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.