Recent reports indicate that the salary needed to afford a typical U.S. home has stabilized near the record high of $110,000. Although some starter homes have become more affordable, rising interest rates pose a challenge for many buyers. In major metropolitan areas, households are still earning significantly less than the required income to purchase a home. While the homebuying income gap has narrowed, home affordability remains elusive for many Americans, particularly in cities like San Francisco where costs continue to rise.