India, Feb. 7 -- As Bengaluru's housing prices continue to climb, many salaried professionals are questioning whether buying a home in the city still makes financial sense. A Reddit post by a 36-year-old Bengaluru-based professional earning Rs.2.8 lakh a month and supporting a family of five highlights a growing dilemma for single-income households: whether to stretch finances to buy an apartment at all or whether to invest in plots with the plan to sell them in five years to fund a larger down payment later.

The user said purchasing a flat priced at Rs.1-1.5 crore feels risky due to the long-term EMI commitment, especially given the dependence on a single income and the uncertainty in IT jobs amid recent large-scale layoffs.

"Given the...