21 Big Cities in America That Have Lower Cost of Housing

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As the cost of living seems to hit new highs across the United States everyday, finding affordable housing has become a crucial factor for many. Many people are choosing to relocate not only due to remote working opportunities, but also for affordability factors.

Large cities are often perceived as expensive, but there are some across the country that still host some somewhat affordable housing.

These cities still offer a vibrant urban lifestyle rich with culture and action, but do so in a manner that is accessible to middle-america. Here’s out list of U.S. cities where the cost of housing remains within reach for residents, combining affordability with the perks of city life.

Memphis, Tennessee

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Memphis boasts some of the most affordable housing in large U.S. cities, with median home prices significantly below the national average at under $200K. This affordability extends across both the purchase and rental markets, making it an attractive destination for both homeowners and renters. The city’s low cost of living combined with its rich musical heritage offers a unique blend of economic practicality and cultural wealth.

Fort Worth, Texas

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Fort Worth offers housing costs that are remarkably low, given the city’s size and economic vitality. Known for its rich cowboy heritage and thriving arts district, Fort Worth blends traditional culture with modern amenities. The city’s continuous growth in sectors like technology and logistics keeps it an affordable and dynamic place to live.

Sacramento, California

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Sacramento is one of the most affordable cities in California, offering somewhat reasonable housing prices in the state’s capital. The city enjoys a diverse population and a range of outdoor and cultural activities influenced by its proximity to both the Sierra Nevada mountains and the Pacific coast.

Louisville, Kentucky

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Louisville features a housing market where buyers can find significantly lower prices compared to the national average. The city is known for its bourbon and the famous Kentucky Derby, providing a unique cultural setting with affordable living. Its growing economy and vibrant arts scene make it an attractive city for newcomers looking for value.

Wichita, Kansas

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Wichita’s real estate market is remarkably affordable, with costs well below those of similar-sized cities. This affordability is paired with a robust local economy centered around aviation manufacturing. Wichita is also noted for its friendly community and quality of life, making it an ideal place for families and young professionals.

Tulsa, Oklahoma

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In Tulsa, residents enjoy exceptionally low housing costs, which are among the lowest for major cities in the United States. The city combines affordable living with access to good schools and plentiful outdoor activities, enhancing its appeal. Tulsa’s commitment to cultural and park development also adds to its livability.

El Paso, Texas

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El Paso offers a surprisingly low cost of living with housing costs that are much less than what you would find in other large Texas cities. Its position on the border with Mexico influences a vibrant cultural exchange that enhances the local lifestyle. Affordable real estate, combined with a strong job market, makes El Paso a desirable place for new residents.

Omaha, Nebraska

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Omaha presents a compelling case for affordability with its low housing prices that do not compromise on the quality of life. The city is a major hub for several Fortune 500 companies, providing ample employment opportunities.

Albuquerque, New Mexico

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Albuquerque offers lower than average housing costs against a backdrop of stunning natural landscapes. The city is known for its annual Balloon Fiesta and vibrant Southwestern culture, which attracts tourists and new residents alike. Albuquerque’s mild climate and outdoor recreation opportunities make it a great choice for active lifestyles.

Columbus, Ohio

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Columbus boasts a cost of living that is attractive to those looking for urban amenities without the hefty price tag. It’s home to Ohio State University, which infuses the city with youthful energy and innovation.

Detroit, Michigan

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Detroit’s housing market is among the most affordable in the nation, particularly as the city continues to recover and revitalize. The city offers a rich architectural history and a burgeoning arts scene that has begun to attract a new wave of artists and entrepreneurs. Detroit’s comeback story includes growing investment and development, making it a land of opportunity.

Cleveland, Ohio

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Cleveland provides low-cost housing options combined with a strong cultural scene, including renowned orchestras and museums. The city is situated on the shores of Lake Erie, providing scenic views and plenty of recreational activities. Cleveland’s commitment to excellent healthcare also adds to its appeal as a livable city with affordable costs.

Pittsburgh, Pennsylvania

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Pittsburgh features a cost of living that is very manageable, especially when it comes to housing expenses. The city is known for its steel industry history and robust tech scene, making it a place of innovation and growth. Pittsburgh’s diverse neighborhoods and cultural institutions, such as the Carnegie Museums and Pittsburgh Symphony Orchestra, offer rich experiences.

St. Louis, Missouri

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St. Louis offers some of the most affordable living options for a major U.S. city, especially in terms of housing costs. The city is rich in history and culture, with iconic sites like the Gateway Arch and a thriving blues music scene. St. Louis is also known for its parks and recreational areas, adding to its quality of life.

Kansas City, Missouri

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Kansas City’s real estate market remains accessible, even as the city experiences growth in its arts and culinary scenes. Known for its jazz heritage and barbecue, the city offers a unique cultural experience alongside affordability.

San Antonio, Texas

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San Antonio provides affordable housing in a city rich with history, from the Alamo to its vibrant downtown River Walk. This Texan city blends cultural depth with modern amenities, making it an appealing place for families and singles alike. San Antonio’s economy is bolstered by the military, healthcare, and tourism sectors, contributing to its low cost of living.

Phoenix, Arizona

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Phoenix offers a competitive housing market with reasonable costs compared to other major metropolitan areas in the Southwest. The city is known for its year-round sunshine and outdoor activities, which attract a steady flow of new residents. Phoenix’s growing tech industry and business-friendly environment make it an economically sound choice for homebuyers.

Jacksonville, Florida

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Jacksonville’s housing prices are among the lowest for large cities along the East Coast. The city offers a mix of urban and beach lifestyles, with extensive park systems and waterfronts. Jacksonville’s large geographic area disperses the population, helping to keep housing prices affordable.

Indianapolis, Indiana

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Indianapolis features affordable housing and a cost of living that is attractive to individuals and families alike. The city hosts the famous Indianapolis 500 and has a burgeoning arts and culinary scene. Indianapolis’s economy is diverse, with strong sectors in manufacturing, health care, and technology.

Milwaukee, Wisconsin

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Milwaukee’s housing market is more affordable than many other large cities in the Midwest. The city offers a rich blend of cultural heritage, including its famous breweries and vibrant arts scene. Milwaukee’s lakefront location provides beautiful landscapes and ample recreational opportunities.

Charlotte, North Carolina

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Charlotte’s real estate market remains affordable despite the city’s rapid economic growth and development. Known for its banking sector, Charlotte also offers a lively sports and entertainment scene. The city’s focus on expanding public transit and infrastructure continues to make it an attractive place for new residents seeking affordability and opportunity.

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