Which metro area has the lowest afford score?

Borger, TX ranks #1 with 1.4 (2020 Decennial Census).

What are the top 5 metro areas by afford score?

Borger, TX, Pampa, TX, Town of Pecos, TX, Vernon, TX, Centralia, IL.

How many metro areas are in this ranking?

918 metro areas qualify after filtering for population minimums and data availability. The ranking covers 2020 Decennial Census data.

How is afford score measured?

CensusEasy Afford Score: median home value divided by median household income, the number of years of a typical local income it takes to buy a typical local home. Lower is more affordable. Source: US Census Bureau, 2020 Decennial Census.

RANKING · 2020 CENSUS · 418 SHOWN OF 918

Most affordable housing, US metro areas · 2020

US metro areas with the lowest CensusEasy Afford Score, where homes cost the fewest years of local income (2020 ACS).

Flip the list · Least affordable housing, US metro areas →

All statesAll rankings

SAME RANKING BYCities Counties States ZIP codes

YEAR1990 2010 2020 2024

RANKPLACESTATEPOPAFFORD SCOREVS 1990

501Mount Airy, NCNC72,2872.9+39%

502Winona, MNMN50,5232.9+37%

503Blackfoot, IDID51,1532.9+42%

504Cape Girardeau, MOMO99,2152.9+38%

505Louisville, KYKY1,402,5092.9+43%

506Lewisburg, TNTN38,0712.9+45%

507Watertown, WIWI86,5052.9+50%

508Warrensburg, MOMO56,6702.9+21%

509Fayetteville, NCNC395,4122.9+19%

510Menomonie, WIWI46,2232.9+44%

511Glens Falls, NYNY124,3732.9+7%

512Forest City, NCNC65,7452.9+51%

513Columbus, GAGA324,8302.9+26%

514West Plains, MOMO40,7982.9+32%

515Eau Claire, WIWI176,6472.9+49%

516Florence, ALAL156,6092.9+36%

517Statesboro, GAGA97,9772.9+6%

518Monticello, NYNY80,5862.9−13%

519Greenwood, SCSC95,2152.9+43%

520Tahlequah, OKOK49,1962.9+20%

521Sierra Vista, AZAZ126,3322.9+9%

522Newport, TNTN37,8892.9+21%

523Picayune, MSMS59,3632.9+32%

524McComb, MSMS52,6402.9+9%

525Mount Pleasant, MIMI64,6912.9+25%

526Granbury, TXTX70,5012.9+26%

527Richmond, KYKY131,8062.9+24%

528Bogalusa, LALA44,9372.9+26%

529Grand Rapids, MNMN45,4042.9+48%

530Houston, TXTX7,904,6272.9+47%

531Mitchell, SDSD25,9132.9+85%

532Ludington, MIMI29,0402.9+49%

533Chambersburg, PAPA160,6522.9+20%

534Lafayette, ININ228,4682.9+34%

535Arkadelphia, ARAR20,9382.9+37%

536Memphis, TNTN1,341,4122.9+24%

537Champaign, ILIL239,9792.9+22%

538Waco, TXTX308,8072.9+39%

539Anderson Creek, NCNC150,1372.9+28%

540Baraboo, WIWI66,6522.9+40%

541Bloomsburg, PAPA66,1932.9+30%

542Houma, LALA199,6682.9+22%

543San Antonio, TXTX2,813,1402.9+36%

544Williamsport, PAPA112,5872.9+39%

545Thomasville, GAGA72,9582.9+34%

546Hot Springs, ARAR99,6953.0+13%

547Price, UTUT20,6803.0+45%

548Stevens Point, WIWI71,9433.0+45%

549Augusta, MEME129,0673.0+7%

550Lake Charles, LALA244,6553.0+35%

551Alexandria, LALA147,9523.0+22%

552Greenville, NCNC182,9363.0+8%

553Athens, TNTN71,5903.0+45%

554New Bern, NCNC127,3583.0+18%

555Greensboro, NCNC805,9453.0+24%

556Vineland, NJNJ157,1483.0+22%

557Shelby, NCNC103,3253.0+50%

558Lafayette, LALA423,7583.0+21%

559St. Cloud, MNMN205,8543.0+34%

