Only 3 of 50 subway regions in the United States meet 30 % of the base for the home for buyers

The 30 % base – those in which potential home buyers limit their mortgage to 30 % of their monthly income – is a common standard that the home buyers usually follow so that the annual cost of the house does not put much pressure on their financial resources.

However, according to a new report issued by RealTor.com, the places where the buyers of the homes can follow this recommendation when purchasing a lesser and further house between the main urban areas of the country.

The ability to afford costs in three areas met in only fifty America is that families that make average income can Sweep The report found that this will not exceed 30 % of their annual profits.

The American Housing Crisis: The CEO of RealTor.com says that there is a way to solve it

RealTor.com He said that he identified the three main areas of the metro, where the 30 % base remains possible by “using a standard payment of 20 % and the average mortgage rate of 6.82 %.” It was also taken into account taxes and insurance.

These metro areas were Pittsburg, Pennsylvania. Detroit Warren Derborn, Michigan; Saint Lewis, Missouri, said the real estate market.

The average annual family income in those cities was $ 72,935, 72,493 dollars and $ 79,869, respectively, according to the report.

In PittsburghThe average annual income of the family needed to be able to place a house of $ 249,900 in the region is 27.4 %. The report linked the amount that the family will need to pay for mortgage, taxes and insurance annually at $ 19,970.

Meanwhile, Detroit Warren Derborn used 29.8 % of the family Annual income For a house asks an average of $ 270,000 in May, according to RealTor.com. The annual mortgage, taxes and insurance to $ 21,576.

The real estate market reported that families in the St. Louis area are able to cover the middle payments at home with 30 % of their annual income, the real estate market said.

“Although the” middle West markets “are still providing a road to ownership of the home family with a medium -income family, which can pay 20 % of the batch provided, it” is still far from the financial forum without major changes in housing supplies or interest rates “in most large markets.

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She said: “The profits have risen, but the costs of building homes have risen faster, which means that adherence to the ability to withstand costs can be challenged if not impossible in many housing markets throughout the country.”

On the national level, RealTor.com found approximately 44.6 % of income necessary for the family to be able to deal financially with a “average price” house.

Some metro areas have seen much higher rates than the average income needed to pay the price of a medium house, such as Los Angeles-Long Beach AntimAs it was 104 %, and New York-Viaren Jersey City, as it reached 66.9 %, according to the report. In the Boston-Gamperbridge-Insone region, 64.3 % of the average family income was.

The only thing that RealTor.com said can help in the ability to withstand costs is to add more homes at reasonable levels.

A separate report issued by the National Association of Real Estate Bladesters and RealTor.com last month Find 30 % of the 100 largest metro areas in America were “areas close to balance” in order to supply homes at reasonable prices across the income levels, while 44 % of the areas are stuck in the center “with” non -alignment but not at the level of crises “housing supply. It was more than a quarter (26 %) markets where” the gap in lists of reasonable prices “continued to win and balance.

Housing that gets more at reasonable prices for middle income people, but supply problems remain

Many adults – 75 % – are considered home ownership American dream componentIn the Reeltor.com poll in January.

The US house ownership rate in the United States was 65.1 % in the first quarter of 2025, according to the Federal Reserve in St. Louis.