How much you need to earn for an apartment for 6 million: an honest calculation

According to the federal portal “World of apartments”, the average apartment in the Tula new building in the third quarter of 2026 costs about 7.7 million rubles — about 143 thousand per square meter. In the secondary market, the average check is lower: about 6.5 million rubles at 118-130 thousand per meter.

The variation in housing types is noticeable. On the secondary one can be found for 4-5 million, two - for 5.5-6.5 million, three - for 7-9 million, and four-room apartments start from 10 million. In new buildings, the cheapest entrance through the studio is from 3.3-4 million rubles; singles there cost 4.5-5.5 million, two-room - 6.5-8 million, three-room - 8.5-11 million.

Banks approve a loan if the payment does not exceed 40-50% of the family income. With a secondary rate of 17-19% annual arithmetic turns out to be rigid.

Take one for 4.5 million rubles with a down payment of 20% - the loan is about 3.6 million for 20 years, the payment will be about 53 thousand per month. For such a payment, you need a confirmed income from 105-110 thousand rubles. This is higher than the average salary in the Tula region, which in 2026 is kept at the level of 83-89 thousand, so the market mortgage alone is available to few, explains in a conversation with MK in Tula Yulia Buzykova, associate professor of information technology at the Faculty of Information Technologies and Big Data Analysis of the Financial University under the Government of the Russian Federation.

Government programs, but with reservations. Family mortgage from October 1, 2026 is differentiated by the number of children: with one child, the rate is 10% with a limit of 6 million rubles, with two - 8% and up to 8 million, with three or more - 6% and up to 10 million.

For Tula, this means quite specific figures: a loan of 5-6 million for a two- or three-room apartment in a new building will cost 45-55 thousand rubles a month for one child - the family needs an income from 90-110 thousand. With three children, the payment is reduced to 32-39 thousand, and 65-80 thousand per family is enough.

IT specialists in Tula have an IT mortgage with a rate of 6% and a limit of 9 million rubles.

But you need two conditions: an employer accredited by the Ministry of Information and a salary of 90 thousand rubles. With a loan of 7-9 million, the payment will be 42-54 thousand per month, which means that the real income should be from 90-110 thousand, the expert notes.

Secondary housing is cheaper on its own, and you do not need to wait for rent at home. But the rate of 17-19% makes the payment almost twice as high as the preferential one.

“If a family is eligible for a family or IT mortgage, the new building benefits on the monthly load, even taking into account repair costs. If there are no benefits, it is wiser to take inexpensive secondary housing suitable for living, or save a larger down payment - it reduces both payment and overpayment, advises Julia Sergeevna.

Experts have calculated how much you need to officially earn Tula to enter into a mortgage deal.

In order to approve a mortgage for a one-room apartment in the secondary market at a market rate and a contribution of 15-20%, the official income should be about 80-100 thousand rubles per month. For a two-bedroom apartment, the requirements are higher - the income should be from 120-140 thousand rubles and above. For a three-room - income should be from 150 thousand rubles or more. That's a very rough calculation. It is important to remember that if the spouses issue a mortgage, the bank takes into account their total official income, Vasily Kutyin, Director of Analytics of Ingo Bank, Candidate of Economic Sciences, calculated.

Buzykova formed the most working, in her opinion, scenario of a loan for housing.

“With two average salaries in the region, the family pulls an apartment in a new building according to the family program – this is today the main working scenario for Tula,” Buzykova said.

So far, for most residents of Tula, a mortgage is the only way to buy your home. Despite the actual growth of income, real do not allow you to take real estate, bypassing loans.