560Pensacola, FLFL544,9493.0+30%

561Winston-Salem, NCNC712,2063.0+29%

562Gulfport, MSMS431,3293.0+33%

563Niles, MIMI152,4443.0+55%

564Racine, WIWI198,9193.0+55%

565Kingsport, TNTN314,8343.0+33%

566Stephenville, TXTX43,9113.0+27%

567Opelousas, LALA80,7653.0+12%

568Jamestown, NDND21,4143.0+49%

569Roanoke, VAVA316,5473.0+31%

570Lincoln, NENE352,0813.0+42%

571Albany, NYNY915,8353.0−1%

572Sioux Falls, SDSD314,6383.0+56%

573Hays, KSKS29,0753.0+35%

574Lewiston, MEME116,4873.0−5%

575La Crosse, WIWI171,1823.0+44%

576Salisbury, MDMD131,8723.0+25%

577Greenville, SCSC1,014,1013.0+40%

578Rice Lake, WIWI46,4843.0+46%

579Calhoun, GAGA61,7013.0+57%

580Cleveland, MSMS28,2623.0+11%

581Keene, NHNH78,2693.1−13%

582Rutland, VTVT59,6533.1−8%

583Minot, NDND75,6943.1+39%

584Elizabeth City, NCNC42,2013.1+14%

585Fayetteville, ARAR622,1773.1+32%

586Red Wing, MNMN48,1953.1+41%

587Tullahoma, TNTN69,3393.1+49%

588Winchester, TNTN45,5793.1+50%

589Jefferson, GAGA99,2653.1+41%

590Bowling Green, KYKY197,1803.1+37%

591Ames, IAIA128,0903.1+42%

592Dallas, TXTX8,477,1573.1+31%

593Nacogdoches, TXTX66,0353.1+10%

594Burley, IDID49,3083.1+65%

595Valdosta, GAGA153,2763.1+24%

596Springfield, MOMO500,6943.1+35%

597Mountain Home, ARAR42,9823.1+10%

598Othello, WAWA21,4883.1+68%

599Greeneville, TNTN73,8313.1+51%

600Gettysburg, PAPA107,5943.1+19%

601Monroe, LALA222,3903.1+30%

602Morristown, TNTN128,8673.1+44%

603Mankato, MNMN104,9073.1+37%

604Lynchburg, VAVA269,1693.1+36%

605Hermiston, OROR93,7213.1+50%

606Burlington, NCNC186,1773.1+32%

607Allentown, PAPA887,6153.1+1%

608Cleveland, TNTN134,0573.1+51%

609Branson, MOMO57,0013.1+13%

610Chattanooga, TNTN594,5303.1+40%

611Fairbanks, AKAK93,9723.1+35%

612Lancaster, PAPA563,1593.1+17%

613Butte-Silver Bow, MTMT36,1183.1+52%

614Show Low, AZAZ109,9463.1+19%

615Concord, NHNH158,0783.1−4%

616Jacksonville, NCNC217,1753.1+18%

617Watertown, SDSD29,5623.2+37%

618Lakeland, FLFL874,7903.2+31%

619Homosassa Springs, FLFL171,6663.2+2%

620Slidell, LALA279,1083.2+28%

621Knoxville, TNTN968,1373.2+37%

622Auburn, ALAL208,0133.2+9%

623Milwaukee, WIWI1,575,0103.2+40%

624Baton Rouge, LALA888,6993.2+30%

625Williston, NDND41,7673.2+74%

626Shelbyville, TNTN55,2733.2+55%

627Tuscaloosa, ALAL281,8503.2+23%

628Americus, GAGA33,3943.2+51%

629Pocatello, IDID91,5913.2+59%

630Lexington, KYKY535,1743.2+29%

631Hagerstown, MDMD315,2803.2+19%

632Whitewater, WIWI106,1273.2+42%

633St. Simons, GAGA118,5243.2+45%

634Crossville, TNTN66,3003.2+36%

635Brenham, TXTX38,2883.2+29%

636Moses Lake, WAWA105,7273.2+39%

637Rolla, MOMO45,2473.2+44%

638Farmington, NMNM120,3403.3+24%

639Brookings, SDSD37,6353.3+41%

640Ocala, FLFL442,6603.3+18%

641Vernal, UTUT38,2783.3+78%

642Sterling, COCO20,6543.3+64%

643Vermillion, SDSD15,0313.3+33%

644Spirit Lake, IAIA18,0773.3+69%

645Athens, OHOH63,1973.3+34%

646Lexington Park, MDMD211,1763.3+14%

647Lebanon, NHNH224,5003.3−1%

648Johnson City, TNTN216,4163.3+40%

649Faribault, MNMN69,9393.3+44%

650Columbia, MOMO219,0623.3+38%

651Seneca, SCSC83,7753.3+48%

