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Free Financial Calculators & Tools

Mortgage affordability, income percentile, net worth, and more — make smarter financial decisions with data-driven tools.

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What Do You Want to Know?

Housing & Real Estate

How much home can I afford? Mortgage Affordability Calculator → What will my monthly payment be? Mortgage Payment Calculator → What income do I need to buy a home? Income to Afford a Home Calculator →

Wealth & Growth

What’s my income percentile? Income Percentile Calculator → How does my income compare for my age? Income by Age Calculator → How does my net worth compare? Net Worth Percentile Calculator → How fast will my savings grow? Compound Interest Calculator → When will my investments earn more than I contribute? Investment Snowball Calculator →

What Income It Takes to Buy a Home in Your Area

The median-priced home requires more income than the typical U.S. household earns.

Metros where buyers need the most income

San Francisco, CA
$279,800
Los Angeles, CA
$239,100
San Diego, CA
$232,700
Seattle, WA
$185,500
Boston, MA
$178,900
New York, NY
$177,100
Riverside, CA
$145,400
Washington, DC
$143,400
Denver, CO
$142,000
Miami, FL
$117,700
National
$90,400

Metros where buyers need the least income

Pittsburgh, PA
$55,400
Oklahoma City, OK
$60,300
Birmingham, AL
$64,100
Detroit, MI
$64,700
St. Louis, MO
$66,600
Louisville, KY
$68,600
San Antonio, TX
$69,100
Lincoln, NE
$73,600
Cincinnati, OH
$75,100
Philadelphia, PA
$94,200
National
$90,400

Income is based on the Zillow Home Value Index for each metro (Feb 2026), a 6.5% mortgage rate, and a 20% down payment. Assumes spending no more than 30% of annual gross income on housing costs, including home insurance and property taxes.

Calculate the income you need →

Calculators

Mortgage Affordability See how much home you can afford based on income and debts Mortgage Payment Estimate your monthly payment with taxes and insurance Income Percentile Find where your salary ranks among all US earners Income by Age Compare your income to others in your age group Net Worth Percentile See how your net worth stacks up against US households Net Worth by Age Compare your net worth to peers in your age bracket Income to Afford a Home Calculate the minimum income needed to buy a home Compound Interest See how savings grow over time with compound interest

Research & Guides

US median home price by state
Housing Median Home Price by State 2025
US mortgage affordability gap
Affordability The Mortgage Affordability Gap
Income to afford a home USA
Income Income Needed to Afford a Home
US mortgage rate history
Rates 30-Year Mortgage Rate History
US mortgage rates on outstanding mortgages
Rates Mortgage Rates on Outstanding Mortgages
Top 1% income USA
Wealth Top 1% of Income Earners
Top 1% net worth USA
Wealth Top 1% of Net Worth
Home cost to income USA
Housing Home Cost to Income Ratio
Average down payment USA
Housing Average Down Payment
Average mortgage payment USA
Mortgage Average Mortgage Payment
US median household income
Income Median Household Income by State
US average income by state
Income Average Income by State
US median income by state
Income Median Income by State
US minimum wage by state 2025
Income Minimum Wage by State 2025
Mortgage rate lock-in effect
Rates Mortgage Rate Lock-In Effect

Wealthvieu is also available for Canada and the United Kingdom.

Looking for Canadian financial tools? Check out WealthNorth.ca — the dedicated home for Canadian calculators and guides.