A study shows that homebuyers with net incomes between $55,000 and $85,000 face affordability challenges in Canada. Labrador and Newfoundland are the most affordable, with mortgage payments at 31-50% of net income. Vancouver is the least affordable, requiring mortgage payments exceeding monthly net income even at $85,000 income. Calgary and Edmonton also show high mortgage costs relative to income, with Edmonton being the most affordable major market under $500,000.