652Minneapolis, MNMN3,790,2953.3+38%

653Bemidji, MNMN47,0553.3+42%

654Charlotte, NCNC2,938,8303.3+46%

655Lewisburg, PAPA42,3133.3+36%

656Idaho Falls, IDID173,8513.3+59%

657Philadelphia, PAPA6,329,1183.3+23%

658Gainesville, GAGA226,5683.3+30%

659Detroit Lakes, MNMN35,4973.3+42%

660Atlanta, GAGA6,482,1823.4+34%

661Troy, ALAL33,6883.4+34%

662Twin Falls, IDID123,9013.4+59%

663Murray, KYKY39,4213.4+31%

664Chicago, ILIL9,434,1233.4+18%

665Dickinson, NDND39,1423.4+82%

666Traverse City, MIMI156,9723.4+46%

667Savannah, GAGA438,3143.4+46%

668Shreveport, LALA383,4743.4+41%

669Rapid City, SDSD156,9343.4+55%

670Kerrville, TXTX54,0373.4+17%

671Silver City, NMNM27,2523.4+45%

672Manhattan, KSKS136,1223.4+28%

673Cookeville, TNTN152,4773.4+49%

674Jacksonville, FLFL1,785,5003.4+49%

675Panama City, FLFL231,1743.4+41%

676Daphne, ALAL267,7613.4+37%

677Fergus Falls, MNMN61,0413.4+60%

678Ontario, OROR60,0853.4+53%

679Baltimore, MDMD2,857,7813.4+32%

680Fargo, NDND269,5283.4+41%

681Richmond, VAVA1,389,3383.4+49%

682Hudson, NYNY60,1683.4−1%

683Hammond, LALA141,3463.4+13%

684Laconia, NHNH65,1473.4−4%

685Winchester, VAVA152,3323.4+21%

686Pueblo, COCO169,2773.5+47%

687Cheyenne, WYWY102,9383.5+38%

688Alexandria, MNMN40,1203.5+36%

689Raleigh, NCNC1,595,7203.5+34%

690Casper, WYWY80,5263.5+83%

691Bloomington, ININ165,2313.5+35%

692Lawrence, KSKS120,9203.5+30%

693Trenton, NJNJ399,2893.5+5%

694Yakima, WAWA259,1853.5+50%

695Las Cruces, NMNM229,0913.5+14%

696Kiryas Joel, NYNY718,3773.5−2%

697Kennewick, WAWA324,3343.5+67%

698Bismarck, NDND139,7503.5+52%

699Staunton, VAVA129,6923.5+45%

700Lake of the Woods, VAVA40,0833.5+35%

701Manchester, NHNH433,4153.5+3%

702Fallon, NVNV25,8513.5+22%

703Morgantown, WVWV141,9953.5+30%

704Madison, WIWI709,6853.5+55%

705Great Falls, MTMT85,0293.5+40%

706Brigham City, UTUT70,4053.5+83%

707Cambridge, MDMD33,6283.5+30%

708Barre, VTVT59,6523.6+18%

709Pittsfield, MAMA128,2243.6−5%

710Tallahassee, FLFL397,4423.6+41%

711Ithaca, NYNY104,0473.6+4%

712Grand Forks, NDND105,0463.6+52%

713Ogden, UTUT672,7843.6+66%

714Blacksburg, VAVA181,6163.6+32%

715Waynesville, NCNC63,3693.6+37%

716Mountain Home, IDID29,4653.6+47%

717Riverton, WYWY39,4643.6+55%

718Lake Havasu City, AZAZ228,1023.6+16%

719Atlantic City, NJNJ372,0473.6+10%

720Iowa City, IAIA182,7113.6+41%

721Bennington, VTVT36,6303.6+6%

722Albuquerque, NMNM925,2793.6+21%

723Pinehurst, NCNC110,6193.6+28%

724Tucson, AZAZ1,074,6853.6+20%

725Virginia Beach, VAVA1,797,2133.6+30%

726Myrtle Beach, SCSC427,5513.6+20%

727Pahrump, NVNV57,3363.6+51%

728Crestview, FLFL315,0983.6+47%

729Susanville, CACA28,1173.6+41%

730Brainerd, MNMN100,5623.7+45%

731Sevierville, TNTN101,3423.7+36%

732Kingston, NYNY183,3303.7+9%

733Anchorage, AKAK405,8213.7+54%

734La Grande, OROR25,9003.7+90%

735Ann Arbor, MIMI370,2143.7+40%

736Nogales, AZAZ50,0203.7+14%

737Alamosa, COCO27,8963.7+50%

738Hanford, CACA154,3273.7+34%

739Petoskey, MIMI33,7753.7+49%

740Palm Bay, FLFL663,9823.7+52%

741Lewiston, IDID65,4503.7+61%

742Fort Morgan, COCO30,3063.7+66%

