A home for sale in a Brooklyn neighborhood in New York City on March 31, 2021. Spencer Platt/Getty Images
States in the Midwest and South received all of the “A” and “B” grades for affordability and new homebuilding awarded in Realtor.com’s 2026 Affordability & Homebuilding Report Cards released on June 15. Indiana took the top spot with an “A,” moving up from fourth place last year, while New York ranked last with an “F.”
Indiana homebuyers can purchase a typical single-family home for a median price of $295,810, spending about 28.3 percent of their average monthly income on mortgage payments—below the 30 percent threshold used to define affordability. In New York, potential buyers would need to spend 55.2 percent of their household income to cover the mortgage costs at a median listing of $668,173.
