Home affordability by metro
What it takes to buy the typical home in each of the 100 largest metros at 7.32% (Freddie Mac, 2026-10-22), 20% down, taxes and insurance included, keeping the payment at 28% of income. US typical home $366,157; median household income $87,460.
$105,853income to buy the US typical home
30metros where the median household qualifies
McAllen, TXcheapest big metro
San Jose, CAdearest big metro
Your numbers
The table recalculates as you type and highlights the metros you can afford.
Result
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of 100 metros where you qualify at these settings
| # | Metro | Typical home | 1-yr change | Income needed | Monthly cost |
|---|---|---|---|---|---|
| 1 | McAllen, TX | $188,971 | -0.4% | $54,630 | $1,275 |
| 2 | Toledo, OH | $202,056 | +3.3% | $58,413 | $1,363 |
| 3 | Jackson, MS | $212,335 | +2.7% | $61,384 | $1,432 |
| 4 | Wichita, KS | $222,219 | +2.9% | $64,241 | $1,499 |
| 5 | Pittsburgh, PA | $228,201 | +0.2% | $65,971 | $1,539 |
| 6 | Little Rock, AR | $230,108 | +3.7% | $66,522 | $1,552 |
| 7 | El Paso, TX | $233,011 | +2.5% | $67,361 | $1,572 |
| 8 | Scranton, PA | $233,948 | +2.3% | $67,632 | $1,578 |
| 9 | Akron, OH | $240,089 | +4.0% | $69,407 | $1,620 |
| 10 | Memphis, TN | $242,102 | +0.1% | $69,989 | $1,633 |
| 11 | Oklahoma City, OK | $243,069 | +1.0% | $70,269 | $1,640 |
| 12 | Baton Rouge, LA | $246,247 | +2.7% | $71,188 | $1,661 |
| 13 | Cleveland, OH | $250,001 | +3.9% | $72,273 | $1,686 |
| 14 | Augusta, GA | $250,497 | +2.9% | $72,416 | $1,690 |
| 15 | Tulsa, OK | $251,771 | +3.1% | $72,785 | $1,698 |
| 16 | Columbia, SC | $252,979 | +1.6% | $73,134 | $1,706 |
| 17 | New Orleans, LA | $257,067 | +1.6% | $74,316 | $1,734 |
| 18 | Greensboro, NC | $260,556 | +0.8% | $75,324 | $1,758 |
| 19 | Birmingham, AL | $260,710 | +2.4% | $75,369 | $1,759 |
| 20 | Detroit, MI | $264,316 | +1.8% | $76,411 | $1,783 |
| 21 | Syracuse, NY | $268,949 | +6.6% | $77,751 | $1,814 |
| 22 | St. Louis, MO | $273,164 | +3.3% | $78,969 | $1,843 |
| 23 | San Antonio, TX | $273,806 | -1.9% | $79,155 | $1,847 |
| 24 | Winston, NC | $277,512 | +1.7% | $80,226 | $1,872 |
| 25 | Louisville, KY | $278,562 | +1.5% | $80,530 | $1,879 |
| 26 | Rochester, NY | $281,279 | +4.9% | $81,315 | $1,897 |
| 27 | Buffalo, NY | $287,359 | +3.6% | $83,073 | $1,938 |
| 28 | Indianapolis, IN | $291,634 | +1.0% | $84,309 | $1,967 |
| 29 | Des Moines, IA | $292,513 | +0.5% | $84,563 | $1,973 |
| 30 | Lakeland, FL | $295,502 | -2.2% | $85,427 | $1,993 |
| 31 | Houston, TX | $302,832 | -1.8% | $87,546 | $2,043 |
| 32 | Cincinnati, OH | $305,940 | +2.2% | $88,444 | $2,064 |
| 33 | Omaha, NE | $306,318 | +2.7% | $88,554 | $2,066 |
| 34 | Harrisburg, PA | $306,578 | +2.6% | $88,629 | $2,068 |
| 35 | Greenville, SC | $312,032 | +1.4% | $90,205 | $2,105 |
| 36 | Chattanooga, TN | $318,922 | -0.3% | $92,197 | $2,151 |
| 37 | Kansas City, MO | $324,887 | +3.7% | $93,922 | $2,192 |
| 38 | Columbus, OH | $326,910 | +1.3% | $94,507 | $2,205 |
| 39 | Deltona, FL | $330,886 | -0.3% | $95,656 | $2,232 |
| 40 | Cape Coral, FL | $334,479 | -3.5% | $96,695 | $2,256 |
| 41 | Tucson, AZ | $335,747 | -1.8% | $97,061 | $2,265 |
| 42 | Palm Bay, FL | $342,339 | -0.5% | $98,967 | $2,309 |
| 43 | Albuquerque, NM | $348,674 | +1.5% | $100,798 | $2,352 |
| 44 | Jacksonville, FL | $350,574 | -0.1% | $101,348 | $2,365 |
| 45 | Grand Rapids, MI | $355,636 | +4.9% | $102,811 | $2,399 |
| 46 | Chicago, IL | $355,650 | +5.0% | $102,815 | $2,399 |
