The 20 most affordable cities in Michigan to buy a house

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

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, Redfin Real Estate 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 recent Redfin article.

#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 Redfin.com

#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 Redfin.com

#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 Redfin.com

#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 Redfin.com

#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 Redfin.com

#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 Redfin.com

#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 Redfin.com

#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 Redfin.com

#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 Redfin.com

#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 Redfin.com

#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 Redfin.com

#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 Redfin.com

#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 Redfin.com

#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 Redfin.com

#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 Redfin.com

#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 Redfin.com

#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 Redfin.com

#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 Redfin.com

#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 Redfin.com

#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 Redfin.com