Are You Living in One of the Least Affordable Cities?

Are you living in one of the country’s least affordable cities? Here are the rankings.

Home-buying is making a comeback – reminding some of us that it’s easy to feel as if we can’t afford anything. Maybe it’s not you, maybe it’s your city. Because home prices are just one part of whether an area is affordable, according to the National Association of Home Builders, as you also have to consider income-potential and taxes.

These home-builders have an index that shows the percent of an area’s real estate you can afford if you earn the median income there. In Kokomo Indiana – which is very affordable – a person earning $61,000 (and many people do) can afford to buy more than 96 percent of the area’s real estate.

America’s least affordable city is San Francisco. Even though people make more money there – median income is $101,200 – people earning that amount can afford only 14 percent of the homes for sale there.

Take a look at your city to see where your income stands when it comes to real estate. Don’t want to bother with the index? Simple see the ranking.

		Percent of	Median
Rank	Metro Area	Homes	Family	Home
		Affordable to	Income	Price
		People w	in	(Median)
		Median	City
		Income
1	Kokomo, IN	96.3	$60,100	$85,000
2	Springfield, OH	93.3	$53,500	$76,000
3	Monroe, MI	93.2	$63,700	$120,000
3	Vineland-Millville-Bridgeton, NJ	93.2	$68,600	$131,000
5	Cumberland, MD-WV	92.9	$53,300	$89,000
6	Davenport-Moline-Rock Island, IA-IL	92.5	$63,100	$94,000
7	Lima, OH	92.4	$54,200	$85,000
8	Bay City, MI	92.1	$56,100	$75,000
9	Fairbanks, AK	92.0	$78,400	$205,000
10	Mansfield, OH	91.0	$54,600	$82,000
11	Elizabethtown, KY	90.2	$55,500	$109,000
11	Pocatello, ID	90.2	$57,000	$135,000
13	Wheeling, WV-OH	89.9	$51,700	$90,000
14	Saginaw-Saginaw Township North, MI	89.6	$55,500	$84,000
15	Youngstown-Warren-Boardman, OH-PA	89.4	$53,900	$76,000
16	Battle Creek, MI	89.2	$53,100	$89,000
17	Harrisburg-Carlisle, PA	88.8	$70,800	$145,000
17	Syracuse, NY	88.8	$65,800	$105,000
19	Buffalo-Niagara Falls, NY	88.5	$63,500	$100,000
20	Lansing-East Lansing, MI	88.2	$66,000	$107,000
21	Canton-Massillon, OH	88.1	$54,100	$100,000
22	Roanoke, VA	87.9	$63,600	$134,000
23	Hagerstown-Martinsburg, MD-WV	87.4	$69,500	$155,000
24	Carson City, NV	87.2	$69,500	$165,000
24	Scranton–Wilkes-Barre, PA	87.2	$59,200	$100,000
26	Akron, OH	86.8	$64,400	$100,000
26	Springfield, IL	86.8	$67,200	$119,000
28	Binghamton, NY	86.5	$58,600	$113,000
29	Pueblo, CO	86.4	$51,400	$120,000
30	Champaign-Urbana, IL	86.2	$72,000	$125,000
31	Erie, PA	86.0	$60,200	$115,000
32	Flint, MI	85.8	$52,100	$95,000
33	Ithaca, NY	85.5	$82,000	$172,000
34	Dayton, OH	85.4	$57,800	$100,000
35	Wichita, KS	85.2	$63,200	$129,000
36	Grand Rapids-Wyoming, MI	85.1	$59,600	$119,000
36	Kalamazoo-Portage, MI	85.1	$62,300	$122,000
36	Salisbury, MD	85.1	$59,300	$133,000
39	Elkhart-Goshen, IN	84.8	$51,900	$119,000
39	Sandusky, OH	84.8	$56,700	$95,000
41	Rockford, IL	84.7	$61,100	$98,000
