“Down payments have always been important, but in the current market, where interest rates remain high and volatile and home values are stable or rising, boosting the amount you put down can make the difference between a home that’s affordable and one that’s not,” Zillow’s chief economist, Skylar Olsen, wrote in an analysis yesterday.

The analysis, looking at major metropolitan areas, found homebuyers earning the median income need to put down 35.4%, which equates to almost $127,750, to comfortably afford payments on the typical home in America.

Comfortably, in this case, means you’re spending no more than 30% of the typical income in […]

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