743Tampa, FLFL3,418,8953.7+38%

744Payson, AZAZ53,8013.7+33%

745Oxford, MSMS71,9723.7+41%

746Springfield, MAMA464,3383.8−5%

747Portland, MEME577,6353.8+6%

748Murrells Inlet, SCSC65,9123.8+45%

749Dover, DEDE194,7863.8+37%

750Cañon City, COCO50,0393.8+30%

751Starkville, MSMS62,0633.8+45%

752Deltona, FLFL746,9333.8+33%

753Harrisonburg, VAVA140,1553.8+36%

754Aberdeen, WAWA78,1443.8+80%

755Sebastian, FLFL172,7993.8+42%

756Nashville, TNTN2,197,4163.8+53%

757Worcester, MAMA888,5023.8−2%

758Austin, TXTX2,620,9453.8+42%

759Gainesville, FLFL359,0363.8+32%

760Ruidoso, NMNM19,8443.8+10%

761Billings, MTMT193,6033.8+59%

762Huntsville, TXTX83,8423.9+41%

763Klamath Falls, OROR70,2743.9+70%

764Baker City, OROR16,6583.9+107%

765Morehead City, NCNC70,4693.9+39%

766State College, PAPA157,3933.9+36%

767Greenfield, MAMA70,6983.9+4%

768Burlington, VTVT227,8033.9+26%

769Amherst, MAMA164,0653.90%

770Cape Coral, FLFL875,6073.9+34%

771Athens, GAGA224,1484.0+31%

772Punta Gorda, FLFL217,2124.0+34%

773Durham, NCNC625,4854.0+41%

774Orlando, FLFL2,957,6724.0+50%

775Port St. Lucie, FLFL568,7214.0+34%

776Ketchikan, AKAK13,5494.0+64%

777Helena, MTMT97,1534.0+74%

778Brattleboro, VTVT45,2044.0+15%

779Juneau city and, AKAK31,6094.0+69%

780Walla Walla, WAWA62,3614.0+75%

781Albany, OROR132,8434.0+99%

782Phoenix, AZAZ5,228,9384.0+48%

783College Station, TXTX287,4764.1+33%

784Boise City, IDID864,2434.1+78%

785Spokane, WAWA608,0124.1+79%

786Charleston, SCSC889,2634.1+59%

787Ocean Pines, MDMD54,4594.1+36%

788Española, NMNM39,8324.1+30%

789Wilmington, NCNC492,7724.1+52%

790Stillwater, OKOK83,8894.1+61%

791Shelton, WAWA71,1654.1+54%

792Providence, RIRI1,708,1614.1−3%

793Bakersfield, CACA927,0684.1+44%

794Seaford, DEDE277,1404.2+39%

795Lacey, WAWA304,2614.2+61%

796North Port, FLFL948,1584.2+41%

797Ruston, LALA48,3604.2+44%

798Longview, WAWA114,8854.2+90%

799Las Vegas, NMNM30,3114.2+56%

800Logan, UTUT160,8894.2+74%

801Roseburg, OROR111,9514.2+78%

802The Dalles, OROR26,3104.2+107%

803Hilton Head Island, SCSC242,9664.2+21%

804Centralia, WAWA88,0624.2+81%

805Colorado Springs, COCO781,7964.2+54%

806Visalia, CACA485,1464.3+42%

807Salt Lake City, UTUT1,308,3774.3+84%

808Grand Junction, COCO162,8454.3+62%

809New Orleans, LALA970,8494.3+43%

810Spearfish, SDSD29,4594.3+104%

811Provo, UTUT773,4264.4+72%

812Bishop, CACA18,1584.4−10%

813Charlottesville, VAVA228,5974.4+47%

814Asheville, NCNC422,3454.4+68%

815Salem, OROR445,8144.4+93%

816Greeley, COCO378,4264.4+67%

817Washington, DCDC6,465,7244.4+26%

818Cody, WYWY31,1714.4+75%

819Montrose, COCO44,5914.4+68%

820Cedar City, UTUT67,1414.4+63%

821Coos Bay, OROR63,9924.5+98%

822El Centro, CACA181,4114.5+39%

823The Villages, FLFL157,7724.5+80%

824Brevard, NCNC34,2114.5+56%

825Kill Devil Hills, NCNC38,2454.5+23%

826Crescent City, CACA26,4104.6+21%

827Redding, CACA181,6484.6+28%

828Easton, MDMD38,2384.6+25%

829Bremerton, WAWA283,3744.6+65%

830Las Vegas, NVNV2,407,2264.7+55%

831Fresno, CACA1,203,3834.7+49%

832Yuba City, CACA187,4784.7+45%

