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- 13 Southern Cities Where You Need To Earn Six Figures To Afford a Typical Home</p>
<p>Heather TaylorAugust 15, 2025 at 8:13 PM</p>
<p>benedek / Getty Images/iStockphoto</p>
<p>Many Americans would be able to afford homes for sale in the South, especially those looking at housing markets in lower cost-of-living cities. However, there are an increasing number of Southern cities where a six-figure income is necessary if you want to buy a typical home for sale.</p>
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<p>The full data can be found in a June 2025 Clever Real Estate study that outlined 50 of America's largest cities where buyers need to make $100,000 to afford a home. Thirteen of these cities are based in the South. If you wanted to buy a home in Miami, you'd need to earn $188,008 annually — and that's with a 20% down payment.</p>
<p>Here are 13 Southern cities where you need a six-figure income to afford a home – and you might be surprised by the cities that made the list.</p>
<p>Sean Pavone / Getty Images/iStockphotoBaltimore -</p>
<p>Median household income: $94,289</p>
<p>Median home sales price (April 2025): $395,000</p>
<p>Income needed with 20% down: $111,649</p>
<p>Income gap to afford median home with 20% down: $17,360</p>
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<p>Sean Pavone / Getty Images/iStockphotoRichmond, Virginia -</p>
<p>Median household income: $84,332</p>
<p>Median home sales price (April 2025): $400,000</p>
<p>Income needed with 20% down: $106,909</p>
<p>Income gap to afford median home with 20% down: $22,577</p>
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<p>graphiknation / Getty Images/iStockphotoAtlanta -</p>
<p>Median household income: $86,505</p>
<p>Median home sales price (April 2025): $400,000</p>
<p>Income needed with 20% down: $109,760</p>
<p>Income gap to afford median home with 20% down: $23,255</p>
<p>Sean Pavone / Getty Images/iStockphotoRaleigh, North Carolina -</p>
<p>Median household income: $96,096</p>
<p>Median home sales price (April 2025): $441,000</p>
<p>Income needed with 20% down: $120,069</p>
<p>Income gap to afford median home with 20% down: $23,973</p>
<p>Sean Pavone / Getty Images/iStockphotoCharlotte, North Carolina -</p>
<p>Median household income: $81,262</p>
<p>Median home sales price (April 2025): $409,000</p>
<p>Income needed with 20% down: $107,912</p>
<p>Income gap to afford median home with 20% down: $26,650</p>
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<p>LUNAMARINA / Getty Images/iStockphotoHouston -</p>
<p>Median household income: $79,463</p>
<p>Median home sales price (April 2025): $340,000</p>
<p>Income needed with 20% down: $115,194</p>
<p>Income gap to afford median home with 20% down: $35,731</p>
<p>LUNAMARINA / Getty Images/iStockphotoJacksonville, Florida -</p>
<p>Median household income: $77,044</p>
<p>Median home sales price (April 2025): $370,000</p>
<p>Income needed with 20% down: $115,831</p>
<p>Income gap to afford median home with 20% down: $38,787</p>
<p>RoschetzkyIstockPhoto / iStock.comAustin, Texas -</p>
<p>Median household income: $98,508</p>
<p>Median home sales price (April 2025): $450,000</p>
<p>Income needed with 20% down: $139,062</p>
<p>Income gap to afford median home with 20% down: $40,554</p>
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<p>Vito Palmisano / Getty Images/iStockphotoNashville, Tennessee -</p>
<p>Median household income: $84,685</p>
<p>Median home sales price (April 2025): $470,000</p>
<p>Income needed with 20% down: $126,705</p>
<p>Income gap to afford median home with 20% down: $42,020</p>
<p>csfotoimages / Getty ImagesTampa, Florida -</p>
<p>Median household income: $72,743</p>
<p>Median home sales price (April 2025): $370,000</p>
<p>Income needed with 20% down: $116,256</p>
<p>Income gap to afford median home with 20% down: $43,513</p>
<p>Sean Pavone / Getty Images/iStockphotoOrlando, Florida -</p>
<p>Median household income: $77,378</p>
<p>Median home sales price (April 2025): $408,000</p>
<p>Income needed with 20% down: $128,233</p>
<p>Income gap to afford median home with 20% down: $50,855</p>
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<p>typhoonski / Getty Images/iStockphotoDallas -</p>
<p>Median household income: $86,860</p>
<p>Median home sales price (April 2025): $425,000</p>
<p>Income needed with 20% down: $138,791</p>
<p>Income gap to afford median home with 20% down: $51,931</p>
<p>THEPALMER / Getty ImagesMiami -</p>
<p>Median household income: $76,271</p>
<p>Median home sales price (April 2025): $590,000</p>
<p>Income needed with 20% down: $188,008</p>
<p>Income gap to afford median home with 20% down: $111,737</p>
<p>Editor's note: Data was sourced from Clever Real Estate and is accurate as of Aug. 6, 2025.</p>
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<p>This article originally appeared on GOBankingRates.com: 13 Southern Cities Where You Need To Earn Six Figures To Afford a Typical Home</p>
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