In early 2021 the typical buyer of a median-priced US home (20% down, 30-year fixed) paid about a month in principal and interest. Mortgage rates have since climbed to . What price does that same monthly payment buy today?
Your guess
Median price paid in Q2 2026 was .
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Pick the quarter whose payment you want to keep. Then set the mortgage rate to see what that payment buys.
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All quarters (table)
Sources and method
Median sales price of houses sold for the United States (MSPUS), Census Bureau and HUD, quarterly: fred.stlouisfed.org/series/MSPUS. Latest quarter in this page: Q2 2026.
30-year fixed mortgage rate (MORTGAGE30US), Freddie Mac Primary Mortgage Market Survey, weekly; quarterly figures here are simple averages of the weekly values; the latest reading is the week of 15 Oct 2026: fred.stlouisfed.org/series/MORTGAGE30US.
Median household income in current dollars (MEHOINUSA646N), Census Bureau, annual to 2025: fred.stlouisfed.org/series/MEHOINUSA646N. 2026 quarters reuse the 2025 value.
All series were downloaded from the St. Louis Fed FRED service, which republishes the original agency data (a secondary channel).
Method: payment = standard 30-year fixed principal and interest on the median price minus the down payment. Taxes, insurance, fees and the fact that the median buyer differs from the median household are ignored. A model of one typical home, not advice about any purchase or financing.