Affordability ranking · September 2026 data
Home price-to-income ratio by market
The median listing in Nantucket, MA costs 49.0 times the local median household income, the highest price-to-income ratio among 782 U.S. markets WealthyBud tracks (September 2026). The typical market sits at 5.2×, and Canton, IL is the lowest at 1.7×.
Where are homes least affordable relative to income?
The median listing in Nantucket, MA costs 49.0 times the local median household income, the highest price-to-income ratio among 782 U.S. markets WealthyBud tracks (September 2026). The typical market sits at 5.2×, and Canton, IL is the lowest at 1.7×.
Price-to-income divides the median listing price by the median household income. It is the simplest cross-market affordability measure because it ignores interest rates. The 10 most affordable markets by this ratio:
- Canton, IL: 1.7×
- Johnstown, PA: 2.1×
- Macomb, IL: 2.3×
- Danville, IL: 2.3×
- Pottsville, PA: 2.4×
- Decatur, IL: 2.4×
- Burlington, IA: 2.4×
- Pampa, TX: 2.5×
- Peoria, IL: 2.5×
- Arkansas City, KS: 2.6×
For a rate-aware view, see the income needed to buy ranking.
1
Nantucket, MA
$5.87M median list · +6.6% YoY
49.0×
Price-to-income
$119,750
Median HH income
$5.87M
Median list price
2
Aguadilla, PR
$530,500 median list · +11.7% YoY
25.5×
Price-to-income
$20,800
Median HH income
$530,500
Median list price
3
Vineyard Haven, MA
$2.5M median list · +1.4% YoY
24.4×
Price-to-income
$102,348
Median HH income
$2.5M
Median list price
4
San Juan, PR
$622,250 median list · -2.9% YoY
22.2×
Price-to-income
$27,966
Median HH income
$622,250
Median list price
5
Jackson, WY
$2.15M median list · +10.4% YoY
20.1×
Price-to-income
$106,679
Median HH income
$2.15M
Median list price
6
Santa Barbara, CA
$1.72M median list · -8.9% YoY
17.9×
Price-to-income
$95,977
Median HH income
$1.72M
Median list price
7
Rifle, CO
$1.51M median list · -5.8% YoY
16.7×
Price-to-income
$90,267
Median HH income
$1.51M
Median list price
8
Kapaa, HI
$1.51M median list · +8.1% YoY
16.1×
Price-to-income
$93,612
Median HH income
$1.51M
Median list price
9
Hailey, ID
$1.25M median list · -26.6% YoY
15.4×
Price-to-income
$81,389
Median HH income
$1.25M
Median list price
10
Mayaguez, PR
$300,000 median list · -20.0% YoY
14.7×
Price-to-income
$20,400
Median HH income
$300,000
Median list price
11
Key West, FL
$1.2M median list · -4.1% YoY
14.6×
Price-to-income
$82,430
Median HH income
$1.2M
Median list price
12
Salinas, CA
$1.29M median list · +0.7% YoY
13.7×
Price-to-income
$94,486
Median HH income
$1.29M
Median list price
13
Sandpoint, ID
$827,800 median list · +1.1% YoY
12.7×
Price-to-income
$65,168
Median HH income
$827,800
Median list price
14
Heber, UT
$1.59M median list · +11.0% YoY
12.7×
Price-to-income
$125,583
Median HH income
$1.59M
Median list price
15
Boone, NC
$650,000 median list · -2.9% YoY
12.7×
Price-to-income
$51,367
Median HH income
$650,000
Median list price
16
Kalispell, MT
$897,000 median list · -5.3% YoY
12.6×
Price-to-income
$71,327
Median HH income
$897,000
Median list price
17
Napa, CA
$1.27M median list · -10.1% YoY
11.7×
Price-to-income
$108,970
Median HH income
$1.27M
Median list price
18
Spearfish, SD
$776,225 median list · +7.1% YoY
11.6×
Price-to-income
$66,766
Median HH income
$776,225
Median list price
19
Santa Cruz, CA
$1.25M median list · +0.1% YoY
11.4×
Price-to-income
$109,266
Median HH income
$1.25M
Median list price
20
Ellensburg, WA
$799,495 median list · +2.8% YoY
11.4×
Price-to-income
$69,928
Median HH income
$799,495
Median list price
21
Edwards, CO
$1.15M median list · +22.7% YoY
11.1×
Price-to-income
$103,174
Median HH income
$1.15M
Median list price
22
Los Angeles, CA
$1.03M median list · -5.9% YoY
11.1×
Price-to-income
$93,525
Median HH income
$1.03M
Median list price
23
San Luis Obispo, CA
$1.03M median list · -7.3% YoY
11.0×
Price-to-income
$93,398
Median HH income
$1.03M
Median list price
24
Fredericksburg, TX
$745,250 median list · -6.3% YoY
11.0×
Price-to-income
$67,799
Median HH income
$745,250
Median list price
25
Bozeman, MT
$954,500 median list · +6.4% YoY
10.9×
Price-to-income
$87,454
Median HH income
$954,500
Median list price
26
Flagstaff, AZ
$741,000 median list · +4.4% YoY
10.6×
Price-to-income
$69,748
Median HH income
$741,000
Median list price
27
Kahului, HI
$995,000 median list · -13.5% YoY
10.5×
Price-to-income
$95,049
Median HH income
$995,000
Median list price
28
Rexburg, ID
$634,900 median list · +5.9% YoY
10.5×
Price-to-income
$60,690
Median HH income
$634,900
