Â鶹ԭ´´

Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many Ohio 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 Ohio, 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. Huber Heights, Ohio
- Payment to income ratio: 23.3%
- Median sale price: $233,254
- Median household income: $76,551
- Income needed to buy: $59,565
- Median monthly mortgage payment: $1,489
- See homes for sale in Huber Heights on

#2. Cleveland Heights, Ohio
- Payment to income ratio: 23.9%
- Median sale price: $225,485
- Median household income: $72,302
- Income needed to buy: $57,580
- Median monthly mortgage payment: $1,440
- See homes for sale in Cleveland Heights on

#3. Cuyahoga Falls, Ohio
- Payment to income ratio: 23.9%
- Median sale price: $220,517
- Median household income: $70,645
- Income needed to buy: $56,312
- Median monthly mortgage payment: $1,408
- See homes for sale in Cuyahoga Falls on

#4. Beavercreek, Ohio
- Payment to income ratio: 24.3%
- Median sale price: $349,735
- Median household income: $110,064
- Income needed to buy: $89,309
- Median monthly mortgage payment: $2,233
- See homes for sale in Beavercreek on

#5. Stow, Ohio
- Payment to income ratio: 24.8%
- Median sale price: $297,323
- Median household income: $91,933
- Income needed to buy: $75,925
- Median monthly mortgage payment: $1,898
- See homes for sale in Stow on

#6. Massillon, Ohio
- Payment to income ratio: 25.3%
- Median sale price: $182,832
- Median household income: $55,308
- Income needed to buy: $46,689
- Median monthly mortgage payment: $1,167
- See homes for sale in Massillon on

#7. Mentor, Ohio
- Payment to income ratio: 25.5%
- Median sale price: $296,684
- Median household income: $89,202
- Income needed to buy: $75,762
- Median monthly mortgage payment: $1,894
- See homes for sale in Mentor on

#8. Parma, Ohio
- Payment to income ratio: 25.6%
- Median sale price: $225,259
- Median household income: $67,425
- Income needed to buy: $57,523
- Median monthly mortgage payment: $1,438
- See homes for sale in Parma on

#9. North Olmsted, Ohio
- Payment to income ratio: 26.1%
- Median sale price: $290,962
- Median household income: $85,435
- Income needed to buy: $74,301
- Median monthly mortgage payment: $1,858
- See homes for sale in North Olmsted on

#10. Kettering, Ohio
- Payment to income ratio: 26.6%
- Median sale price: $248,767
- Median household income: $71,619
- Income needed to buy: $63,526
- Median monthly mortgage payment: $1,588
- See homes for sale in Kettering on

#11. Brunswick, Ohio
- Payment to income ratio: 28.2%
- Median sale price: $314,185
- Median household income: $85,313
- Income needed to buy: $80,231
- Median monthly mortgage payment: $2,006
- See homes for sale in Brunswick on

#12. Strongsville, Ohio
- Payment to income ratio: 28.5%
- Median sale price: $381,590
- Median household income: $102,574
- Income needed to buy: $97,444
- Median monthly mortgage payment: $2,436
- See homes for sale in Strongsville on

#13. Troy, Ohio
- Payment to income ratio: 28.8%
- Median sale price: $265,113
- Median household income: $70,450
- Income needed to buy: $67,700
- Median monthly mortgage payment: $1,693
- See homes for sale in Troy on

#14. Gahanna, Ohio
- Payment to income ratio: 29.2%
- Median sale price: $404,722
- Median household income: $106,004
- Income needed to buy: $103,351
- Median monthly mortgage payment: $2,584
- See homes for sale in Gahanna on

#15. North Ridgeville, Ohio
- Payment to income ratio: 29.5%
- Median sale price: $362,308
- Median household income: $94,234
- Income needed to buy: $92,520
- Median monthly mortgage payment: $2,313
- See homes for sale in North Ridgeville on

#16. Green, Ohio
- Payment to income ratio: 29.5%
- Median sale price: $357,164
- Median household income: $92,653
- Income needed to buy: $91,206
- Median monthly mortgage payment: $2,280
- See homes for sale in Green on

#17. Hilliard, Ohio
- Payment to income ratio: 30.9%
- Median sale price: $495,849
- Median household income: $122,864
- Income needed to buy: $126,621
- Median monthly mortgage payment: $3,166
- See homes for sale in Hilliard on

#18. Medina, Ohio
- Payment to income ratio: 32.2%
- Median sale price: $320,307
- Median household income: $76,099
- Income needed to buy: $81,794
- Median monthly mortgage payment: $2,045
- See homes for sale in Medina on

#19. Westerville, Ohio
- Payment to income ratio: 32.8%
- Median sale price: $458,009
- Median household income: $107,054
- Income needed to buy: $116,959
- Median monthly mortgage payment: $2,924
- See homes for sale in Westerville on

#20. Lancaster, Ohio
- Payment to income ratio: 33.1%
- Median sale price: $236,867
- Median household income: $54,901
- Income needed to buy: $60,487
- Median monthly mortgage payment: $1,512
- See homes for sale in Lancaster on