Affordability

The most affordable ZIP codes in America

The 50 ZIP codes in the U.S. where homes cost the least compared with what local households earn. In Bronx, NY (10475), the median home value is 0.5 times the median household income. Across 13,060 ZIP codes with at least 5,000 residents, the typical ratio is about 3 to 5.

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Top 50

#	Town	ZIP code	Price-to-income	Median home value	Median household income	Price per sq ft	Population
1	Bronx, NY	10475	0.5×	$33,200	$62,712	$356	42,578
2	Kayenta, AZ	86033	0.9×	$36,200	$40,313	—	7,392
3	East Saint Louis, IL	62205	0.9×	$41,800	$45,672	$32	6,459
4	Flint, MI	48505	1.0×	$31,700	$33,283	$27	18,032
5	Shenandoah, PA	17976	1.0×	$55,200	$57,587	$80	5,916
6	Fort Defiance, AZ	86504	1.0×	$45,000	$46,573	—	5,760
7	Chinle, AZ	86503	1.0×	$37,800	$36,321	—	9,911
8	Lakeland, FL	33815	1.1×	$39,500	$37,487	$231	13,975
9	Pine Ridge, SD	57770	1.1×	$57,600	$52,250	—	5,483
10	Toledo, OH	43605	1.3×	$49,700	$39,118	$63	24,441
11	San Carlos, AZ	85550	1.3×	$65,800	$51,491	—	5,696
12	Ganado, AZ	86505	1.3×	$36,700	$28,547	—	6,779
13	Littlefield, TX	79339	1.3×	$79,000	$60,375	$82	6,685
14	Johnstown, PA	15906	1.3×	$57,100	$43,284	$45	9,504
15	Raymondville, TX	78580	1.3×	$71,700	$53,841	$163	12,964
16	Tuba City, AZ	86045	1.3×	$68,200	$50,844	—	10,319
17	Youngstown, OH	44502	1.4×	$42,100	$31,170	$68	9,594
18	Belcourt, ND	58316	1.4×	$90,800	$66,932	—	5,865
19	Beardstown, IL	62618	1.4×	$89,100	$65,208	—	7,428
20	Gould, AR	71643	1.4×	$45,000	$32,899	—	5,129
21	Flint, MI	48504	1.4×	$53,500	$38,719	$50	24,218
22	Norman Park, GA	31771	1.4×	$87,700	$62,978	$137	7,059
23	Chester, IL	62233	1.4×	$120,500	$84,556	$91	8,326
24	Ogdensburg, NY	13669	1.4×	$100,200	$70,304	$77	15,542
25	Kansas City, MO	64126	1.4×	$57,200	$39,934	$101	6,898
26	Duquesne, PA	15110	1.4×	$63,800	$44,180	$40	5,149
27	Lyons, NY	14489	1.4×	$98,800	$68,250	$131	6,897
28	Coffeyville, KS	67337	1.5×	$75,000	$51,500	$106	10,890
29	Mount Olive, MS	39119	1.5×	$72,600	$49,766	$105	5,739
30	Fritch, TX	79036	1.5×	$132,300	$90,170	$116	5,007
31	Colorado City, TX	79512	1.5×	$88,800	$60,353	$41	7,834
32	Johnstown, PA	15902	1.5×	$65,100	$44,215	$56	11,462
33	Detroit, MI	48217	1.5×	$65,500	$44,447	$56	6,564
34	Saint Louis, MO	63107	1.5×	$64,400	$43,625	$49	8,909
35	Mount Carmel, PA	17851	1.5×	$79,300	$53,637	$60	7,234
36	Mckeesport, PA	15133	1.5×	$97,500	$65,938	$100	6,112
37	Big Sandy, TX	75755	1.5×	$109,500	$73,402	$148	5,244
38	Larned, KS	67550	1.5×	$97,900	$65,400	$73	5,104
39	Wellsville, NY	14895	1.5×	$95,800	$63,910	$65	9,061
40	Cleveland, OH	44105	1.5×	$61,400	$40,906	$65	32,115
41	Hoopeston, IL	60942	1.5×	$92,000	$61,083	$79	5,657
42	Cotulla, TX	78014	1.5×	$100,000	$66,250	$91	5,002
43	Somerset, TX	78069	1.5×	$114,300	$75,625	$169	7,038
44	Kewanee, IL	61443	1.5×	$79,600	$52,615	$69	13,456
45	Dawson Springs, KY	42408	1.5×	$92,200	$60,900	$114	5,888
46	Sullivan City, TX	78595	1.5×	$89,200	$58,846	$195	6,118
47	Trenton, NJ	08609	1.5×	$103,700	$68,238	$205	15,938
48	Saint Louis, MO	63120	1.5×	$53,500	$35,176	$44	6,790
49	Charleston, WV	25306	1.5×	$109,800	$71,654	—	6,040
50	Toledo, OH	43609	1.5×	$65,500	$42,313	$73	21,404

How we rank

Price-to-income compares the median home value with the median household income in each ZIP code. A ratio of 3 means the typical home costs three years of the typical household’s income; many lenders and economists treat about 3 or less as affordable. A low ratio can mean homes are a bargain for local incomes, but it can also reflect older housing or a slower local economy, so check each town’s market page.

Both figures come from the U.S. Census Bureau’s five-year American Community Survey. We leave out ZIP codes with fewer than 5,000 residents, and those where either figure is capped by the Census.

Questions

What is the most affordable ZIP code in America?

Bronx, NY (10475), where the median home value is 0.5 times the median household income.

What price-to-income ratio is affordable?

Around 3 or below is traditionally considered affordable. Many expensive metro areas run 6 to 10 or more.

More rankings

The highest rents in America The lowest rents in America The ZIP codes with the lowest natural hazard risk in America The ZIP codes with the newest homes in America The best towns for remote workers in America Most walkable ZIP codes in America

Sources: U.S. Census Bureau American Community Survey 5-year estimates; FEMA National Risk Index (not endorsed by FEMA); U.S. EPA National Walkability Index; Redfin (price per square foot); HUD FY2027 Small Area Fair Market Rents. Town names: GeoNames (CC BY 4.0).