42	Lakeland-Winter Haven, FL	84.5	$51,000	$114,000
43	Duluth, MN-WI	84.4	$60,900	$121,000
44	Cleveland-Elyria-Mentor, OH	84.3	$63,400	$110,000
45	Rochester, NY	83.9	$66,600	$122,000
46	Cincinnati-Middletown, OH-KY-IN	83.8	$68,700	$133,000
47	Ocala, FL	83.7	$45,800	$89,000
48	Sherman-Denison, TX	83.6	$61,700	$112,000
49	Toledo, OH	83.5	$57,100	$102,000
50	Olympia, WA	83.4	$77,300	$214,000
51	Gainesville, FL	83.1	$64,000	$130,000
51	Palm Bay-Melbourne-Titusville, FL	83.1	$61,800	$121,000
53	Pittsburgh, PA	82.6	$65,100	$126,000
54	St. Louis, MO-IL	82.3	$69,200	$140,000
55	Tyler, TX	82.2	$64,200	$146,000
56	Deltona-Daytona Beach-Ormond Beach, FL	82.1	$56,500	$114,000
57	Detroit-Livonia-Dearborn, MI ^^^	82.0	$52,300	$82,000
58	Warren-Troy-Farmington Hills, MI ^^^	81.9	$72,400	$141,000
59	Reading, PA	81.7	$66,400	$146,000
60	Peoria, IL	81.5	$66,600	$125,000
60	Winston-Salem, NC	81.5	$59,500	$125,000
62	Spokane, WA	81.4	$62,900	$156,000
63	Ogden-Clearfield, UT	80.8	$70,800	$196,000
64	Great Falls, MT	80.6	$59,400	$156,000
65	Killeen-Temple-Fort Hood, TX	80.4	$59,900	$145,000
66	Virginia Beach-Norfolk-Newport News, VA-NC	80.3	$73,300	$187,000
67	Punta Gorda, FL	80.1	$53,100	$117,000
67	Worcester, MA	80.1	$81,300	$200,000
69	Hartford-West Hartford-East Hartford, CT	80.0	$85,500	$194,000
70	Lancaster, PA	79.8	$65,600	$168,000
71	Pensacola-Ferry Pass-Brent, FL	79.7	$57,700	$130,000
72	Ann Arbor, MI	79.6	$84,200	$186,000
73	Fayetteville, NC	79.5	$52,000	$121,000
73	Springfield, MA	79.5	$66,100	$165,000
75	Norwich-New London, CT	79.4	$81,900	$190,000
76	New Haven-Milford, CT	79.3	$80,500	$176,000
77	Tallahassee, FL	79.2	$60,000	$143,000
77	Tucson, AZ	79.2	$59,900	$152,000
79	Jacksonville, FL	79.0	$63,200	$140,000
79	Wilmington, DE-MD-NJ ^^^	79.0	$79,300	$205,000
81	Madera-Chowchilla, CA	78.9	$54,500	$160,000
82	Memphis, TN-MS-AR	78.7	$58,000	$125,000
83	Camden, NJ ^^^	78.6	$86,200	$186,000
83	Greensboro-High Point, NC	78.6	$54,500	$130,000
83	Greenville-Mauldin-Easley, SC	78.6	$58,000	$153,000
86	Minneapolis-St. Paul-Bloomington, MN-WI	78.4	$82,300	$193,000
86	San Angelo, TX	78.4	$55,300	$143,000
88	Glens Falls, NY	78.3	$65,100	$155,000
89	Lake Havasu City-Kingman, AZ	78.1	$45,300	$125,000
90	Oklahoma City, OK	77.8	$60,000	$133,000
91	Knoxville, TN	77.4	$60,700	$140,000
91	Louisville-Jefferson County, KY-IN	77.4	$60,400	$138,000
93	Port St. Lucie, FL	77.2	$53,300	$120,000
94	Allentown-Bethlehem-Easton, PA-NJ	77.1	$71,400	$172,000
94	Atlanta-Sandy Springs-Marietta, GA	77.1	$66,300	$152,000
96	Amarillo, TX	77.0	$62,700	$140,000
97	Albany-Schenectady-Troy, NY	76.9	$77,700	$186,000
98	Albuquerque, NM MSA	76.8	$62,900	$180,000
99	Richmond, VA	76.7	$73,900	$190,000
100	Colorado Springs, CO	76.5	$69,100	$213,000
101	Milwaukee-Waukesha-West Allis, WI	76.4	$70,200	$150,000
102	Crestview-Fort Walton Beach-Destin, FL	76.2	$64,000	$150,000
103	Tacoma, WA ^^^	76.1	$70,200	$200,000
103	Tulsa, OK	76.1	$59,700	$145,000
105	Greeley, CO	76.0	$66,300	$206,000
