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.

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.