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Rank.aiUS cities· 58 metros
United States · 58 metropolitan areas

Homeownership.

Where are home prices lower relative to income? Among these 58 metros, Cleveland, OH ranks first at 3.1× (Q3 2025).

Metros are Census metropolitan statistical areas, not city limits. ACS 2024 one-year figures are annual survey estimates with margins of error, not live salaries, asking rents or monthly job reports.

All US city rankings
Income × rent · ACS 2024Select a metro to highlight it in the table
$1000$1400$1800$2200$2600$3000$50k$80k$110k$140k$170kHigher monthly gross rentMore income, lower rentANNUAL MEDIAN HOUSEHOLD INCOME →Pittsburgh, PA: $77,214 income · $1,083 monthly gross rentOklahoma City, OK: $72,930 income · $1,162 monthly gross rentRochester, NY: $76,453 income · $1,172 monthly gross rentSt. Louis, MO-IL: $81,679 income · $1,154 monthly gross rentOmaha, NE-IA: $84,524 income · $1,230 monthly gross rentLouisville, KY-IN: $74,305 income · $1,140 monthly gross rentCincinnati, OH-KY-IN: $81,489 income · $1,203 monthly gross rentDallas-Fort Worth, TX: $92,733 income · $1,718 monthly gross rentDetroit, MI: $76,403 income · $1,248 monthly gross rentTulsa, OK: $69,658 income · $1,115 monthly gross rentAtlanta, GA: $92,344 income · $1,770 monthly gross rentBuffalo, NY: $72,300 income · $1,114 monthly gross rentMinneapolis-St. Paul, MN-WI: $97,928 income · $1,444 monthly gross rentSan Antonio, TX: $78,112 income · $1,422 monthly gross rentColumbus, OH: $82,938 income · $1,359 monthly gross rentHouston, TX: $81,417 income · $1,469 monthly gross rentIndianapolis, IN: $80,239 income · $1,273 monthly gross rentKansas City, MO-KS: $83,785 income · $1,315 monthly gross rentGrand Rapids, MI: $81,541 income · $1,289 monthly gross rentMemphis, TN-MS-AR: $68,124 income · $1,330 monthly gross rentBaltimore, MD: $98,666 income · $1,633 monthly gross rentBirmingham, AL: $74,954 income · $1,262 monthly gross rentChicago, IL-IN-WI: $90,770 income · $1,469 monthly gross rentHartford, CT: $94,419 income · $1,458 monthly gross rentPhiladelphia, PA-NJ-DE-MD: $90,850 income · $1,567 monthly gross rentRaleigh, NC: $102,144 income · $1,674 monthly gross rentVirginia Beach-Norfolk, VA-NC: $82,402 income · $1,556 monthly gross rentGreenville, SC: $75,881 income · $1,236 monthly gross rentNew Orleans, LA: $62,373 income · $1,262 monthly gross rentAustin, TX: $99,897 income · $1,784 monthly gross rentJacksonville, FL: $82,053 income · $1,625 monthly gross rentNashville, TN: $88,800 income · $1,627 monthly gross rentCharlotte, NC-SC: $85,938 income · $1,594 monthly gross rentTampa-St. Petersburg, FL: $78,275 income · $1,776 monthly gross rentPhoenix, AZ: $90,133 income · $1,819 monthly gross rentRichmond, VA: $83,460 income · $1,546 monthly gross rentTucson, AZ: $72,067 income · $1,300 monthly gross rentWashington, DC-VA-MD-WV: $126,244 income · $2,037 monthly gross rentOrlando, FL: $81,044 income · $1,877 monthly gross rentSacramento, CA: $98,775 income · $1,904 monthly gross rentMilwaukee, WI: $77,919 income · $1,177 monthly gross rentFresno, CA: $74,983 income · $1,513 monthly gross rentLas Vegas, NV: $80,028 income · $1,739 monthly gross rentSalt Lake City, UT: $100,548 income · $1,659 monthly gross rentDenver, CO: $108,046 income · $1,943 monthly gross rentPortland, OR-WA: $98,994 income · $1,767 monthly gross rentRiverside-San Bernardino, CA: $91,013 income · $2,006 monthly gross rentProvidence, RI-MA: $82,870 income · $1,396 monthly gross rentBoston, MA-NH: $117,825 income · $2,093 monthly gross rentSeattle, WA: $112,388 income · $2,050 monthly gross rentNew York, NY-NJ-PA: $99,852 income · $1,851 monthly gross rentMiami, FL: $80,625 income · $2,083 monthly gross rentSan Diego, CA: $109,132 income · $2,336 monthly gross rentSan Francisco, CA: $135,590 income · $2,435 monthly gross rentHonolulu, HI: $105,205 income · $2,001 monthly gross rentLos Angeles, CA: $96,405 income · $2,114 monthly gross rentSan Jose, CA: $164,801 income · $2,827 monthly gross rentCleveland
Both axes: Census ACS 2024 metro estimates. Gross rent includes utilities and reflects existing tenants. Household income includes renters and owners; this is not a renter-specific affordability ratio.

Where are home prices lower relative to income?

Ranked by home price / income, Q3 2025. Rank 1 is the lowest value.

Higher household incomesLower unemploymentLower monthly rentsMore short commutesMore transit commutersMore remote workersWarmer year-roundLess precipitationBigger metro areasHomeownership
58 of 58 metros

Demographia median home price divided by median annual household income. Mortgage rates, taxes, insurance and maintenance are not included. Source housing-market boundaries may differ from ACS metros. Source: Demographia International Housing Affordability, 2026 edition.

