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If you are looking for an affordable home, the Midwest is the region that you need to visit.
According to the National Association of Home Builders, the two most affordable major housing markets in the country during the third quarter of the year were Indianapolis, Ind., and Youngstown, Ohio. In both Indianapolis and Youngstown, 91 percent of homes sold in the third quarter were affordable to families earning the areas?EUR??,,????'?????<????????????EUR??,,?? median household incomes of $65,100 and $52,000, respectively.
Also near the top of the list for affordable major metropolitan areas were Grand Rapids-Wyoming, Mich.; Warren-Troy-Farmington Hills, Mich.; and Detroit-Livonia-Dearborn, Mich., in that order.
The NAHB?EUR??,,????'?????<????????????EUR??,,??s third-quarter Housing Opportunity Index readings show that 56.1 percent of all new and existing homes that were sold were affordable to families earning the national median income of $61,500, far more than the 40.4 percent of families who could afford homes at the peak of the housing boom.
One smaller metro market (fewer than 500,000 people) outranked all others in terms of housing affordability during the third quarter of 2008 ?EUR??,,????'?????<??????????? Springfield, Ohio, where 92.9 percent of all homes sold in the period were affordable to families earning that area?EUR??,,????'?????<????????????EUR??,,??s median household income of $54,500.
New York-White Plains-Wayne, N.Y.-N.J., was the nation?EUR??,,????'?????<????????????EUR??,,??s least affordable major housing market for the second consecutive quarter. In the New York market, 10.6 percent of the new and existing homes sold during the third quarter were affordable to those earning the area?EUR??,,????'?????<????????????EUR??,,??s median family income of $63,000.
Other major metro areas at the bottom of the housing affordability chart included San Francisco-San Mateo-Redwood City, Calif.; Nassau-Suffolk, N.Y.; Los Angeles-Long Beach-Glendale, Calif.; and Miami-Miami Beach- Kendall, Fla., in that order.
Among smaller metro areas, the other markets at the bottom of the affordability chart were San Luis Obispo-Paso Robles, Calif.; Santa Cruz-Watsonville, Calif.; Napa, Calif.; and Bend, Ore., respectively.
Source: NAHB
Francisco Uviña, University of New Mexico
Hardscape Oasis in Litchfield Park
Ash Nochian, Ph.D. Landscape Architect
November 12th, 2025
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