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A recent report has found that even the top-earning Indians will struggle to buy a home in major cities. In Mumbai, for example, people in the top 5% income group would need to save for 109 years to buy an average-sized home. This calculation is based on their average annual income and savings rate compared to the current property prices in the city. The situation is not much better in other big cities. In Gurgaon, it would take them 64 years to buy a home. In Bengaluru and Delhi, the wait would be around 36 and 35 years respectively. Only Chandigarh was found to be relatively affordable, where top earners would need about 15 years of savings to buy a home. This report shows how unaffordable housing has become, even for India’s richest salary earners. Property prices have been rising rapidly in most cities, while salaries have not kept up at the same pace. This makes it almost impossible for most people to buy a home without family wealth or inherited property. The findings highlight a big problem. Despite high spending power, many people cannot afford homes in the cities where they work. This forces them to either live on rent forever or move to faraway areas with cheaper housing. It also shows that government policies to make housing affordable have not worked well, and the dream of owning a house remains out of reach even for those earning at the top of the income pyramid. Subscribe for more educational content and unlock knowledge every day with FactTechz!

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