PITI is MODELLED, not observed. Sources: HUD FY2026 Income Limits and Freddie Mac PMMS (April 2026), both public domain. Method: 30-year fixed, 20% down, PMMS rate of 7.0% (week ending April 2026), taxes and insurance included. AMI is a HUD administrative figure, not an observed income distribution, so the ratio is a benchmark rather than a count of qualifying households. 25 metros, not a national sample. Bars show required income divided by area median income: above 1.0 means a household earning the area median cannot qualify. 21 of 25 metros are above 1.0; only Pittsburgh (0.70), Cleveland (0.79), Kansas City (0.87) and Columbus (0.91) clear it. Method and full table: https://dreamyleads.com/research/mortgage-affordability-2026-metro-data