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Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many Pennsylvania 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 Pennsylvania, 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. West Mifflin, Pennsylvania
- Payment to income ratio: 19.4%
- Median sale price: $177,717
- Median household income: $70,335
- Income needed to buy: $45,382
- Median monthly mortgage payment: $1,135
- See homes for sale in West Mifflin on

#2. Plum, Pennsylvania
- Payment to income ratio: 20.8%
- Median sale price: $267,007
- Median household income: $98,475
- Income needed to buy: $68,184
- Median monthly mortgage payment: $1,705
- See homes for sale in Plum on

#3. Lower Burrell, Pennsylvania
- Payment to income ratio: 21.4%
- Median sale price: $228,402
- Median household income: $81,860
- Income needed to buy: $58,325
- Median monthly mortgage payment: $1,458
- See homes for sale in Lower Burrell on

#4. Baldwin, Pennsylvania
- Payment to income ratio: 22.3%
- Median sale price: $226,712
- Median household income: $77,882
- Income needed to buy: $57,894
- Median monthly mortgage payment: $1,447
- See homes for sale in Baldwin on

#5. Whitehall, Pennsylvania
- Payment to income ratio: 22.8%
- Median sale price: $253,070
- Median household income: $85,000
- Income needed to buy: $64,625
- Median monthly mortgage payment: $1,616
- See homes for sale in Whitehall on

#6. Dunmore, Pennsylvania
- Payment to income ratio: 23.0%
- Median sale price: $226,607
- Median household income: $75,632
- Income needed to buy: $57,867
- Median monthly mortgage payment: $1,447
- See homes for sale in Dunmore on

#7. Bethel Park, Pennsylvania
- Payment to income ratio: 23.3%
- Median sale price: $316,071
- Median household income: $104,129
- Income needed to buy: $80,713
- Median monthly mortgage payment: $2,018
- See homes for sale in Bethel Park on

#8. Monroeville, Pennsylvania
- Payment to income ratio: 23.5%
- Median sale price: $240,344
- Median household income: $78,191
- Income needed to buy: $61,375
- Median monthly mortgage payment: $1,534
- See homes for sale in Monroeville on

#9. Jefferson Hills, Pennsylvania
- Payment to income ratio: 24.1%
- Median sale price: $370,085
- Median household income: $117,518
- Income needed to buy: $94,506
- Median monthly mortgage payment: $2,363
- See homes for sale in Jefferson Hills on

#10. Munhall, Pennsylvania
- Payment to income ratio: 25.0%
- Median sale price: $170,055
- Median household income: $52,037
- Income needed to buy: $43,426
- Median monthly mortgage payment: $1,086
- See homes for sale in Munhall on

#11. Franklin Park, Pennsylvania
- Payment to income ratio: 25.4%
- Median sale price: $571,286
- Median household income: $172,200
- Income needed to buy: $145,885
- Median monthly mortgage payment: $3,647
- See homes for sale in Franklin Park on

#12. Murrysville, Pennsylvania
- Payment to income ratio: 25.7%
- Median sale price: $405,429
- Median household income: $120,685
- Income needed to buy: $103,531
- Median monthly mortgage payment: $2,588
- See homes for sale in Murrysville on

#13. Carnot-Moon, Pennsylvania
- Payment to income ratio: 25.7%
- Median sale price: $321,868
- Median household income: $95,777
- Income needed to buy: $82,193
- Median monthly mortgage payment: $2,055
- See homes for sale in Carnot-Moon on

#14. Greensburg, Pennsylvania
- Payment to income ratio: 25.9%
- Median sale price: $212,547
- Median household income: $62,977
- Income needed to buy: $54,277
- Median monthly mortgage payment: $1,357
- See homes for sale in Greensburg on

#15. Mountain Top, Pennsylvania
- Payment to income ratio: 25.9%
- Median sale price: $356,362
- Median household income: $105,286
- Income needed to buy: $91,002
- Median monthly mortgage payment: $2,275
- See homes for sale in Mountain Top on

#16. Progress, Pennsylvania
- Payment to income ratio: 26.9%
- Median sale price: $265,031
- Median household income: $75,362
- Income needed to buy: $67,679
- Median monthly mortgage payment: $1,692
- See homes for sale in Progress on

#17. Allison Park, Pennsylvania
- Payment to income ratio: 28.5%
- Median sale price: $403,748
- Median household income: $108,669
- Income needed to buy: $103,102
- Median monthly mortgage payment: $2,578
- See homes for sale in Allison Park on

#18. Shiloh, Pennsylvania
- Payment to income ratio: 29.4%
- Median sale price: $315,985
- Median household income: $82,205
- Income needed to buy: $80,691
- Median monthly mortgage payment: $2,017
- See homes for sale in Shiloh on

#19. Levittown, Pennsylvania
- Payment to income ratio: 30.3%
- Median sale price: $401,257
- Median household income: $101,619
- Income needed to buy: $102,466
- Median monthly mortgage payment: $2,562
- See homes for sale in Levittown on

#20. Weigelstown, Pennsylvania
- Payment to income ratio: 31.0%
- Median sale price: $284,638
- Median household income: $70,333
- Income needed to buy: $72,686
- Median monthly mortgage payment: $1,817
- See homes for sale in Weigelstown on