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Line

Home Payment to Income

Monthly principal and interest on a median new home as a share of median household income, %

31.1% in Oct 2026+7.2 pp since Oct 2021
YTD1y2y5y10y20yAll
ForecastOffContinuationForesight™
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U.S. recessionsShades the months the NBER dates as recession. U.S. charts only.5-year rangeThe highest and lowest readings of the last five years, as a band. One-series charts only.High and lowMarks the highest and lowest readings in the window shown.
Current·Data to Oct 2026

Plays the chart through its history. Pauses are where the data set a record or moved most.

Continuation · the recent trend, flattening · 30 days

Dashed: the projection from the latest reading. Shaded: the range about two in three outcomes land in. A projection, not a promise.

Assumes a conventional down payment and a 30-year fixed rate. Excludes taxes, insurance and fees.

A single affordability gauge that combines home prices, mortgage rates and income. It rises when prices or rates climb faster than incomes.

What this chart reads

Sources

Home Payment-to-Income (Palanor). Source: Computed by Palanor from US Census Bureau and Freddie Mac data via FRED. Inputs: fred_median_home_price (MSPUS), fred_mortgage30 (MORTGAGE30US), fred_median_household_income_nominal (MEHOINUSA646N). Computed in src/lib/household/sync.ts.

Charts are drawn from Palanor's signal library and recomputed from source data on every view. Transformations (changes, indexing, year-on-year rates) are Palanor's.

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