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. Additional household income needed to afford the median-priced home: $2,287 Additional household income needed to afford the median-priced home: $3,168 Additional household income needed to afford the median-priced home: $3,718 Additional household income needed to afford the median-priced home: $3,961 Additional household income needed to afford the median-priced home: $4,015 Additional household income needed to afford the median-priced home: $7,086 Additional household income needed to afford the median-priced home: $7,460 Additional household income needed to afford the median-priced home: $8,153 Additional household income needed to afford the median-priced home: $9,512 Additional household income needed to afford the median-priced home: $9,806 Additional household income needed to afford the median-priced home: $10,545 Additional household income needed to afford the median-priced home: $11,008 Additional household income needed to afford the median-priced home: $12,739 Additional household income needed to afford the median-priced home: $13,576 Additional household income needed to afford the median-priced home: $15,738 Additional household income needed to afford the median-priced home: $18,648 Additional household income needed to afford the median-priced home: $20,948 Additional household income needed to afford the median-priced home: $21,457 Additional household income needed to afford the median-priced home: $22,194 Additional household income needed to afford the median-priced home: $22,539 Additional household income needed to afford the median-priced home: $23,176 Additional household income needed to afford the median-priced home: $25,051 Additional household income needed to afford the median-priced home: $25,847 Additional household income needed to afford the median-priced home: $25,913 Additional household income needed to afford the median-priced home: $26,742 Additional household income needed to afford the median-priced home: $27,588 Additional household income needed to afford the median-priced home: $32,499 Additional household income needed to afford the median-priced home: $32,956 Additional household income needed to afford the median-priced home: $36,341 Additional household income needed to afford the median-priced home: $40,107 Additional household income needed to afford the median-priced home: $41,574 Additional household income needed to afford t
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