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Here's How Much You Need to Make to Afford the Typical House in the U.S. in 2026

October 02, 2026

Americans need to earn $109,796 to afford a typical home, while the median household income is $87,599, creating a $22,197 affordability gap. This gap is shrinking from $28,834 two years ago. First-time buyers need $70,693 to afford entry-level homes. Only three metro areas have median incomes exceeding home costs. San Francisco remains the most expensive, requiring $453,205 income.

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