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Home prices mortgage rates and living costs have changed dramatically in recent years leaving many people wondering what it actually takes to afford a home today. In this video, we break down the real financial math behind buying a $300k home in 2026. You’ll learn the income typically required how interest rates affect monthly payments the hidden costs many buyers overlook and how lenders evaluate affordability using debt to income ratios. We also compare different down payment scenarios to show how your monthly payment changes depending on how much cash you bring to the purchase. Whether you are planning to buy your first home upgrading to a larger property or simply trying to understand today’s housing market this step by step explanation will help you see where you stand financially. By the end you’ll have a realistic benchmark for what income level and financial habits make a $300K home affordable in today’s economy. #personalfinance #investing #mortgage