10 Cities Where a Median Income Still Buys a Home

For many buyers, homeownership feels like it’s slipping out of reach. Prices are sky high, interest rates remain stubborn, and inventory is tight in most areas. But there are still some U.S. cities where earning around the median income gives you a fair shot at owning a home — without stretching your budget to the breaking point.

Pittsburgh, Pennsylvania

With relatively affordable housing and a cost of living well below the national average, Pittsburgh is one of the few large cities where middle-income earners can buy comfortably. The median home price stays accessible, and the city offers a variety of neighborhoods, from urban to suburban. Strong local job sectors like healthcare and education also help residents maintain stability.

Oklahoma City, Oklahoma

Oklahoma City continues to stand out for its low housing costs and steady job market. Even with rising prices nationwide, the median home here is still affordable on a median salary. The area’s modest property taxes and lower utility costs make it easier for homeowners to keep monthly expenses in check.

Buffalo, New York

Buffalo’s housing market remains one of the most budget-friendly in the Northeast. While the winters can be intense, the trade-off is a low median home price and a revitalized downtown with new amenities. For buyers who value space and affordability, Buffalo is a strong contender.

Des Moines, Iowa

Des Moines offers a balanced blend of affordability, job opportunities, and quality of life. Median home prices are still well within reach for median-income households, and property taxes are manageable. The city’s growing tech and insurance sectors provide economic stability for long-term homeowners.

Louisville, Kentucky

Louisville’s housing market has remained steady, keeping homeownership within reach for many families. The city offers a mix of historic charm and modern conveniences at a fraction of the cost of similarly sized metros. Low utility costs and reasonable taxes further support affordability.

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Indianapolis, Indiana

Indianapolis combines a strong job market with one of the most affordable housing markets among major U.S. cities. Median-income earners can find homes in safe, family-friendly neighborhoods without overextending themselves. Affordable property taxes and utilities help maintain budget stability.

Cleveland, Ohio

Cleveland’s real estate market offers some of the best value in the Midwest. While some neighborhoods are experiencing revitalization, prices have remained low enough for median earners to buy comfortably. The cost of living is modest, and there’s a variety of home styles available.

Wichita, Kansas

Wichita boasts low home prices and minimal competition compared to many cities. The local economy, driven by manufacturing and healthcare, supports steady employment. Affordable property taxes and insurance rates add to the appeal for budget-conscious buyers.

Little Rock, Arkansas

Little Rock’s median home prices remain accessible, and the city offers a low overall cost of living. With a strong healthcare sector and government jobs providing stability, residents can maintain homeownership without taking on excessive debt.

Birmingham, Alabama

Birmingham’s housing market continues to favor buyers with a median income. The city’s mix of affordable suburban and urban options, combined with low property taxes, makes it easier to find a home that fits within budget. Economic diversity in healthcare, banking, and education helps keep the market stable.

Affordable Homeownership Is Still Possible

While rising home prices dominate headlines, there are still places where buying a home on a median income is realistic. These cities prove that location matters — and that finding affordability often means looking beyond the most competitive markets.

The article 10 Cities Where a Median Income Still Buys a Home first appeared on Cents + Purpose.