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75% of U.S. Homes Unaffordable for Average Families

12/9/2025

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Summary

Story summary

According to Bankrate, more than 75% of U.S. homes are unaffordable for typical families.
The typical household would need about $113,000 in income to buy a median-priced home around $435,000.
In 2024, only 24% of home sales went to first-time buyers, down from 50% in 2010.
A Great Housing Reset is anticipated in 2026, with income growth expected to outpace home-price growth.

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Story summary

According to Bankrate, more than 75% of U.S. homes are unaffordable for typical families.
The typical household would need about $113,000 in income to buy a median-priced home around $435,000.
In 2024, only 24% of home sales went to first-time buyers, down from 50% in 2010.
A Great Housing Reset is anticipated in 2026, with income growth expected to outpace home-price growth.