Why Most Indians Will Never Own a Home in 2025 🏡

Owning a home in India is becoming increasingly challenging for salaried professionals. With rising property prices and stagnant salaries, the dream of owning a metro city apartment feels out of reach for the average Indian.

Average Salary vs Property Prices in India

• Average Indian salary (2025): ₹3.5–5 Lakh/year (~₹30k–42k/month)
• EMI for ₹1 Cr property in Tier-2 cities: ₹67k–72k → 2X the average salary
• EMI for ₹2–3 Cr properties in metro cities: 3–5X the average salary

Without family wealth, joint income, or decades of savings, owning a property in metro India is nearly impossible.

Why the System is Rigged Against the Middle Class

• Property prices rise faster than salaries – Savings never catch up
• High down payments & hidden costs – Stamp duty, maintenance, registration fees
• Long-term bank loans – You often pay 2–3X the property value in interest
• Speculative real estate market – Developers hike prices faster than wage growth

Most Overpriced Cities for 2BHK Apartments

Even Tier-1 and Tier-2 cities see EMIs far beyond the average salary, making real estate a challenge for middle-class Indians. Cities like Mumbai, Bangalore, Delhi, Pune consistently rank among the most overpriced.

Tips for Middle-Class Indians Looking to Buy Property

• Consider Tier-2 or Tier-3 cities for affordable housing
• Explore joint home ownership with family
• Look for government affordable housing schemes
• Build long-term savings and reduce reliance on debt