16 US cities where a typical family can afford a home

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Columbia, South Carolina. Sean Pavone / Shutterstock

When it comes to buying a house, not all cities are equal.

In the past few decades, home prices have been climbing while wages have been stagnant. The rule of thumb was once to buy a house no more than 2.6 times your yearly household income, according to CityLab. Today, that number seems more like an aspiration than a rule, especially in pricier regions like the west coast.

But that doesn’t mean that there aren’t still affordable options out there. Real-estate platform Clever looked at the home price-to-income ratio of several cities with median income and median home value information compiled by Zillow. The data shows that few have been able to maintain a ratio below 2.6.

Below, we’ve listed the 16 most affordable cities in the US according to Zillow’s data, as well as the median household income in each city from the US Census Bureau’s American Community Survey and the median home price from Zillow.


16. St. Louis, Missouri

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St. Louis, Missouri’s Gateway Arch Joe Raedle/Getty Images

Median household income: $US41,441

Median home price: $US116,400


15. Greensboro, North Carolina

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Greensboro, North Carolina Sean Pavone/Shutterstock

Median household income: $US47,043

Median home price: $US143,500


14. Harrisburg, Pennsylvania

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Harrisburg, Pennsylvania Jon Bilous/Shutterstock

Median household income: $US35,300

Median home price: $US51,400


13. Tulsa, Oklahoma

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Tulsa, Oklahoma Donald Carr/Shutterstock

Median household income: $US45,894

Median home price: $US120,900


12. Omaha, Nebraska

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Winter in Omaha, Nebraska Steve O’Donnell/Shutterstock

Median household income: $US56,406

Median home price: $US179,600


11. Little Rock, Arkansas

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Little Rock, Arkansas Jonathannsegal/Shutterstock

Median household income: $US48,463

Median home price: $US140,300


10. Oklahoma City, Oklahoma

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Oklahoma City, Oklahoma Gerson Repreza/Unsplash

Median household income: $US52,062

Median home price: $US130,100


9. Columbia, South Carolina

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Finlay Park Fountain in Columbia, South Carolina Sean Pavone / Shutterstock

Median household income: $US43,650

Median house price: $US143,400


8. Rochester, New York

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A neighbourhood in Rochester, New York Shutterstock/debra millet

Median household income: $US32,347

Median home price: $US75,300


7. Akron, Ohio

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Akron, Ohio’s historic Civic Theatre on Main Street Harold Stiver/Shutterstock

Median household income: $US36,223

Median home price: $US67,000


6. Pittsburgh, Pennsylvania

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Pittsburgh, Pennsylvania’s Fort Pitt bridge connects downtown and South Shore ESB Professional/Shutterstock

Median household income: $US45,851

Median home price: $US144,500


5. Wichita, Kansas

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Wichita, Kansas Sean Pavone/Shutterstock

Median household income: $US50,504

Median home value: $$US127,600


4. Syracuse, New York

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Downtown Syracuse, New York Getty Images

Median household income: $US34,716

Median home price: $US87,600


3. Dayton, Ohio

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Dayton, Ohio Shutterstock

Median household income: $US30,128

Median home price: $ 50,500


2. Scranton, Pennsylvania

Median household income: $US38,683

Median home price: $US71,000


1. Toledo, Ohio

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Toledo, Ohio Michael Shake/Shutterstock

Median household income: $US37,339

Median home price: $US69,700