WhereCanIAfford › Raleigh, NC › On $325,000

Is Raleigh, NC affordable on a $325,000 salary?

YES On $325,000/yr, the typical $431,269 home in Raleigh, NC needs $132,446/yr ($3,090/mo). Your gap: +$192,554 — housing would be 11.4% of your gross income.

The math

431,269 price − 10% down (43,127) = 388,142 loan
30-yr fixed at 6.95% on 388,142 = 2,569/mo principal+interest
+ 521/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,090/mo PITI ÷ 0.28 = 11,037/mo → 132,446/yr required

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

What salary WOULD clear Raleigh, NC?

You need about $132,446/yr for the typical home. On $325,000 you already clear it by $192,554.

On $300,000? On $350,000? On $375,000?

See the full Raleigh, NC affordability breakdown → or every metro you can afford on $325,000 →