How Much House on a $100K Salary? State-by-State (2026)
How much house can I afford on $100K?
On a $100,000 salary, you can afford homes from $330,000 to $390,000 depending on state. Best: Illinois (affordable). Hardest: California (difficult).
✅ Best: Illinois
Max home: $330,000
Median: $265,000
Affordability score: 1.25×
Verdict: Affordable
🔴 Hardest: California
Max home: $390,000
Median: $793,000
Affordability score: 0.49×
Verdict: Difficult
Best and Hardest are ranked by the same affordability score: max affordable home price ÷ state median home price. A score above 1.00× means the salary reaches homes priced above the state median.
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State data assumptions (2026-01): State figures are estimates, not statutory lookups: state income tax uses a single effective rate (states with progressive brackets are approximated for a $50k–$100k salary, not the top marginal rate), and property tax, insurance and median home price are statewide averages. Federal tax and FICA come from the 2026 federal engine.
$100K Salary: State-by-State Comparison
| State | Max Home | Monthly Cost | Take-Home | Median Home | Verdict |
|---|---|---|---|---|---|
| Texas | $334,000 | $2,335 | $6,598 | $305,000 | Comfortable |
| California | $390,000 | $2,333 | $5,994 | $793,000 | Difficult |
| Florida | $361,000 | $2,334 | $6,598 | $404,000 | Tight |
| New York | $349,000 | $2,335 | $6,028 | $440,000 | Tight |
| Illinois | $330,000 | $2,335 | $6,186 | $265,000 | Affordable |
Detailed Breakdown by State
Max: $334,000 · Comfortable
Max: $390,000 · Difficult
Max: $361,000 · Tight
Max: $349,000 · Tight
Max: $330,000 · Affordable
Max: $360,000
Browse by State
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Calculations use the 28% DTI rule, IRS 2026 federal tax brackets, state-specific income and property tax rates, and a 6.5% 30-year fixed mortgage rate.