105	Palm Coast, FL	76.0	$53,100	$139,000
107	Burlington-South Burlington, VT	75.6	$77,500	$215,000
108	Tampa-St. Petersburg-Clearwater, FL	75.5	$56,800	$125,000
109	Birmingham-Hoover, AL	75.3	$57,100	$131,000
109	Madison, WI	75.3	$80,900	$209,000
111	Sebastian-Vero Beach, FL MSA	75.0	$60,500	$130,000
112	Chattanooga, TN-GA	74.9	$58,000	$140,000
113	Abilene, TX	74.8	$54,900	$132,000
113	Manchester-Nashua, NH	74.8	$75,700	$195,000
115	Wichita Falls, TX	74.7	$54,400	$110,000
116	Kingston, NY	74.6	$69,800	$175,000
117	Durham-Chapel Hill, NC	74.1	$67,700	$185,000
118	Fort Collins-Loveland, CO	73.9	$75,800	$242,000
119	Las Vegas-Paradise, NV	73.6	$63,100	$175,000
120	Bremerton-Silverdale, WA	73.5	$73,100	$220,000
121	Beaumont-Port Arthur, TX	73.4	$53,100	$129,000
121	Rockingham County-Strafford County, NH ^^^	73.4	$87,000	$226,000
123	Poughkeepsie-Newburgh-Middletown, NY	73.3	$85,800	$225,000
124	Waco, TX	72.7	$50,000	$131,000
125	Baltimore-Towson, MD	72.5	$85,600	$244,000
125	Panama City-Lynn Haven-Panama City Beach, FL	72.5	$57,800	$158,000
127	Orlando-Kissimmee-Sanford, FL	72.4	$58,500	$155,000
127	Salem, OR	72.4	$55,000	$176,000
129	Corvallis, OR	72.3	$80,800	$255,000
130	Providence-New Bedford-Fall River, RI-MA	72.1	$71,100	$195,000
131	Yuma, AZ	72.0	$47,300	$129,000
132	Raleigh-Cary, NC	71.9	$75,300	$226,000
133	Merced, CA	71.8	$50,200	$159,000
133	Portland-South Portland-Biddeford, ME	71.8	$76,400	$219,000
135	Hanford-Corcoran, CA	71.7	$50,400	$160,000
136	Anchorage, AK	71.6	$87,800	$273,000
137	Redding, CA	70.8	$54,400	$180,000
138	Columbus, OH	70.7	$67,900	$155,000
139	Charlotte-Gastonia-Rock Hill, NC-SC	70.2	$64,100	$178,000
139	Victoria, TX	70.2	$56,400	$161,000
141	Bethesda-Rockville-Frederick, MD^^^	69.6	$112,200	$350,000
141	Trenton-Ewing, NJ	69.6	$90,900	$255,000
143	Lake County-Kenosha County, IL-WI ^^^	69.4	$86,400	$202,000
143	Salt Lake City, UT	69.4	$70,300	$234,000
145	Mount Vernon-Anacortes, WA	69.2	$67,800	$225,000
146	Yuba City, CA	68.6	$56,300	$185,000
147	Cape Coral-Fort Myers, FL	68.5	$56,300	$148,000
148	Fort Worth-Arlington, TX ^^^	68.4	$65,500	$166,000
149	Bellingham, WA	68.0	$69,800	$237,000
150	Visalia-Porterville, CA	67.9	$48,500	$158,000
151	North Port-Bradenton-Sarasota, FL	67.8	$59,900	$165,000
152	Denver-Aurora-Broomfield, CO	67.7	$77,800	$259,000
153	Washington-Arlington-Alexandria, DC-VA-MD-WV ^^^	67.6	$105,900	$345,000
154	College Station-Bryan, TX	67.5	$54,900	$168,000
154	Phoenix-Mesa-Glendale, AZ	67.5	$62,200	$192,000
156	Philadelphia, PA ^^^	67.3	$76,400	$220,000
157	Eugene-Springfield, OR	67.2	$55,800	$193,000
158	Pittsfield, MA	67.0	$56,400	$160,000
159	Edison-New Brunswick, NJ ^^^	66.8	$96,600	$278,000
160	Provo-Orem, UT	66.6	$61,900	$228,000
161	Boise City-Nampa, ID	66.3	$60,000	$200,000
162	Chicago-Joliet-Naperville, IL^^^	66.2	$73,400	$195,000
163	Chico, CA	66.1	$55,700	$185,000
163	Reno-Sparks, NV	66.1	$65,200	$205,000
165	Vallejo-Fairfield, CA	66.0	$78,800	$263,000
