While averages are high, minimum requirements vary significantly by the type of mortgage you choose:
What is a good credit score to buy a house? - Fidelity Investments what is the average credit score to buy a house
The average credit score for home buyers in the U.S. reached a six-year high of approximately heading into 2026. While this reflects the typical buyer, you can qualify with a score as low as 500 to 620 depending on the specific loan program and down payment amount. Minimum Credit Score by Loan Type While averages are high