What your paycheck buys · Updated every Friday

What a paycheck buys in Florida this week

Out of reach · #33 of 50 on affordability · rate for the week of October 22, 2026

A median Florida household earning $77,920 a year can afford a home of about $246,000 at this week’s 7.32% average 30-year rate. The median Florida listing is $409,950, which would take 46.7% of that household’s gross income, against the usual 28% ceiling.

$246,000

Affordable home price

+$1,622 vs. last week · −$15,522 vs. a year ago

$410,000

Median list price (September 2026)

−$15,050 vs. a year earlier

Affordability index (100 = within reach)

U.S. 66 · Florida 62 a year ago

46.7%

Share of income the median listing takes

$3,030/mo incl. taxes & insurance · U.S. 42.5%

$78,000

Median household income (2025)

U.S. $87,000

#33

Rank of 50 (1 = most affordable)

See the full ranking

Compared with a year ago

A year ago, with the 30-year rate at 6.19%, a median list price of $425,000 and median income of $75,260 (2024 figure), the same household could afford about $262,000 and the median listing took 45.5% of income. Affordability in Florida has worsened since then.

Nearby in the ranking

#31 Connecticut: can afford $320,000, median listing $523,000
#32 Vermont: can afford $301,000, median listing $499,000
#34 New Hampshire: can afford $354,000, median listing $590,000
#35 Arizona: can afford $273,000, median listing $460,000

Florida housing market report → · Florida brokerage directory → · Run your own numbers →

How this is calculated: 28% of gross monthly income for housing, 10% down, a 30-year fixed loan at Freddie Mac’s weekly average, and 1.45% of the price a year for taxes and insurance. Full method, caveats, and sources on the main index page. An educational gauge, not a mortgage quote.