Buying The Median US Home Now Takes A $112,700 Salary... And $492,000 In San Jose

Buying The Median US Home Now Takes A $112,700 Salary... And $492,000 In San Jose Buying the national median-priced home ($434,900, per HSH.com's second-quarter 2026 data) takes an income of $112,695 a year with 20% down ($347,920 borrowed) at a 6.41% mortgage rate. That is $9,213 more than in the first quarter, and HSH says affordability worsened in all 50 of the large metros it tracks over the quarter. It is still $1,273 below the second-quarter 2025 figure.San Jose tops the ranking at $492,364 a year, nearly seven times Pittsburgh's $71,567. San Francisco ($367,973), San Diego ($256,735) and Los Angeles ($215,136) follow, and New York City, Boston and Seattle also need more than $200,000. A six-figure income is required in...

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