| 47 | Tampa, FL | $356,843 | -0.9% | $103,160 | $2,407 |
| 48 | Dallas, TX | $358,242 | -2.0% | $103,564 | $2,417 |
| 49 | Bakersfield, CA | $360,210 | +0.0% | $104,133 | $2,430 |
| 50 | Knoxville, TN | $363,018 | +1.9% | $104,945 | $2,449 |
| 51 | Allentown, PA | $363,366 | +3.2% | $105,046 | $2,451 |
| 52 | Virginia Beach, VA | $371,181 | +2.9% | $107,305 | $2,504 |
| 53 | Springfield, MA | $372,394 | +3.3% | $107,656 | $2,512 |
| 54 | Albany, NY | $373,057 | +5.0% | $107,847 | $2,516 |
| 55 | Atlanta, GA | $375,898 | -1.5% | $108,668 | $2,536 |
| 56 | Charlotte, NC | $381,392 | -0.8% | $110,257 | $2,573 |
| 57 | Orlando, FL | $383,302 | -1.4% | $110,809 | $2,586 |
| 58 | Milwaukee, WI | $384,496 | +5.3% | $111,154 | $2,594 |
| 59 | Philadelphia, PA | $386,048 | +2.5% | $111,603 | $2,604 |
| 60 | Minneapolis, MN | $387,807 | +1.7% | $112,111 | $2,616 |
| 61 | Richmond, VA | $392,106 | +2.6% | $113,354 | $2,645 |
| 62 | Baltimore, MD | $396,959 | +0.4% | $114,757 | $2,678 |
| 63 | Hartford, CT | $398,703 | +5.1% | $115,261 | $2,689 |
| 64 | Durham, NC | $401,581 | -2.5% | $116,093 | $2,709 |
| 65 | North Port, FL | $403,540 | -2.0% | $116,660 | $2,722 |
| 66 | Fresno, CA | $404,052 | +1.1% | $116,807 | $2,726 |
| 67 | New Haven, CT | $406,204 | +4.9% | $117,430 | $2,740 |
| 68 | Austin, TX | $414,273 | -4.3% | $119,763 | $2,794 |
| 69 | Spokane, WA | $415,045 | +0.2% | $119,986 | $2,800 |
| 70 | Las Vegas, NV | $422,654 | -2.6% | $122,185 | $2,851 |
| 71 | Raleigh, NC | $428,267 | -1.7% | $123,808 | $2,889 |
| 72 | Charleston, SC | $437,474 | -0.2% | $126,470 | $2,951 |
| 73 | Phoenix, AZ | $441,097 | -1.1% | $127,517 | $2,975 |
| 74 | Madison, WI | $445,747 | +3.1% | $128,861 | $3,007 |
| 75 | Colorado Springs, CO | $446,711 | -1.4% | $129,140 | $3,013 |
| 76 | Nashville, TN | $448,896 | -0.5% | $129,772 | $3,028 |
| 77 | Modesto, CA | $461,114 | +0.2% | $133,304 | $3,110 |
| 78 | Worcester, MA | $476,551 | +2.1% | $137,766 | $3,215 |
| 79 | Miami, FL | $476,815 | +0.3% | $137,843 | $3,216 |
| 80 | Boise City, ID | $491,851 | +1.7% | $142,189 | $3,318 |
| 81 | Ogden, UT | $508,920 | +1.7% | $147,124 | $3,433 |
| 82 | Stockton, CA | $519,775 | -2.1% | $150,262 | $3,506 |
| 83 | Providence, RI | $522,248 | +3.6% | $150,977 | $3,523 |
| 84 | Provo, UT | $538,775 | +1.4% | $155,755 | $3,634 |
| 85 | Portland, OR | $539,403 | -0.2% | $155,936 | $3,639 |
| 86 | Denver, CO | $555,487 | -1.8% | $160,586 | $3,747 |
| 87 | Salt Lake City, UT | $558,850 | +1.1% | $161,558 | $3,770 |
| 88 | Washington, DC | $569,857 | +0.2% | $164,740 | $3,844 |
| 89 | Sacramento, CA | $572,813 | +0.0% | $165,595 | $3,864 |
| 90 | Riverside, CA | $580,321 | +0.6% | $167,765 | $3,915 |
| 91 | Bridgeport, CT | $687,644 | +6.2% | $198,791 | $4,638 |
| 92 | Seattle, WA | $720,147 | -1.6% | $208,188 | $4,858 |
| 93 | Boston, MA | $725,639 | +2.1% | $209,775 | $4,895 |
| 94 | New York, NY | $730,949 | +4.9% | $211,310 | $4,931 |
| 95 | Urban Honolulu, HI | $855,973 | +2.6% | $247,454 | $5,774 |
| 96 | Oxnard, CA | $869,803 | +1.1% | $251,452 | $5,867 |
| 97 | San Diego, CA | $926,961 | +0.8% | $267,976 | $6,253 |
| 98 | Los Angeles, CA | $950,020 | +1.3% | $274,642 | $6,408 |
| 99 | San Francisco, CA | $1,120,379 | +3.1% | $323,891 | $7,557 |
| 100 | San Jose, CA | $1,523,615 | +0.2% | $440,463 | $10,277 |
Source: Zillow Home Value Index, all homes, mid-tier, smoothed and seasonally adjusted, 2026-09; rate from FRED MORTGAGE30US; income from the Census 2025 report. Refreshed monthly when Zillow posts.