# Graph: Housing Affordability Index (Fixed)©

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Copyright, 2014, National Association of Realtors. Reprinted with permission.

Measures the degree to which a typical family can afford the monthly mortgage payments on a typical home.

Value of 100 means that a family with the median income has exactly enough income to qualify for a mortgage on a median-priced home. An index above 100 signifies that family earning the median income has more than enough income to qualify for a mortgage loan on a median-priced home, assuming a 20 percent down payment. This index is calculated for fixed mortgages.

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Suggested Citation
``` National Association of Realtors, Housing Affordability Index (Fixed)© [FIXHAI], retrieved from FRED, Federal Reserve Bank of St. Louis https://research.stlouisfed.org/fred2/series/FIXHAI/, May 30, 2015. ```

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