Mike Jopek (@mikejopek.bsky.social)

The typical buyer needs to earn $126,700 a year to afford the U.S. median home price, according to the Harvard center, which is a nearly 60 percent jump from the $79,300 in income required in 2021. #mtpol

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In some markets, even a 0% mortgage wouldn’t make homes affordable The Fed’s recent rate cut won’t bring down borrowing costs enough to offset the rise in housing prices in most major U.S. cities, Zillow’s research suggests. https://www.washingtonpost.com/business/2025/09/18/mortgage-rates-fed-zillow/#:~:text=The%20typical%20buyer%20needs%20to%20earn%20$126%2C700%20a%20year%20to%20afford%20the%20U.S.%20median%20home%20price%2C%20according%20to%20the%20Harvard%20center%2C%20which%20is%20a%20nearly%2060%20percent%20jump%20from%20the%20$79%2C300%20in%20income%20required%20in%202021