833Rexburg, IDID69,3804.7+76%

834Red Bluff, CACA64,6654.7+54%

835Laramie, WYWY38,5584.7+46%

836Merced, CACA297,2604.8+35%

837Moscow, IDID41,8424.8+70%

838Sheridan, WYWY33,2414.8+104%

839Mount Vernon, WAWA132,9754.8+69%

840Wenatchee, WAWA128,4144.8+71%

841Coeur d'Alene, IDID191,8644.8+92%

842Clearlake, CACA67,7724.8+10%

843Natchitoches, LALA36,0894.8+65%

844Santa Fe, NMNM156,9074.9+40%

845Port Angeles, WAWA78,2024.9+57%

846Denver, COCO3,092,0374.9+90%

847St. George, UTUT213,6705.0+56%

848Modesto, CACA557,7195.0+21%

849Fredericksburg, TXTX28,5275.1+86%

850Flagstaff, AZAZ144,3685.1+60%

851Portland, OROR2,542,2825.1+119%

852Eugene, OROR381,5845.1+97%

853Kalispell, MTMT115,4295.1+92%

854Fort Collins, COCO377,2925.1+81%

855Prescott Valley, AZAZ252,5525.1+33%

856Miami, FLFL6,391,0725.1+71%

857Reno, NVNV578,7345.1+49%

858Carson, NVNV58,5715.1+64%

859Vallejo, CACA455,3765.2+37%

860Boston, MAMA5,034,2215.2+18%

861Sonora, CACA53,1605.2+15%

862Naples, FLFL417,1315.2+46%

863Medford, OROR221,7955.2+75%

864Newport, OROR50,6365.2+73%

865Riverside, CACA4,769,0075.2+31%

866Ellensburg, WAWA48,8035.3+81%

867Boone, NCNC54,7865.3+49%

868Missoula, MTMT128,6985.3+92%

869Sandpoint, IDID54,4205.3+89%

870Stockton, CACA823,8155.4+36%

871Brookings, OROR22,6215.4+46%

872Astoria, OROR40,9265.4+118%

873Barnstable, MAMA233,5395.4+5%

874Sacramento, CACA2,477,2745.4+30%

875Bend, OROR266,3765.4+109%

876Oak Harbor, WAWA85,6575.4+52%

877Pullman, WAWA48,5125.4+92%

878Seattle, WAWA4,161,8835.4+55%

879Rifle, COCO80,0995.5−7%

880Corvallis, OROR97,7285.5+106%

881Bozeman, MTMT128,7405.5+85%

882Chico, CACA209,2115.5+34%

883Hilo, HIHI210,0435.6+48%

884Bellingham, WAWA236,3925.6+77%

885Hood River, OROR23,7205.7+87%

886Steamboat Springs, COCO38,4515.8+136%

887Gardnerville Ranchos, NVNV51,1545.8+68%

888Heber, UTUT81,6555.9+112%

889Grants Pass, OROR87,8675.9+66%

890Taos, NMNM34,5645.9+40%

891Durango, COCO56,8986.0+81%

892Boulder, COCO328,5606.2+113%

893Port Townsend, WAWA33,9706.3+78%

894Hailey, IDID32,4366.3+89%

895Truckee, CACA101,9116.5+36%

896Breckenridge, COCO39,0696.7+130%

897Eureka, CACA131,6476.7+79%

898Oxnard, CACA830,8516.8+28%

899New York, NYNY20,112,4486.9+15%

900Edwards, COCO54,2917.2+96%

901San Diego, CACA3,282,2487.2+36%

902Napa, CACA132,9497.2+46%

903Salinas, CACA433,7297.3+24%

904Kapaa, HIHI73,4007.3+61%

905Ukiah, CACA88,1227.3+57%

906Santa Rosa, CACA486,4447.4+34%

907Santa Maria, CACA442,0657.7+11%

908Key West, FLFL80,4067.8+54%

909San Luis Obispo, CACA282,3677.8+13%

910Kahului, HIHI160,6747.8+51%

911Honolulu, HIHI988,7038.0+15%

912San Francisco, CACA4,630,0418.1+22%

913San Jose, CACA1,984,4738.1+35%

914Jackson, WYWY36,5878.1+116%

915Los Angeles, CACA12,844,4418.3+35%

916Santa Cruz, CACA258,8528.7+27%

917Nantucket, MAMA14,7589.9+36%

918Vineyard Haven, MAMA21,21910.3+66%

SHOWING 501–918 OF 918

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Download CSV (full list, 918 rows)How this score is calculated

UPDATED 2026-09-11 · DATA: US CENSUS BUREAU DECENNIAL CENSUS