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In recent years housing price has fluctuated violently, which aroused great social concern. The government introduces some regulatory measures to inhibit the growth of housing price. This paper tries to discuss the housing affordability of residents, which is based on Housing-price-toincome Ratio(HPIR) and Purchase Installment Payment Model. After the calculation the reasonable HPIR interval is 3 to 8 in China. It’s obviously that the HPIR of First-tier cities and Second-tier cities exceeds the reasonable interval, while the HPIR of Third-tier cities and Fourth-tier cities lies the reasonable interval. Keywords-housing-price-to-income ratio; income level; housing affordability;housing markets

An Empirical Study of the Housing-Price-to-Income Ratio of Some Typical Cities on the Basis of Purchase Installment Payment Model