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The cities are centered almost entirely in the Midwest and Texas.
See whether your dream city is on the list.
Also see the easiest cities for middle-class people to buy homes.
The middle class was defined as having two-thirds to double the national median income.
The cities with a mortgage under the minimum middle-class income were kept for this study.
Using the Zillow Home Value Forecast, the home values and mortgages for January 2026 were calculated.
The cities with an estimated mortgage cost for January 2026 over the 30% limit were identified.
The cities were sorted to show the most unaffordable places first.
All data was collected on and is up to date as of Feb. 26, 2025.
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