By Brad Beckett on June 16, 2026
WalletHub says Homeownership has become more challenging in recent years as both home prices and mortgage rates have risen significantly. They evaluated 300 U.S. cities using 10 factors, including housing costs, maintenance expenses, property taxes, and vacancy rates to come up with their list. Click here to read more.
WalletHub says Homeownership has become more challenging in recent years as both home prices and mortgage rates have risen significantly. According to recent data, the median U.S. home sales price climbed from $313k in early 2019 to $403,200 in Q1 2026. At the same time, the average 30-year fixed mortgage rate increased from a record-low 2.65% in January 2021 to 6.37% in May 2026, raising borrowing costs for buyers. Despite these trends, some markets remain relatively affordable. To identify them, WalletHub evaluated 300 U.S. cities using 10 factors, including housing costs, maintenance expenses, property taxes, and vacancy rates.

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