Home EconomicsProMap

Cost to buy as % of income by ZIP code

An interactive U.S. map of cost to buy as % of income for states, metro areas, counties, ZIP codes and census tracts. Latest data: September 2026. PLUS

Open cost to buy as % of income on the map
Map: Cost to buy as % of income in the U.S. September 2026. ZIP codes.
Cost to buy as % of income in the U.S. September 2026. ZIP codes. Source: Zillow ZHVI (Sep 2026), Freddie Mac PMMS (Sep 2026 average 6.86%), ACS 2024 5-year (income, property tax), U.S. Treasury FIO homeowners premiums (2022), BLS homeowners-insurance price index (Sep 2026). Map: ProMap, Home Economics.

What this measure is

The monthly cost of buying the typical home as a share of the area's median household monthly income, an estimate. The cost assumes 20% down and a 30-year fixed mortgage at the month's average rate, plus the area's own property tax and homeowners insurance. Income comes from the Census Bureau survey and is moved forward to today at its state's recent income growth. Above 28% fails the usual lending rule of thumb.

Source, dates and coverage

Source
Zillow home values, Freddie Mac mortgage rates, Census Bureau American Community Survey and income estimates, US Treasury Federal Insurance Office and Bureau of Labor Statistics data.
Updated
Monthly. Latest data on the map: September 2026.
Areas on the map
States, metro areas, counties, ZIP codes and census tracts.
Group
Affordability & valuation
Access
ProMap Plus ($19 a month or $190 a year).

Values for every place

Cost to buy as % of income is a ProMap Plus measure. The map shows it for the areas listed above. This page shows the map's national picture, the method and the source, and no figures.

ProMap Plus costs $19 a month or $190 a year. A free 7-day trial is offered on the map.

See cost to buy as % of income in ProMap Plus

How to cite

Home Economics (Aziz Sunderji), ProMap, “Cost to buy as % of income”, https://homeeconomics.us/promap/measure/cost-to-buy-share-of-income, accessed 15 November 2026.

Please also credit the original source: Zillow home values, Freddie Mac mortgage rates, Census Bureau American Community Survey and income estimates, US Treasury Federal Insurance Office and Bureau of Labor Statistics data.

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