#Metro areaHousehold incomePeriodOpen
1ClevelandOH$72,5323.1×Q3 2025↗
2PittsburghPA$77,2143.2×Q3 2025↗
3Oklahoma CityOK$72,9303.6×Q3 2025↗
3RochesterNY$76,4533.6×Q3 2025↗
3St. LouisMO-IL$81,6793.6×Q3 2025↗
6OmahaNE-IA$84,5243.7×Q3 2025↗
7LouisvilleKY-IN$74,3053.8×Q3 2025↗
8CincinnatiOH-KY-IN$81,4893.9×Q3 2025↗
8Dallas-Fort WorthTX$92,7333.9×Q3 2025↗
8DetroitMI$76,4033.9×Q3 2025↗
8TulsaOK$69,6583.9×Q3 2025↗
12AtlantaGA$92,3444.0×Q3 2025↗
12BuffaloNY$72,3004.0×Q3 2025↗
12Minneapolis-St. PaulMN-WI$97,9284.0×Q3 2025↗
12San AntonioTX$78,1124.0×Q3 2025↗
16ColumbusOH$82,9384.1×Q3 2025↗
16HoustonTX$81,4174.1×Q3 2025↗
16IndianapolisIN$80,2394.1×Q3 2025↗
16Kansas CityMO-KS$83,7854.1×Q3 2025↗
20Grand RapidsMI$81,5414.2×Q3 2025↗
21MemphisTN-MS-AR$68,1244.3×Q3 2025↗
22BaltimoreMD$98,6664.4×Q3 2025↗
22BirminghamAL$74,9544.4×Q3 2025↗
22ChicagoIL-IN-WI$90,7704.4×Q3 2025↗
22HartfordCT$94,4194.4×Q3 2025↗
22PhiladelphiaPA-NJ-DE-MD$90,8504.4×Q3 2025↗
22RaleighNC$102,1444.4×Q3 2025↗
22Virginia Beach-NorfolkVA-NC$82,4024.4×Q3 2025↗
29GreenvilleSC$75,8814.5×Q3 2025↗
29New OrleansLA$62,3734.5×Q3 2025↗
31AustinTX$99,8974.6×Q3 2025↗
32JacksonvilleFL$82,0534.7×Q3 2025↗
32NashvilleTN$88,8004.7×Q3 2025↗
34CharlotteNC-SC$85,9384.9×Q3 2025↗
35Tampa-St. PetersburgFL$78,2755.0×Q3 2025↗
36PhoenixAZ$90,1335.1×Q3 2025↗
36RichmondVA$83,4605.1×Q3 2025↗
36TucsonAZ$72,0675.1×Q3 2025↗
36WashingtonDC-VA-MD-WV$126,2445.1×Q3 2025↗
40OrlandoFL$81,0445.3×Q3 2025↗
41SacramentoCA$98,7755.4×Q3 2025↗
42MilwaukeeWI$77,9195.5×Q3 2025↗
43FresnoCA$74,9835.7×Q3 2025↗
44Las VegasNV$80,0285.8×Q3 2025↗
44Salt Lake CityUT$100,5485.8×Q3 2025↗
46DenverCO$108,0465.9×Q3 2025↗
46PortlandOR-WA$98,9945.9×Q3 2025↗
48Riverside-San BernardinoCA$91,0136.3×Q3 2025↗
49ProvidenceRI-MA$82,8706.5×Q3 2025↗
50BostonMA-NH$117,8256.6×Q3 2025↗
51SeattleWA$112,3886.9×Q3 2025↗
52New YorkNY-NJ-PA$99,8527.5×Q3 2025↗
53MiamiFL$80,6257.7×Q3 2025↗
54San DiegoCA$109,1329.0×Q3 2025↗
55San FranciscoCA$135,5909.4×Q3 2025↗
56HonoluluHI$105,20510.4×Q3 2025↗
57Los AngelesCA$96,40510.7×Q3 2025↗
58San JoseCA$164,80111.3×Q3 2025↗
58 of 58 metros · Q3 2025Ranks are among these 58 metros, not every US city. Ties share a rank.
Before you make a move

How to read these rankings

Which city is best for me?

Start with the decision you are making. Compare income and employment for work, rent for an ongoing housing bill, and monthly climate for the seasons you prefer. Use the comparison workspace to see what you gain and give up.

Does a high income mean life is cheaper?

No. Household income is not an individual job offer, and rent is only one expense. A personal budget also needs taxes, transport, childcare, healthcare and other costs. We do not label our housing measures a complete cost-of-living score.

Is this the city or its surrounding metro?

These are metro-level comparisons. Your neighborhood can have very different rent, schools, transport and commute times. Metro averages are a starting point for deciding where to look more closely.

Where are safety, schools and things to do?

Those need additional, comparable local sources. They are not included in these rankings yet. We show the specific measures we have rather than filling the gaps with a general “quality of life” score.

Where these numbers come fromData & methodology
Source
Demographia International Housing Affordability, 2026 editionIncome, jobs, rent and commuting: US Census Bureau ACS 2024 one-year estimates via Census Reporter. Climate: NASA POWER / MERRA-2. Home prices: Demographia 2026 edition.
Period
Q3 2025ACS survey year 2024 · climate averages 2001–2020 · house prices Q3 2025
Coverage
58 US metropolitan statistical areasThe metro universe comes from Demographia housing coverage; it is not every US city or city-proper boundary.
Definition
Home price / incomeDemographia median home price divided by median annual household income. Mortgage rates, taxes, insurance and maintenance are not included. Source housing-market boundaries may differ from ACS metros.

Survey point estimates; small rank differences can fall within sampling uncertainty. Raw ACS estimates and margins of error are retained in the source data; margins for derived ratios are not computed. No overall quality-of-life or cost-of-living score is computed. Row thumbnails are the licensed Wikimedia Commons photographs credited on each metro profile.

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