Struggling to Afford a Home? Here Are Careers That Can Put You on Track

For many aspiring homeowners, the biggest roadblock isn’t just the cost of the house—it’s qualifying for the mortgage in the first place. Lenders want to see stable employment and enough income to handle monthly payments comfortably. If you’re earning less than $60,000 a year, you might feel like homeownership is out of reach.But here’s the good news: there are careers—many of which don’t require a bachelor’s degree—that can provide steady income above that $60K threshold. If you’re serious about owning a home, exploring one of these paths could change your financial future.

1. Skilled Trades (Electricians, Plumbers, HVAC Technicians)

Median pay: $60,000–$75,000+ depending on region and experience.
Why it works: Trades are in high demand, with many contractors struggling to find workers. Apprenticeships can get you started while earning.

2. Commercial Truck Driving

Median pay: $65,000+, with long-haul and specialty drivers earning $80,000+.
Why it works: The supply chain depends on truckers. With a CDL license, you can often start within a few months.

3. Healthcare Support Roles

Registered Nurse (ADN or BSN): $70,000–$90,000 annually.
Respiratory Therapist: Around $65,000.
Why it works: Healthcare has a steady demand and often provides great benefits along with job stability.

4. Technology Careers (Without a 4-Year Degree)

IT Support / Systems Analyst: $60,000–$80,000.
Cybersecurity Technician: $70,000–$90,000 with certifications.
Why it works: Short training programs and certifications (like CompTIA or Google IT certificates) can get you in the door.

5. Real Estate and Mortgage Industry

Real Estate Agent: Income varies, but many full-time agents surpass $60,000+ once established.
Loan Officer / Mortgage Broker: $65,000–$100,000+ depending on volume.
Why it works: Commission-based careers where your income grows as you build relationships.

6. Manufacturing & Skilled Labor

Machinists / CNC Operators: $60,000+.
Welders: $60,000–$80,000 in industrial and pipeline work.
Why it works: Specialized training makes you valuable in industries that can’t outsource easily.

7. Sales Careers

Outside Sales (construction supplies, software, medical devices, etc.): $60,000 base with commissions pushing six figures.
Why it works: Sales isn’t for everyone, but if you’re driven, it’s one of the fastest ways to boost income.

The Bottom Line

Owning a home isn’t just about saving up for a down payment—it’s about proving you can handle the payments month after month. Increasing your income through a steady, in-demand career can open the doors to homeownership far faster than waiting for prices or rates to drop.

If you’re stuck where you’re at now, maybe it’s time to invest in yourself. A new skill or career path could be the key that finally unlocks your dream of owning a home.

Having Problems With Down Payment and Closing Costs?

Here is a blog article that may be able to help:

https://www.homebuyermortgages.com/blog/save-smart-while-you-wait-to-buy-a-home-hysa-vs-roth-ira