Housing Affordability Dashboard

Analyze housing costs, PITI payments, and affordability stress across all US states

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Stress Level Definitions

Comfortable (<25% ratio)

Housing costs are well within reach for the average household

Normal (25-30% ratio)

Housing costs are within the recommended range

Stretched (30-40% ratio)

Housing costs exceed recommended limits

Risk (>40% ratio)

Housing costs are severely burdensome

Most Affordable States

Least Affordable States

What is PITI?

PITI stands for Principal, Interest, Taxes, and Insurance - the four components of a typical monthly mortgage payment. Lenders use PITI to assess whether borrowers can afford a home by comparing it to their income (the affordability ratio).

The 28/36 Rule

Financial advisors recommend spending no more than 28% of gross monthly income on housing costs (PITI) and no more than 36% on total debt. States with affordability ratios above 30% are considered "stretched" and above 40% are considered "at risk."