Housing costs keep climbing in most American cities, so I asked ChatGPT which places might actually stay affordable over the next few years. The AI analyzed current trends in housing prices, income levels and cost of living to predict which cities will give you the most bang for your buck by 2027.
The answer wasn’t what I expected. Forget the usual suspects you see on “cheap cities” lists. ChatGPT identified specific metros where affordability looks sustainable, not just temporarily low.
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What Affordable Actually Means
ChatGPT started by defining what makes a city truly affordable. It’s not just about finding the lowest rent possible. The AI explained that real affordability combines housing costs significantly below the national average, a favorable ratio between housing prices and local incomes, stable prices that won’t suddenly spike and a diversified economy that keeps demand steady without causing price explosions…