A home in many U.S. cities now requires a household income far above the national average. In some metros, six-figure salaries barely cover mortgage payments on a typical property. In others, housing costs still line up with more realistic earnings.
The cities below reflect places where average home prices and monthly payments stay closer to what many households actually make. Together, they offer a clearer view of where homeownership feels reachable and what income levels support a stable, comfortable lifestyle.
1. Pittsburgh, Pennsylvania — Around $65,200
Data from Realtor.com shows that Pittsburgh stands out as one of the most approachable large metro areas for homebuyers. Median home prices remain relatively modest, keeping monthly mortgage payments manageable on an income just above $65,000.
The city’s lower overall cost of living helps stretch paychecks further, leaving room for utilities, transportation, and savings. Buyers often find a mix of older homes with character and updated properties in walkable neighborhoods, which keeps options open across different budgets.
2. Cleveland, Ohio — Around $66,500
Cleveland offers a rare balance of city amenities and restrained housing costs. Home prices hover in a range that allows a mid-$60,000 income to cover mortgage payments without overwhelming a household budget…