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You now need a six-figure salary to buy a home in most of the: US. Here are the 10 most and 10 least expensive cities to buy one.
In the most expensive cities in the country, you need to make over $250,000 to live comfortably.yhelfman/Getty ImagesA study shows that the amount of money needed to own a home is increasing.A handful of cities require more than a quarter-million in salary to afford a home comfortably.In other cities, you can afford a home with less than the US median salary.Americans searching for homes today are facing some of the harshest conditions yet. Some people are opting for extreme measures, like living in tiny homes in expensive neighborhoods, moving in with family members, or, sometimes, a combination of both.A number of prospective homeowners have uprooted their lives and moved to different parts of the country — or even the world — in search of a more affordable lifestyle.The South, in particular, saw a large influx of Northerners seeking lower home prices and a lower overall cost of living. The Midwest, too, has become a hot destination due to its growing affordability.How much money you make plays a major role in where you can afford to live. A report from Consumer Affairs shows that the amount you need to make in order to buy a home doesn't generally align with how much people are making.The median household income in the US was $83,730 in 2024, according to the US Census Bureau. The Consumer Affairs report found that an annual income of $120,796 is needed for homeownership, assuming a 10% down payment. That number varies depending on where you live.The report found that California is home to the most cities that require a handsome salary, with nine out of the 10 cities in the top 10 being in the Golden State. Meanwhile, the cities that support salaries on the lower end are scattered throughout the South and Midwest.See what cities require the highest and lowest salaries to afford a home.The 10 cities that require the least income to afford a homeYoungstown, Ohio.Sean Pavone/Getty Images/iStockphoto10. Macon, GeorgiaMacon, Georgia.Sean Pavone/Getty Images/iStockphotoIncome: $67,832Median home-sale price: $197,500Population: 157,056 (Macon-Bibb County)9. Fort Smith, ArkansasSebastian County, Arkansas, home to Fort Smith.Brad McGinley Photography/Getty ImagesIncome: $67,064Median home-sale price: $196,000Population: 90,5078. Columbus, GeorgiaColumbus, Georgia.Jacob Boomsma/Getty ImagesIncome: $66,245Median home-sale price: $210,000Population: 201,8307. Mobile, AlabamaMobile, Alabama.Cavan Images / George Dodd/Getty Images/Cavan Images RFIncome: $66,241Median home-sale price: $232,250Population: 201,3676. Binghamton, New YorkBinghamton, New YorkChrisBoswell/Getty Images/iStockphotoIncome: $65,989Median home-sale price: $175,000Population: 46,7735. Peoria, IllinoisPeoria, Illinois.Sean Pavone/Getty ImagesIncome: $65,486Median home-sale price: $145,900Population: 111,6964. Flint, MichiganFlint, Michigan.Brand Diverse Solutions Steven Barber/Getty Images/iStockphotoIncome: $63,535Median home-sale price: $50,000Population: 79,7353. Shreveport, LouisianaShreveport, Louisiana.Sean Pavone/Getty Images/iStockphotoIncome: $63,030Median home-sale price: $185,000Population: 176,5782. Youngstown, OhioYoungstown, OhioInfiniteImpactStudios/Getty Images/iStockphotoIncome: $59,433Median home-sale price: $90,000Population: 59,1231. Huntington, West VirginiaHuntington, West Virginia.Posnov/Getty ImagesIncome: $53,650Median home-sale price: $144,450Population: $44,942The 10 cities that require the most income to afford a homeSan Jose, California.Steve Proehl/Getty Images10. Honolulu, HIHonolulu, Hawaii.SCStock/Getty ImagesIncome needed: $255,280Median sales price: $605,000Population: 344,9679. Salinas, CASalinas, California.4kodiak/Getty ImagesIncome needed: $262,403Median sales price: $699,000Population: 160,7838. Oxnard, CAOxnard, California.benedek/Getty ImagesIncome needed: $276,805Median sales price: $797,500Population: 200,6167. San Luis Obispo, CASan Luis Obispo, California.MattGush/Getty ImagesIncome needed: $280,591Median sales price: $1,102,500Population: 49,7296. San Diego, CASan Diego, California.Brandon Colbert Photography/Getty ImagesIncome needed: $293,618Median sales price: $950,000Population: 1,404,4525. Los Angeles, CALos Angeles.frankpeters/Getty ImagesIncome needed: $301,221Median sales price: $1,025,000Population: üç,878,7044. Santa Maria, CASanta Maria, California.MattGush/Getty ImagesIncome needed: $305,535Median sales price: $617,500Population: 111,3463. Santa Cruz, CASanta Cruz, California.Pgiam/Getty ImagesIncome needed: $354,973Median sales price: $1,352,000Population: 62,5812. San Francisco, CASan Francisco.frankpeters/Getty ImagesIncome needed: $358,090Median sales price: $1,687,500Population: 827,5261. San Jose, CASan Jose, California.Steve Proehl/Getty ImagesIncome needed: $501,012Median sales price: $1,489,000Population: 997,368Read the original article on Business Insider
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