High mortgage rates and housing costs make it a challenge to afford a home in most areas of the U.S. See how much you need to earn by state to buy a home.

Buying a house without a mortgage usually means paying in cash, but there are a few less common alternative home financing options like rent-to-own and seller financing.

While some money fears are warranted, there are ways to be prepared for these events that can help put your mind at ease.