: Cleveland ( $66,280 ) and Pittsburgh ( $64,106 ) remain among the most accessible major markets. Upfront Cash Requirements
: A more conservative "safety net" recommending: how much income is needed to buy a home
To comfortably afford a median-priced home in the United States as of April 2026, a household typically needs an annual income of approximately . This figure assumes a 20% down payment and standard mortgage terms, though actual requirements vary significantly based on your local market, existing debt, and down payment size. The Core Affordability Rules : Cleveland ( $66,280 ) and Pittsburgh (