166	Fort Lauderdale-Pompano Beach-Deerfield Beach, FL ^^^	65.9	$61,700	$151,000
167	Atlantic City-Hammonton, NJ	65.6	$65,400	$190,000
167	Mc Allen-Edinburg-Mission, TX	65.6	$38,500	$99,000
169	West Palm Beach-Boca Raton-Boynton Beach, FL ^^^	65.2	$64,600	$169,000
170	Modesto, CA	65.0	$56,600	$194,000
171	San Antonio-New Braunfels, TX	64.8	$61,300	$178,000
172	Asheville, NC	64.5	$53,900	$187,000
173	Bakersfield-Delano, CA	64.3	$52,500	$170,000
174	El Centro, CA	63.6	$48,000	$155,000
175	Corpus Christi, TX	62.7	$52,700	$158,000
176	Austin-Round Rock-San Marcos, TX	62.6	$73,200	$225,000
177	Prescott, AZ	62.4	$50,400	$178,000
178	Boulder, CO	62.2	$91,600	$336,000
178	Charleston-North Charleston-Summerville, SC	62.2	$61,300	$210,000
180	Odessa, TX	61.7	$52,300	$167,000
181	Brownsville-Harlingen, TX	61.4	$37,300	$114,000
182	Dallas-Plano-Irving, TX ^^^	60.3	$69,000	$207,000
183	Fresno, CA	60.2	$54,600	$195,000
183	Houston-Sugar Land-Baytown, TX	60.2	$66,200	$192,000
183	St. George, UT	60.2	$56,800	$219,000
186	Gainesville, GA	59.8	$56,500	$165,000
187	Peabody, MA ^^^	59.1	$83,500	$300,000
188	El Paso, TX	58.5	$42,000	$138,000
189	Santa Fe, NM	57.5	$62,000	$252,000
190	Portland-Vancouver-Hillsboro, OR-WA	57.4	$68,300	$259,000
191	Newark-Union, NJ-PA ^^^	56.8	$90,100	$305,000
192	Medford, OR	56.4	$52,200	$204,000
193	Sacramento–Arden-Arcade–Roseville, CA	56.3	$70,900	$268,000
194	Cambridge-Newton-Framingham, MA ^^^	56.0	$101,000	$383,000
195	Midland, TX	55.6	$65,100	$223,000
196	Bend, OR	55.2	$59,700	$235,000
197	Flagstaff, AZ	54.0	$56,500	$239,000
198	Stockton, CA	53.1	$58,600	$225,000
199	Boston-Quincy, MA ^^^	52.6	$88,000	$353,000
200	Riverside-San Bernardino-Ontario, CA	52.5	$62,600	$245,000
201	Miami-Miami Beach-Kendall, FL ^^^	52.4	$49,000	$177,000
202	Seattle-Bellevue-Everett, WA ^^^	52.0	$86,700	$350,000
203	Dover, DE	50.8	$68,000	$300,000
203	Nassau-Suffolk, NY ^^^	50.8	$105,900	$395,000
205	Ocean City, NJ	50.2	$76,600	$312,000
206	Naples-Marco Island, FL	49.8	$65,700	$275,000
207	Barnstable Town, MA	49.6	$74,900	$320,000
208	Honolulu, HI	46.8	$86,300	$430,000
209	Bridgeport-Stamford-Norwalk, CT	46.7	$87,900	$351,000
210	Laredo, TX	41.8	$40,300	$152,000
211	Santa Barbara-Santa Maria-Goleta, CA	38.8	$71,000	$390,000
212	Oakland-Fremont-Hayward, CA ^^^	37.9	$89,200	$450,000
213	Oxnard-Thousand Oaks-Ventura, CA	36.7	$86,700	$432,000
214	Santa Rosa-Petaluma, CA	29.4	$74,900	$410,000
215	Napa, CA	29.0	$80,600	$450,000
215	San Diego-Carlsbad-San Marcos, CA	29.0	$72,300	$409,000
217	San Luis Obispo-Paso Robles, CA	28.7	$70,900	$421,000
218	Salinas, CA	27.8	$63,100	$395,000
219	San Jose-Sunnyvale-Santa Clara, CA	26.0	$101,300	$625,000
220	New York-White Plains-Wayne, NY-NJ ^^^	23.4	$66,000	$460,000
221	Los Angeles-Long Beach-Glendale, CA ^^^	20.6	$61,900	$424,000
222	Santa Ana-Anaheim-Irvine, CA ^^^	20.0	$84,100	$557,000
223	Santa Cruz-Watsonville, CA	18.6	$73,800	$530,000
224	San Francisco-San Mateo-Redwood City, CA ^^^	14.1	$101,200	$800,000