Income needed to buy by ZIP code
An interactive U.S. map of income needed to buy for states, metro areas, counties, ZIP codes and census tracts. Latest data: September 2026. PLUS
Open income needed to buy on the map
What this measure is
The household income at which the monthly cost of buying the typical home takes up 28% of income. 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. It is an estimate of what buying costs today, not what buyers in the area actually earn.
Source, dates and coverage
- Source
- Zillow home values, Freddie Mac mortgage rates, Census Bureau American Community Survey, 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
Income needed to buy 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 income needed to buy in ProMap PlusHow to cite
Please also credit the original source: Zillow home values, Freddie Mac mortgage rates, Census Bureau American Community Survey, US Treasury Federal Insurance Office and Bureau of Labor Statistics data.
More affordability & valuation measures
- Monthly cost to buy
- Cost to buy as % of income
- Price-to-income ratio
- Price-to-income vs 2000–19
- Home value vs 2022 peak
- Fall in the 2007–12 crash
- Zillow forecast: next 12 months
- Price-to-rent ratio
- Gross rental yield
- Owning minus renting (monthly)
- For-sale inventory vs 2017–19
- Homes sold vs 2017–19
- Owners with a mortgage