I know there's a lot of strong opinions about this, so I'll list out a few different rules.

I'll start with estimates on the max amount a mortgage lender might approve.

Then I'll do the Dave Ramsey 25% of net take home rule

Then I'll do the 30% of gross income rule.

It varies state by state because of property taxes, homeowners insurance, and even income tax (if you're going off of net instead of gross)

Here it goes!

Part 1: The max a lender might approve

This assumes no other debts besides the mortgage. and a max debt to income ratio of 49.99%, a mortgage insurance factor of 0.0025 and a down payment of 5% (basically take this amount and times by .95 for the max loan amount)

I rounded up to the nearest thousand

State	Purchase price
AK	$599,000
AL	$586,000
AR	$607,000
AZ	$584,000
CA	$595,000
CO	$587,000
CT	$546,000
DE	$626,000
FL	$531,000
GA	$582,000
HI	$619,000
IA	$618,000
ID	$515,000
IL	$584,000
IN	$547,000
KS	$524,000
KY	$565,000
LA	$534,000
MA	$586,000
MD	$584,000
ME	$575,000
MI	$559,000
MN	$558,000
MO	$576,000
MS	$574,000
MT	$583,000
NC	$500,000
ND	$618,000
NE	$565,000
NH	$545,000
NJ	$581,000
NM	$583,000
NV	$591,000
NY	$563,000
OH	$553,000
OK	$546,000
OR	$591,000
PA	$560,000
RI	$569,000
SC	$593,000
SD	$549,000
TN	$599,000
TX	$520,000
UT	$617,000
VA	$568,000
VT	$590,000
WA	$583,000
WI	$613,000
WV	$539,000
WY	$607,000

Part 2: The Dave Ramsey 25% of net rule

This considers NET instead of GROSS income. Net is the take home after federal and state income taxes and social security.

State	Purchase price
AK	$240,000
AL	$215,000
AR	$209,000
AZ	$231,000
CA	$222,000
CO	$209,000
CT	$206,000
DE	$240,000
FL	$185,000
GA	$215,000
HI	$227,000
IA	$200,000
ID	$232,000
IL	$232,000
IN	$191,000
KS	$225,000
KY	$175,000
LA	$199,000
MA	$167,000
MD	$216,000
ME	$217,000
MI	$208,000
MN	$199,000
MO	$210,000
MS	$203,000
MT	$205,000
NC	$218,000
ND	$210,000
NE	$150,000
NH	$231,000
NJ	$205,000
NM	$218,000
NV	$253,000
NY	$213,000
OH	$214,000
OK	$184,000
OR	$216,000
PA	$219,000
RI	$206,000
SC	$210,000
SD	$211,000
TN	$234,000
TX	$193,000
UT	$235,000
VA	$219,000
VT	$214,000
WA	$235,000
WI	$205,000
WV	$231,000
WY	$247,000

Part 3: 30% of gross income rule

This is basically 19.99% less on the ratios than the max a lender would approve. It's closer to the middle between the Dave Ramsey rule, and the max lender approval rule

State	Purchase price
AK	$347,000
AL	$345,000
AR	$335,000
AZ	$353,000
CA	$349,000
CO	$335,000
CT	$320,000
DE	$371,000
FL	$291,000
GA	$339,000
HI	$366,000
IA	$317,000
ID	$365,000
IL	$300,000
IN	$343,000
KS	$294,000
KY	$322,000
LA	$390,000
MA	$337,000
MD	$343,000
ME	$346,000
MI	$325,000
MN	$323,000
MO	$333,000
MS	$329,000
MT	$336,000
NC	$344,000
ND	$325,000
NE	$271,000
NH	$334,000
NJ	$322,000
NM	$344,000
NV	$366,000
NY	$340,000
OH	$326,000
OK	$306,000
OR	$350,000
PA	$331,000
RI	$330,000
SC	$344,000
SD	$315,000
TN	$347,000
TX	$294,000
UT	$364,000
VA	$346,000
VT	$337,000
WA	$343,000
WI	$318,000
WV	$363,000
WY	$358,000

