The financial picture feels wary as families navigate a housing market that still demands six-figure incomes.

Today, the financial picture feels wary as the gap between wages and housing costs stays wide. Money reported that buyers need to earn $109,796 to afford a typical U.S. home, well above the $87,599 median income. Over on r/FirstTimeHomeBuyer, people are stress-testing their budgets to see if a $435,000 house is manageable. Despite the sticker shock, families are carefully crunching the numbers to find a way forward.