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GOBankingRates referred to this data to determine how much house middle-class families can afford.

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To determine how much house a middle-class household can afford, GOBankingRates sourced Zillow Affordability Research Data.

Key Findings

Find out how much housemiddle-class families can afford in these 50 metros.

San Jose, California

2.

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Santa Cruz, California

3.

Kahului, Hawaii

4.

San Francisco

5.

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Santa Maria, California

6.

Los Angeles

7.

San Luis Obispo, California

8.

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San Diego

9.

Salinas, California

10.

Napa, California

11.

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Oxnard, California

12.

Honolulu

13.

Santa Rosa, California

14.

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Ocean City, New Jersey

15.

Barnstable Town, Massachusetts

16.

Boulder, Colorado

17.

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New York City

18.

Flagstaff, Arizona

19.

Bozeman, Montana

20.

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Bellingham, Washington

21.

Bend, Oregon

22.

Missoula, Montana

23.

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Boston

24.

Corvallis, Oregon

25.

Coeur dAlene, Idaho

26.

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Seattle

27.

Riverside, California

28.

Miami

29.

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Naples, Florida

30.

Bridgeport, Connecticut

31.

Santa Fe, New Mexico

32.

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Wenatchee, Washington

33.

Sacramento, California

34.

Merced, California

35.

Reno, Nevada

36.

Mount Vernon, Washington

37.

Stockton, California

38.

Hilton Head Island, South Carolina

39.

Vallejo, California

40.

Saint George, Utah

41.

Fort Collins, Colorado

42.

The Villages, Florida

43.

Portland, Oregon

44.

Providence, Rhode Island

45.

Port Saint Lucie, Florida

46.

Eugene, Oregon

47.

Madera, California

48.

Chico, California

49.

Grand Junction, Colorado

50.

Spending more than 30% of household income on housing is considered unaffordable.

All data was collected on and is up to date as of March 21, 2025.

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