U.S. Housing Affordability Map
Set an income level and choose a map layer — starter, median, or family-home affordability, income needed, estimated payment, or rent. States recolor instantly; select any state for estimated payment, income needed, and a link to customize the scenario on Home Payment Atlas.
Preparing the affordability map…
Select any state on the map to see estimated affordability, income needed, and a link to customize the payment on Home Payment Atlas.
State ranking for this view (updates with the controls)
| # | State | Est. home value | Est. payment | Income needed | Score |
|---|---|---|---|---|---|
| 1 | West Virginia | $182,704 | $1,379 | $59,100 | 48 |
| 2 | Iowa | $241,255 | $1,821 | $78,043 | 45 |
| 3 | Kansas | $252,794 | $1,908 | $81,771 | 41 |
| 4 | Oklahoma | $225,437 | $1,702 | $72,943 | 39 |
| 5 | Louisiana | $217,968 | $1,645 | $70,500 | 38 |
| 6 | Mississippi | $198,428 | $1,498 | $64,200 | 38 |
| 7 | Ohio | $251,502 | $1,899 | $81,386 | 38 |
| 8 | Illinois | $298,871 | $2,256 | $96,686 | 37 |
| 9 | Indiana | $262,265 | $1,980 | $84,857 | 35 |
| 10 | Kentucky | $235,363 | $1,777 | $76,157 | 35 |
| 11 | Michigan | $269,972 | $2,038 | $87,343 | 35 |
| 12 | Nebraska | $284,464 | $2,147 | $92,014 | 35 |
| 13 | Alabama | $241,517 | $1,823 | $78,129 | 33 |
| 14 | Arkansas | $228,662 | $1,726 | $73,971 | 33 |
| 15 | North Dakota | $293,556 | $2,216 | $94,971 | 33 |
How these estimates work
Each state combines a typical home value with editable assumptions — a 6.70% rate, 30-year term, 10% down, plus property tax, insurance, and PMI — to estimate a monthly payment, then the income needed so that payment is about 28% of gross pay. Read the full methodology.
Customize this scenario
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About these estimates & data sources
Home values and rents reflect Zillow Research data (ZHVI and ZORI, 2026-06). Household income reflects U.S. Census ACS data. All figures are estimates for general comparison, not appraisals or quotes — confirm details before relying on them.
Home values and rent: Zillow Research (ZHVI, ZORI), 2026-06. Geography and FIPS codes: U.S. Census Bureau (Cartographic Boundary Files). Household income: U.S. Census ACS. Detailed payment math: Home Payment Atlas. Zillow does not endorse this site.
Figures are educational estimates only and are not financial, legal, tax, mortgage, or real-estate advice, and not a loan offer. Verify every number with lenders, agents, tax authorities, and official sources. See our methodology and terms & disclaimer.