WhereCanIAfford › Des Moines, IA › On $75,000

Is Des Moines, IA affordable on a $75,000 salary?

NO On $75,000/yr, the typical $294,192 home in Des Moines, IA needs $90,349/yr ($2,108/mo). Your gap: $-15,349 — housing would be 33.7% of your gross income.

The math

294,192 price − 10% down (29,419) = 264,773 loan
30-yr fixed at 6.95% on 264,773 = 1,753/mo principal+interest
+ 355/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,108/mo PITI ÷ 0.28 = 7,529/mo → 90,349/yr required

against Zillow ZHVI 2026-08 and the 6.95% FRED 30-yr rate (2026-09-17).

What salary WOULD clear Des Moines, IA?

You need about $90,349/yr for the typical home. That's $15,349 more than $75,000.

On $50,000? On $100,000? On $125,000?

See the full Des Moines, IA affordability breakdown → or every metro you can afford on $75,000 →