Fold Says Housing Exceeds Affordability Threshold in All 50 Largest US Metros
Bitget2026/10/28 15:12- U.S. housing affordability remains strained, with the home-price-to-income ratio at 4.75, down from its 2022 peak of 5.81.
- All 50 largest U.S. metropolitan areas exceeded the 2.6 affordability threshold as of early 2026.
- An estimated 65% of U.S. households cannot afford a median-priced new home.
- First-time buyers accounted for 21% of purchases in 2025, down from 44% in 1981.
- Among renter households, 49.7% spend more than 30% of income on housing, highlighting affordability pressures beyond homeownership.
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