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Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many Michigan residents, the dream feels increasingly out of reach—even as and fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers and younger generations .

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, ranked the most affordable cities in Michigan, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this .

#1. Allen Park, Michigan
- Payment to income ratio: 22.0%
- Median sale price: $230,285
- Median household income: $80,045
- Income needed to buy: $58,806
- Median monthly mortgage payment: $1,470
- See homes for sale in Allen Park on

#2. Roseville, Michigan
- Payment to income ratio: 22.7%
- Median sale price: $181,591
- Median household income: $61,222
- Income needed to buy: $46,371
- Median monthly mortgage payment: $1,159
- See homes for sale in Roseville on

#3. Southgate, Michigan
- Payment to income ratio: 24.6%
- Median sale price: $207,373
- Median household income: $64,635
- Income needed to buy: $52,955
- Median monthly mortgage payment: $1,324
- See homes for sale in Southgate on

#4. Holt, Michigan
- Payment to income ratio: 25.4%
- Median sale price: $290,638
- Median household income: $87,827
- Income needed to buy: $74,218
- Median monthly mortgage payment: $1,855
- See homes for sale in Holt on

#5. Garden City, Michigan
- Payment to income ratio: 25.5%
- Median sale price: $214,593
- Median household income: $64,396
- Income needed to buy: $54,799
- Median monthly mortgage payment: $1,370
- See homes for sale in Garden City on

#6. Warren, Michigan
- Payment to income ratio: 25.6%
- Median sale price: $213,135
- Median household income: $63,741
- Income needed to buy: $54,427
- Median monthly mortgage payment: $1,361
- See homes for sale in Warren on

#7. Livonia, Michigan
- Payment to income ratio: 25.8%
- Median sale price: $324,597
- Median household income: $96,317
- Income needed to buy: $82,890
- Median monthly mortgage payment: $2,072
- See homes for sale in Livonia on

#8. St. Clair Shores, Michigan
- Payment to income ratio: 26.0%
- Median sale price: $246,342
- Median household income: $72,693
- Income needed to buy: $62,907
- Median monthly mortgage payment: $1,573
- See homes for sale in St. Clair Shores on

#9. Madison Heights, Michigan
- Payment to income ratio: 26.6%
- Median sale price: $231,365
- Median household income: $66,726
- Income needed to buy: $59,082
- Median monthly mortgage payment: $1,477
- See homes for sale in Madison Heights on

#10. Oak Park, Michigan
- Payment to income ratio: 27.9%
- Median sale price: $239,601
- Median household income: $65,882
- Income needed to buy: $61,185
- Median monthly mortgage payment: $1,530
- See homes for sale in Oak Park on

#11. Westland, Michigan
- Payment to income ratio: 28.7%
- Median sale price: $233,419
- Median household income: $62,216
- Income needed to buy: $59,607
- Median monthly mortgage payment: $1,490
- See homes for sale in Westland on

#12. Wyoming, Michigan
- Payment to income ratio: 29.6%
- Median sale price: $278,687
- Median household income: $72,163
- Income needed to buy: $71,166
- Median monthly mortgage payment: $1,779
- See homes for sale in Wyoming on

#13. Portage, Michigan
- Payment to income ratio: 29.7%
- Median sale price: $308,291
- Median household income: $79,529
- Income needed to buy: $78,726
- Median monthly mortgage payment: $1,968
- See homes for sale in Portage on

#14. Royal Oak, Michigan
- Payment to income ratio: 30.4%
- Median sale price: $377,205
- Median household income: $95,182
- Income needed to buy: $96,324
- Median monthly mortgage payment: $2,408
- See homes for sale in Royal Oak on

#15. Farmington Hills, Michigan
- Payment to income ratio: 30.5%
- Median sale price: $405,805
- Median household income: $101,863
- Income needed to buy: $103,628
- Median monthly mortgage payment: $2,591
- See homes for sale in Farmington Hills on

#16. Okemos, Michigan
- Payment to income ratio: 30.7%
- Median sale price: $390,808
- Median household income: $97,603
- Income needed to buy: $99,798
- Median monthly mortgage payment: $2,495
- See homes for sale in Okemos on

#17. Troy, Michigan
- Payment to income ratio: 30.8%
- Median sale price: $478,995
- Median household income: $119,299
- Income needed to buy: $122,317
- Median monthly mortgage payment: $3,058
- See homes for sale in Troy on

#18. Rochester Hills, Michigan
- Payment to income ratio: 31.9%
- Median sale price: $495,320
- Median household income: $119,054
- Income needed to buy: $126,486
- Median monthly mortgage payment: $3,162
- See homes for sale in Rochester Hills on

#19. Southfield, Michigan
- Payment to income ratio: 32.0%
- Median sale price: $274,726
- Median household income: $65,848
- Income needed to buy: $70,155
- Median monthly mortgage payment: $1,754
- See homes for sale in Southfield on

#20. Sterling Heights, Michigan
- Payment to income ratio: 32.1%
- Median sale price: $329,093
- Median household income: $78,429
- Income needed to buy: $84,038
- Median monthly mortgage payment: $2,101
- See homes for sale in Sterling Heights on