Redfin Releases State Rankings of Most Affordable Homebuying Cities

The snapshot calculates payment-to-income ratios from January through October to show where costs strain budgets.

Overview

Atascocita, Texas leads its state with a 21.5% payment-to-income ratio on a $320,742 median sale price, marking one of the lowest burdens highlighted.
Colorado’s most affordable city is Erie at 35.5%, while Littleton posts a 55.4% ratio, reflecting significant variation within the state.
Elk Grove tops California at 40.9%, and Carmichael registers 50.9%, underscoring how many California buyers face costs well above commonly cited thresholds.
The 30% share of income is referenced as a guideline for affordability, providing a benchmark for comparing the listed cities.
Redfin compiled the rankings using January–October 2025 averages, and Stacker reviewed and distributed the lists to local outlets including KRDO, KVIA, and KESQ.