Median list price
29
Santa Fe, NM
$776,500 median list · -5.4% YoY
10.4×
Price-to-income
$74,689
Median HH income
$776,500
Median list price
30
Missoula, MT
$735,000 median list · +13.1% YoY
10.4×
Price-to-income
$70,888
Median HH income
$735,000
Median list price
31
Taos, NM
$593,500 median list · -0.9% YoY
10.1×
Price-to-income
$58,908
Median HH income
$593,500
Median list price
32
Brookings, OR
$649,000 median list · +3.7% YoY
10.0×
Price-to-income
$64,769
Median HH income
$649,000
Median list price
33
Gardnerville Ranchos, NV
$888,450 median list · -6.3% YoY
10.0×
Price-to-income
$88,659
Median HH income
$888,450
Median list price
34
Brevard, NC
$637,000 median list · +2.3% YoY
9.9×
Price-to-income
$64,523
Median HH income
$637,000
Median list price
35
Coeur d'Alene, ID
$759,000 median list · -2.7% YoY
9.8×
Price-to-income
$77,034
Median HH income
$759,000
Median list price
36
Port Townsend, WA
$699,950 median list · +0.1% YoY
9.8×
Price-to-income
$71,143
Median HH income
$699,950
Median list price
37
Newport, OR
$599,000 median list · 0.0% YoY
9.8×
Price-to-income
$61,314
Median HH income
$599,000
Median list price
38
Durango, CO
$812,500 median list · -9.6% YoY
9.5×
Price-to-income
$85,296
Median HH income
$812,500
Median list price
39
Barnstable Town, MA
$899,000 median list · -2.5% YoY
9.5×
Price-to-income
$94,452
Median HH income
$899,000
Median list price
40
Prescott Valley, AZ
$625,000 median list · -3.9% YoY
9.4×
Price-to-income
$66,106
Median HH income
$625,000
Median list price
41
Steamboat Springs, CO
$883,625 median list · -4.2% YoY
9.4×
Price-to-income
$93,984
Median HH income
$883,625
Median list price
42
Cody, WY
$660,975 median list · +16.4% YoY
9.4×
Price-to-income
$70,533
Median HH income
$660,975
Median list price
43
Montrose, CO
$612,500 median list · +1.5% YoY
9.3×
Price-to-income
$66,072
Median HH income
$612,500
Median list price
44
Ukiah, CA
$599,000 median list · -4.2% YoY
9.3×
Price-to-income
$64,688
Median HH income
$599,000
Median list price
45
Sevierville, TN
$589,500 median list · -8.0% YoY
9.2×
Price-to-income
$63,829
Median HH income
$589,500
Median list price
46
Alexander City, AL
$526,000 median list · -6.7% YoY
9.2×
Price-to-income
$57,185
Median HH income
$526,000
Median list price
47
Ruidoso, NM
$474,750 median list · -5.0% YoY
9.2×
Price-to-income
$51,643
Median HH income
$474,750
Median list price
48
Show Low, AZ
$482,425 median list · -7.2% YoY
9.2×
Price-to-income
$52,752
Median HH income
$482,425
Median list price
49
Petoskey, MI
$671,975 median list · -9.1% YoY
9.1×
Price-to-income
$73,724
Median HH income
$671,975
Median list price
50
Grants Pass, OR
$533,200 median list · +6.7% YoY
9.0×
Price-to-income
$59,097
Median HH income
$533,200
Median list price
How is the price-to-income ratio calculated?
Ratio = September 2026 median listing price ÷ median household income from the Census Bureau's American Community Survey 5-year estimates for the same market. Universe: 782 markets with income data and at least 100 active listings.
Frequently asked questions
What is a good price-to-income ratio?
There is no official threshold. Across the 782 markets here the median ratio is 5.2; markets well above that need far more income or savings to buy.
Which market ranks #1 on WealthyBud's home price-to-income ratio by market list?
Nantucket, MA ranks first on this list, based on September 2026 data. The median listing in Nantucket, MA costs 49.0 times the local median household income, the highest price-to-income ratio among 782 U.S. markets WealthyBud tracks (September 2026).
How is this ranking calculated?
How is the price-to-income ratio calculated?Ratio = September 2026 median listing price / median household income from the Census Bureau's American Community Survey 5-year estimates for the same market. Universe: 782 markets with income data and at least 100 active listings.
Is this list investment advice?
No. It is a data-derived screen computed from the public sources cited on this page, using the formula shown above. It does not account for a specific property's condition, taxes, insurance, financing or your goals, so verify any market independently and run real numbers before you buy.
Based on public records and industry data, as of September 2026; refreshed as sources update. Full formulas and source limits: full methodology. Rankings and scores are data-derived opinions for research, not investment advice — verify current conditions with a local agent, lender or MLS before acting.