Karnataka

House Affordability in Bangalore: How Much Home Can You Afford?

India's IT capital with strong salary growth and property demand concentrated in the southern and eastern tech corridors.

Median 2BHK price
₹120 L
Median monthly rent
₹35,000
Median IT salary
₹1,30,000
Stamp duty + reg.
6%

Bangalore property market in 2026

Bangalore's property market is bifurcated by tech corridors — Whitefield, Sarjapur, Bellandur, and the Electronic City stretch see the highest demand. Median 2BHK in these areas runs ₹1.2-1.8 crore for newer projects, ₹80 lakh-1.2 crore for resale.

Salary support for property buying is strongest here given the IT industry concentration. Price-to-rent ratios are 25-30, making buying mathematically defensible for stays above 8-10 years.

Calculate your max affordable home in Bangalore

Calculator pre-filled with Bangalore-typical defaults. Adjust your actual net monthly income, existing EMIs, down payment, and the calculator shows the maximum home price your salary supports under standard 45% FOIR.

Enter your values

₹10000₹5000000
₹0₹1000000
₹50000₹100000000
%
5 %15 %
years
5 years30 years
%
30 %60 %

Result

Max Affordable Home Price
₹89,01,980
Aim for ≈ ₹75,66,683 (85% of max) for buffer
Max loan amount
₹65,01,980
Max EMI
₹58,500
Down payment
₹24,00,000
Stamp duty + registration (est.)
₹6,23,139

Cash composition

Down payment₹24,00,000
27.0%
Loan amount₹65,01,980
73.0%
What this means

At ₹1,30,000 net income with ₹0 existing EMIs and a 45% FOIR cap, you can support a max EMI of ₹58,500. That maps to a ₹65.0 lakh loan over 20 years at 9%. Adding your ₹24,00,000 down payment gives a max home price of ₹89,01,980. For comfort, aim for the 85% mark — about ₹75,66,683.

* Stamp duty (5-8%) and registration are NOT financed by the home loan and must come from your savings on top of the down payment.

* FOIR is bank-side; banks may approve 50-55% FOIR for high credit scores. Lower it to 35-40% if your job/income is volatile.

Frequently asked questions about buying in Bangalore

What's the average property price in Bangalore?

The median 2BHK property price in Bangalore is approximately ₹120 lakh in 2026. Premium localities can run 50-100% above this, while outer suburbs and resale apartments offer ₹72-96 lakh entry points.

What's the typical rent for a 2BHK in Bangalore?

Median monthly rent for a 2BHK in Bangalore is around ₹35,000. The price-to-rent ratio (annual rent ÷ home price) is roughly 29× — higher than the buy-favourable threshold of 25× — renting + investing the difference often beats buying for stays under 10 years.

What's the stamp duty in Bangalore?

Karnataka levies approximately 6% combined stamp duty + registration on property purchases. On a ₹120-lakh property, that's ₹720,000 in registration costs alone — paid in cash on top of the down payment.

What salary do I need to afford a 2BHK in Bangalore?

For a median 2BHK at ₹120 lakh with 20% down payment and 20-year home loan at 9%, the EMI is approximately ₹86,374. To stay within 45% FOIR, you'd need a net monthly income of approximately ₹1,91,942 or higher.

Are home loan rates the same in Bangalore as elsewhere?

Home loan rates in 2026 are 8.5-10% across most of India regardless of city. Banks may offer slight concessions (0.1-0.25%) for properties in tier-1 metros or for high-CIBIL borrowers. The actual rate depends more on your credit profile than your city.

Related tools for Bangalore buyers

House affordability in other cities