How Much House on a $75K Salary? State-by-State (2026)
How much house can I afford on $75K?
On a $75,000 salary, you can afford homes from $247,000 to $293,000 depending on state. Best: Illinois (comfortable). Hardest: California (difficult).
✅ Best: Illinois
Max home: $247,000
Median: $265,000
Affordability score: 0.93×
Verdict: Comfortable
🔴 Hardest: California
Max home: $293,000
Median: $793,000
Affordability score: 0.37×
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.
$75K Salary: State-by-State Comparison
| State | Max Home | Monthly Cost | Take-Home | Median Home | Verdict |
|---|---|---|---|---|---|
| Texas | $250,000 | $1,747 | $5,133 | $305,000 | Tight |
| California | $293,000 | $1,753 | $4,680 | $793,000 | Difficult |
| Florida | $271,000 | $1,752 | $5,133 | $404,000 | Tight |
| New York | $262,000 | $1,753 | $4,705 | $440,000 | Difficult |
| Illinois | $247,000 | $1,747 | $4,823 | $265,000 | Comfortable |
Detailed Breakdown by State
Max: $250,000 · Tight
Max: $293,000 · Difficult
Max: $271,000 · Tight
Max: $262,000 · Difficult
Max: $247,000 · Comfortable
Max: $270,000
Browse by State
Compare Other Salary Levels
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.