• According to Realtor.com, the median household income recommended to purchase a three-bedroom home in Vermont is $143,168.
• The analysis compared the actual median household income to the recommended median household income to buy a median-priced three-bedroom home in each state.
• Hawaii is the least affordable place to buy a home, according to the analysis.

Owning a home in the United States can seem like an impossible dream right now, as a new analysis by Realtor.com found that in nearly half of states, the typical four-person family does not earn enough to afford a median-priced three-bedroom home.

The analysis found that in Vermont, it is recommended that a family of four have an annual median income of $143,168 to buy a home.

Realtor.com ranked the top ten most affordable and least affordable states in the country. The rankings are based off of an analysis that compared the actual median household income to the recommended median household income to buy a median-priced three-bedroom home in each state.

Vermont did not make either list, putting it somewhere in the middle for affordability. However, it is one of 35 states where families need to make six figures to buy a home.

How much does a family of four in Vermont need to earn to buy a home?

According to Realtor.com’s analysis, the median household income recommended to purchase a three-bedroom home in Vermont is $143,168.

The median income needed was calculated by factoring a rate of 6.65% on a 30-year fixed mortgage, property taxes, and insurance, and assume a 10% down payment, according to the website.

In which states do buyers need the highest incomes to purchase a home?

Hawaii is the least affordable place to buy a home, according to the analysis. 

The median household income recommended to buy a home in Hawaii is $229,341 as the median home price is $796,947. However, the median income for a family of four is $133,656 – about 41% less than the minimum recommended income.

“Hawaii and California are among the nation’s most expensive states. Even though the typical four-person family income in these states is relatively high, it pales in comparison to home prices,” said Realtor.com senior economic research analyst Hannah Jones.

Here are the states where families of four need the highest incomes to buy a three-bedroom house.

In which states do buyers need the lowest incomes to buy a home?

If you’re looking for affordability, try the Midwest. Ohio, Michigan, and Illinois are the three most affordable states in this category.

In Ohio, a family of four has a median annual income of $113,453. That’s much more than the recommended $74,000 recommended to buy a home in the state, which has a median price of $259,450.

Here are the states where families of four with the lowest incomes can buy a three-bedroom house.

What is the median income recommended for buying a home in each state?

• Alabama: $92,583
• Alaska: $121,585
• Arizona: $140,578
• Arkansas: $83,440
• California: $209,643 
• Colorado: $161,002 
• Connecticut: $143,729
• Delaware: $137,986
• Florida: $125,182 
• Georgia: $109,354
• Hawaii: $229,341
• Idaho: $163,153
• Illinois: $83,440
• Indiana: $80,418
• Iowa: $80,562
• Kansas: $80,662
• Kentucky: $86,044
• Louisiana: $79,138
• Maine: $129,340
• Maryland: $117,505
• Massachusetts: $215,816
• Michigan: $76,361
• Minnesota: $109,627
• Mississippi: $83,426
• Missouri: $83,167
• Montana: $176,513 
• Nebraska: $99,836
• Nevada: 139,742
• New Hampshire: $165,456
• New Jersey: $156,822
• New Mexico: $112,146
• New York: $189,923
• North Carolina: $114,951
• North Dakota: $104,555
• Ohio: $74,663
• Oklahoma: $84,892
• Oregon: $158276
• Pennsylvania: $85,397
• Rhode Island: $151,067
• South Carolina: $101,426 
• South Dakota: $107196
• Tennessee: $120,855
• Texas: $102,160
• Utah: $168,693
• Vermont: $143,168 
• Virginia: $121,534
• Washington: $174,700 
• West Virginia: $71,080
• Wisconsin: $109,196
• Wyoming: $132,297