Depending on whether you’re a glass-half-empty or glass-half-full kind of person, you could read a recent report on Seattle’s home affordability one of two ways. On the one hand, the personal-finance company Interest.com found, Seattle was the ninth-least affordable metro area among the 25 it studied. On the other hand, median wage-earners made nearly enough to buy a typical home hereabout without throwing their household finances too far out of whack. The company first looked at median home prices in the 25 largest urban areas in the country. With a $290,700 median as of mid-2012, Seattle ranked seventh-highest in that category; assuming a 20 percent down payment, that means you’d need to borrow $232,560 to buy the median home. Interest.com then looked at median household incomes (Seattle ranked fifth, at $64,085), and factored in local mortgage rates, property taxes, homeowners’ insurance and other household debt.