Mortgage Affordability by State & Province (2026)

The income you need to buy a median-priced home in every US state and the average home in every Canadian province — with full monthly cost breakdowns. Data from Zillow, Census ACS, Tax Foundation, CREA, and Statistics Canada. See the ranked overview in the 2026 Mortgage Affordability Index, or check your own budget with the Home Affordability Analyzer. For salary-based breakdowns, see how much house you can afford by income, and if you're starting the buying process, read our Complete Guide to Mortgages.

United States

• Alabamaneeds $70,614
• Alaskaneeds $108,841
• Arizonaneeds $116,046
• Arkansasneeds $68,956
• Californianeeds $210,154
• Coloradoneeds $151,225
• Connecticutneeds $133,329
• Delawareneeds $106,833
• District of Columbianeeds $157,359
• Floridaneeds $120,466
• Georgianeeds $95,700
• Hawaiineeds $213,016
• Idahoneeds $126,154
• Illinoisneeds $94,840
• Indiananeeds $73,609
• Iowaneeds $74,199
• Kansasneeds $84,710
• Kentuckyneeds $74,053
• Louisiananeeds $77,091
• Maineneeds $115,341
• Marylandneeds $122,656
• Massachusettsneeds $185,722
• Michiganneeds $81,170
• Minnesotaneeds $105,209
• Mississippineeds $62,027
• Missourineeds $78,892
• Montananeeds $131,484
• Nebraskaneeds $103,660
• Nevadaneeds $118,343
• New Hampshireneeds $150,387
• New Jerseyneeds $176,276
• New Mexiconeeds $90,306
• New Yorkneeds $150,728
• North Carolinaneeds $98,305
• North Dakotaneeds $87,273
• Ohioneeds $74,011
• Oklahomaneeds $75,467
• Oregonneeds $136,933
• Pennsylvanianeeds $84,083
• Rhode Islandneeds $146,304
• South Carolinaneeds $87,028
• South Dakotaneeds $98,189
• Tennesseeneeds $95,040
• Texasneeds $100,396
• Utahneeds $142,010
• Vermontneeds $117,012
• Virginianeeds $115,911
• Washingtonneeds $165,086
• West Virginianeeds $48,369
• Wisconsinneeds $98,221
• Wyomingneeds $98,518

Canada

• Albertaneeds C$156,015
• British Columbianeeds C$256,998
• Manitobaneeds C$124,829
• New Brunswickneeds C$116,128
• Newfoundland and Labradorneeds C$105,690
• Northwest Territoriesneeds C$159,652
• Nova Scotianeeds C$152,008
• Nunavutneeds C$205,727
• Ontarioneeds C$245,518
• Prince Edward Islandneeds C$137,055
• Quebecneeds C$164,989
• Saskatchewanneeds C$110,157
• Yukonneeds C$183,580