Part 4 all 3 side by side

Here's all 3 so you can compare them side by side

State	Lender	30%Gross	25%Net
AK	$599,000	$347,000	$240,000
AL	$586,000	$345,000	$215,000
AR	$607,000	$335,000	$209,000
AZ	$584,000	$353,000	$231,000
CA	$595,000	$349,000	$222,000
CO	$587,000	$335,000	$209,000
CT	$546,000	$320,000	$206,000
DE	$626,000	$371,000	$240,000
FL	$531,000	$291,000	$185,000
GA	$582,000	$339,000	$215,000
HI	$619,000	$366,000	$227,000
IA	$618,000	$317,000	$200,000
ID	$515,000	$365,000	$232,000
IL	$584,000	$300,000	$191,000
IN	$547,000	$343,000	$225,000
KS	$524,000	$294,000	$175,000
KY	$565,000	$322,000	$199,000
LA	$534,000	$290,000	$167,000
MA	$586,000	$337,000	$216,000
MD	$584,000	$343,000	$217,000
ME	$575,000	$346,000	$217,000
MI	$559,000	$325,000	$208,000
MN	$558,000	$323,000	$199,000
MO	$576,000	$333,000	$210,000
MS	$574,000	$329,000	$203,000
MT	$583,000	$336,000	$205,000
NC	$500,000	$344,000	$218,000
ND	$618,000	$325,000	$210,000
NE	$565,000	$271,000	$150,000
NH	$545,000	$334,000	$231,000
NJ	$581,000	$322,000	$205,000
NM	$583,000	$344,000	$218,000
NV	$591,000	$366,000	$253,000
NY	$563,000	$340,000	$213,000
OH	$553,000	$326,000	$214,000
OK	$546,000	$306,000	$184,000
OR	$591,000	$350,000	$216,000
PA	$560,000	$331,000	$219,000
RI	$569,000	$330,000	$206,000
SC	$593,000	$344,000	$210,000
SD	$549,000	$315,000	$211,000
TN	$599,000	$347,000	$234,000
TX	$520,000	$294,000	$193,000
UT	$617,000	$364,000	$235,000
VA	$568,000	$346,000	$219,000
VT	$590,000	$337,000	$214,000
WA	$583,000	$343,000	$235,000
WI	$613,000	$318,000	$205,000
WV	$539,000	$363,000	$231,000
WY	$607,000	$358,000	$247,000

Part 5: compared to the state's median home value

This will give you an idea of the likelihood of being able to afford a house in each state with that $100,000 income. I'll just compare it to the 30% gross rule

I'm not doing this alphabetically, because I want to rank the states with the best chance of getting a decent home with a $100,000 salary

Rank	State	Median	30%Gross
1	WV	$259k	$363k
2	IA	$231k	$317k
3	IN	$259k	$343k
4	AR	$256k	$335k
5	OH	$249k	$326k
6	MI	$250k	$325k
7	MS	$256k	$329k
8	MO	$264k	$333k
9	AL	$283k	$345k
10	OK	$246k	$306k
11	KY	$271k	$322k
12	LA	$254k	$290k
13	PA	$301k	$331k
14	IL	$286k	$300k
15	KS	$281k	$294k
16	WI	$318k	$318k
17	SD	$326k	$315k
18	NE	$289k	$271k
19	ND	$350k	$325k
20	DE	$397k	$371k
21	NM	$371k	$344k
22	ME	$376k	$346k
23	GA	$375k	$339k
24	NC	$381k	$344k
25	TN	$390k	$347k
26	TX	$340k	$294k
27	MN	$371k	$323k
28	VT	$388k	$337k
29	AK	$401k	$347k
30	SC	$404k	$344k
31	WY	$450k	$358k
32	ID	$475k	$365k
33	VA	$458k	$346k
34	AZ	$471k	$353k
35	NV	$496k	$366k
36	FL	$434k	$291k
37	CT	$466k	$320k
38	MD	$497k	$343k
39	RI	$485k	$330k
40	NH	$503k	$334k
41	OR	$522k	$350k
42	MT	$528k	$336k
43	NJ	$527k	$322k
44	UT	$589k	$364k
45	NY	$577k	$340k
46	CO	$640k	$335k
47	WA	$659k	$343k
48	MA	$750k	$337k
49	CA	$867k	$349k
50	HI	$976k	$366k