The monthly payment for a typical U.S. home is about $1,850 — $800 (75%) higher than a year ago.
That means a median household earning $71,895 a year is spending over 30% of income on monthly payments, per aIn Austin, a median household is currently spending about 37% of income on monthly payments, up from an average of 24% during 2005-2021.
Current home values would need to fall nearly 36% to go back to affordability levels during that period.It would take a sharp increase in inventory for values to fall that dramatically, something Zillow says is "extremely unlikely."
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