income needed to afford the median-priced home: $74,859 New York New York. LD/Getty Images Median household income: $89,2102024-2025 change in income: 3.95%Additional household income needed to afford the median-priced home: $78,063 Idaho Boise, Idaho. Darwin Fan/Getty Images Median household income: $84,2342024-2025 change in income: 3.78%Additional household income needed to afford the median-priced home: $79,721 Massachusetts Massachusetts. DenisTangneyJr/Getty Images Median household income: $106,5392024-2025 change in income: 1.63%Additional household income needed to afford the median-priced home: $90,940 Hawaii Hawaii. aaaaimages/Getty Images Median household income: $105,0132024-2025 change in income: 4.24%Additional household income needed to afford the median-priced home: $97,498 California California. DenisTangneyJr/Getty Images Median household income: $102,1592024-2025 change in income: 2.01%Additional household income needed to afford the median-priced home: $98,292 Montana Montana. DenisTangneyJr/Getty Images Median household income: $77,0992024-2025 change in income: 2.33%Additional household income needed to afford the median-priced home: $98,469 Read next Business Insider tells the innovative stories you want to know Business Insider tells the innovative stories you want to know Business Insider tells the innovative stories you want to know Business Insider tells the innovative stories you want to know Jordan Pandy reports on real estate for Business Insider. He writes about domestic and international relocation trends, real estate as a business, and the luxury sector.He also has stories focusing on property technology and, in 2022, moderated a panel on fractional investing at the real estate technology conference Blueprint. Before Business Insider, he covered luxury real estate in South Florida for The Real Deal.He holds a Master's degree in Magazine Writing from New York University and a Bachelor's degree in English from Florida State University. He is based in Washington, DC. Housing Affordability Housing Market