Housing Sales-to-Supply Ratio Rises to 1.36 Amid Limited Launches in Top 7 Cities – FICCI-ANAROCK Report by Anuj Puri In the post-COVID-19 era, affordability of mid-income homes, calculated on the ratio of home loan payment to income, will touch its lowest-best at 27% in FY21. It was 53% in FY12 and has been falling y-o-y ever since.