Mumbai's P/I ratio hits 14.3x. India's national average reaches 7.5x. Ghar.tv's 2026 Affordability Crisis Index breaks down housing costs vs. incomes across Mumbai, Delhi NCR, Bengaluru, Hyderabad, Pune, Chennai & Ahmedabad with EMI data, risk analysis, and a 3-year outlook.

A Ghar.tv deep-dive reveals a fractured Indian property market. In Mumbai, home loans consume a staggering 47% of income, creating a high-risk, high-capital market. In stark contrast, Ahmedabad's 18% ratio signals a market anchored by sustainable end-user demand. This report dissects the data and strategy for navigating India's two-speed real estate economy in 2026.

With EMIs consuming nearly 40% of household income, our 2026 analysis maps property affordability stress in Mumbai, Delhi, and Pune. See which cities are most stretched.

India home affordability dynamics are shifting as income growth is projected to surpass residential price appreciation across major metros.

CBRE confirms housing affordability stabilisation across six major Indian metros, driven by rising incomes; analysis unpacks market cues.

64% of India's first-time homebuyers in 2026 are under 35. Ghar.tv's verified city-by-city data report maps yields, prices, and the best markets for young investors.

India's property affordability index shows a widening gap, with EMI-to-income ratios ranging from 18% in Ahmedabad to 47% in Mumbai. Ghar.tv analyzes prices, yields, and growth across 10 cities for 2026.

India's property affordability in 2026 sees Mumbai at 116% EMI-to-income, while Ahmedabad offers 47%. Explore price-to-income ratios across 8 major cities.

India's housing affordability shows divergent trends in 2025 as RBI rate cuts push Mumbai's EMI-to-income ratio below 50% for the first time, while Delhi-NCR witnesses slight pressure due to rising property prices.

RBI's 100 basis point rate cuts in H1 2025 made Mumbai housing affordable for first time, dropping EMI burden to 48% from 50%. Historic milestone for India's costliest real estate market opens doors for middle-class homebuyers.