canyouafford

Where can you afford a home?

Enter your household income. Every county in America shows whether the typical home there fits your budget.

$
Per year, before taxes. Everyone on the loan.
Down payment
Under 20% adds mortgage insurance.
$
Car, student loans, cards.
More options
%
30-year fixed. Freddie Mac average, Oct 8, 2026: 7.40%.
%
Lenders' rule of thumb is 28%, and 36% with other debts.
Also counted Each county's property tax rate, insurance at 0.6% of price a year, and mortgage insurance at 0.5% of the loan under 20% down.

1,579 of 3,071 counties

where you can afford the typical home on $80,000 a year.

Loading the map…
  1. Out of reachUnder 50%
  2. Far off50–70%
  3. A stretch70–90%
  4. Right at the edge90–110%
  5. Within reach110–140%
  6. Comfortable140–200%
  7. Room to spareOver 200%

The most you can afford, compared with the typical home price in each county. Striped counties have no home value data.

Look up a county

Or tap any county on the map.

Pick a county to see the monthly cost, the income it takes, and what locals earn.

See it as a list

Counties ranked by what you can afford

How we figure it

The typical home

Zillow's typical home value for each county: the middle of the market, not the cheapest or the fanciest.

The full monthly cost

Principal and interest at today's 30-year rate, plus that county's property tax rate, insurance, and mortgage insurance under 20% down.

The lender rule

Housing up to 28% of gross income, and housing plus other debts up to 36%. More on the method.