Ralo data
Home Affordability Index
63 U.S. cities ranked by price-to-income ratio: median home value divided by median household income. A lower ratio means homes are more affordable relative to local incomes. Home values are from Zillow; incomes are from the U.S. Census Bureau.
Most affordable
Columbus, OH
Least affordable
Irvine, CA
Cities in the index
Price-to-income, median home ÷ median income
All cities, most to least affordable
| # | City | Median home value | Median income | Price-to-income | Affordability |
|---|---|---|---|---|---|
| 1 | Columbus, OH | $243,122 | $76,578 | 3.2× | Affordable |
| 2 | Lubbock, TX | $210,957 | $64,512 | 3.3× | Affordable |
| 3 | Corpus Christi, TX | $222,115 | $66,726 | 3.3× | Affordable |
| 4 | Buffalo, NY | $244,068 | $73,040 | 3.3× | Affordable |
| 5 | San Antonio, TX | $244,623 | $72,578 | 3.4× | Affordable |
| 6 | Fort Worth, TX | $292,949 | $85,208 | 3.4× | Affordable |
| 7 | Houston, TX | $259,465 | $74,682 | 3.5× | Affordable |
| 8 | Round Rock, TX | $395,851 | $113,487 | 3.5× | Affordable |
| 9 | Garland, TX | $280,515 | $78,910 | 3.5× | Affordable |
| 10 | Arlington, TX | $306,472 | $85,208 | 3.6× | Affordable |
| 11 | Laredo, TX | $219,517 | $58,736 | 3.7× | Affordable |
| 12 | Atlanta, GA | $380,331 | $100,751 | 3.8× | Affordable |
| 13 | McKinney, TX | $472,867 | $124,920 | 3.8× | Affordable |
| 14 | Sugar Land, TX | $440,014 | $115,538 | 3.8× | Affordable |
| 15 | Philadelphia, PA | $231,584 | $60,500 | 3.8× | Affordable |
| 16 | Dallas, TX | $303,442 | $78,910 | 3.9× | Affordable |
| 17 | Jacksonville, FL | $284,832 | $73,638 | 3.9× | Affordable |
| 18 | Amarillo, TX | $209,627 | $53,656 | 3.9× | Affordable |
| 19 | El Paso, TX | $237,556 | $59,883 | 4.0× | Affordable |
| 20 | Raleigh, NC | $424,663 | $107,083 | 4.0× | Affordable |
| 21 | Plano, TX | $497,714 | $124,920 | 4.0× | Affordable |
| 22 | Cape Coral, FL | $334,660 | $83,479 | 4.0× | Moderate |
| 23 | Chicago, IL | $334,108 | $82,729 | 4.0× | Moderate |
| 24 | Irving, TX | $337,610 | $78,910 | 4.3× | Moderate |
| 25 | Charlotte, NC | $389,648 | $90,698 | 4.3× | Moderate |
| 26 | Aurora, CO | $447,833 | $103,442 | 4.3× | Moderate |
| 27 | Katy, TX | $330,372 | $74,682 | 4.4× | Moderate |
| 28 | Tucson, AZ | $318,760 | $71,993 | 4.4× | Moderate |
| 29 | Tampa, FL | $375,619 | $84,691 | 4.4× | Moderate |
| 30 | Phoenix, AZ | $404,067 | $90,919 | 4.4× | Moderate |
| 31 | Tallahassee, FL | $291,188 | $64,847 | 4.5× | Moderate |
| 32 | Orlando, FL | $372,775 | $81,645 | 4.6× | Moderate |
| 33 | Stockton, CA | $422,451 | $91,854 | 4.6× | Moderate |
| 34 | Mesa, AZ | $428,871 | $90,919 | 4.7× | Moderate |
| 35 | St. Petersburg, FL | $351,862 | $73,605 | 4.8× | Moderate |
| 36 | Colorado Springs, CO | $439,542 | $90,778 | 4.8× | Moderate |
| 37 | Lakewood, CO | $550,008 | $109,969 | 5.0× | Moderate |
| 38 | Sacramento, CA | $470,552 | $93,331 | 5.0× | Expensive |
| 39 | Austin, TX | $491,960 | $97,487 | 5.0× | Expensive |
| 40 | Frisco, TX | $640,131 | $124,920 | 5.1× | Expensive |
| 41 | Fresno, CA | $384,885 | $74,244 | 5.2× | Expensive |
| 42 | Las Vegas, NV | $417,475 | $80,047 | 5.2× | Expensive |
| 43 | Nashville, TN | $425,889 | $80,803 | 5.3× | Expensive |
| 44 | Bakersfield, CA | $385,686 | $71,295 | 5.4× | Expensive |
| 45 | Oakland, CA | $710,647 | $128,031 | 5.5× | Expensive |
| 46 | Denver, CO | $520,947 | $92,395 | 5.6× | Expensive |
| 47 | Hialeah, FL | $443,765 | $75,779 | 5.9× | Expensive |
| 48 | Fort Collins, CO | $554,735 | $93,518 | 5.9× | Expensive |
| 49 | Fort Lauderdale, FL | $509,743 | $81,337 | 6.3× | Very expensive |
| 50 | Seattle, WA | $822,572 | $121,984 | 6.7× | Very expensive |
| 51 | Riverside, CA | $641,514 | $92,611 | 6.9× | Very expensive |
| 52 | Santa Ana, CA | $858,641 | $114,858 | 7.5× | Very expensive |
| 53 | Miami, FL | $583,705 | $75,779 | 7.7× | Very expensive |
| 54 | New York City, NY | $825,854 | $105,713 | 7.8× | Very expensive |
| 55 | Boston, MA | $761,236 | $95,174 | 8.0× | Very expensive |
| 56 | San Jose, CA | $1,353,869 | $166,984 | 8.1× | Very expensive |
| 57 | Anaheim, CA | $941,684 | $114,858 | 8.2× | Very expensive |
| 58 | San Diego, CA | $980,490 | $108,754 | 9.0× | Very expensive |
| 59 | Scottsdale, AZ | $851,746 | $90,919 | 9.4× | Very expensive |
| 60 | Long Beach, CA | $852,391 | $90,757 | 9.4× | Very expensive |
| 61 | Los Angeles, CA | $927,891 | $90,757 | 10.2× | Very expensive |
| 62 | San Francisco, CA | $1,441,021 | $137,184 | 10.5× | Very expensive |
| 63 | Irvine, CA | $1,481,490 | $114,858 | 12.9× | Very expensive |
A ratio at or below 3× is generally considered affordable; above 5× is stretched. Home values are the Zillow Home Value Index; incomes are Census American Community Survey medians.
At a Glance
- Columbus, OH is the most affordable city in the index at 3.2× price-to-income.
- Irvine, CA is the least affordable at 12.9×.
- A price-to-income ratio at or below 3× is generally considered affordable; above 5× is stretched.
Latest published annual update:
Annual demographic and affordability datasets refresh on a slower release cycle than live rates.
Primary sources behind this page
- U.S. Census BureauAccessed for source verification
- Zillow ResearchAccessed for source verification
Arjun Lalwani
NMLS #2753950Former Google product leader with expertise in marketplace systems. Recognized by the U.S. government for extraordinary ability in building and scaling marketplaces. Licensed mortgage professional bringing rigorous product execution to home financing.