20 Cities Projected to Become More Affordable by 2026

Zillow analysis finds improved affordability across the US, especially in Midwest markets

Published on Feb. 16, 2026

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According to a Zillow analysis, 20 of the largest US metros are expected to become more affordable for homebuyers by the end of 2026. The company defined "affordable" as mortgage payments not exceeding 30% of the median household income. While affordability is improving across the country, some expensive markets like Seattle may still be out of reach for many buyers.

Why it matters

Improving affordability could open up homeownership opportunities for more Americans, especially in regions that have seen rapid price growth in recent years. However, the analysis suggests that certain high-cost markets may continue to be challenging for buyers despite the nationwide trend.

The details

Zillow senior economist Kara Ng told Business Insider that the Midwest has reclaimed its spot as the most affordable region, taking up nearly half of the list of 20 affordable metros. Meanwhile, the Sun Belt, once the hottest market, is seeing a slight exodus as prices have shot up during the pandemic. While home prices are essentially staying flat nationwide, decreasing mortgage rates and steadily increasing incomes will give buyers in 2026 around $30,000 more in purchasing power compared to 2025.

  • Zillow analyzed 50 of the largest US metros and found that 20 of them will become affordable by the end of 2026.

The players

Kara Ng

Zillow senior economist who provided analysis on the affordability trends.

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What they’re saying

“The typical household buying a typical home in Seattle is going to spend 47% of their income on monthly payments. We expect them to spend from 47% down to 45% over the next year. So that's an improvement in affordability, but it's a very different starting place.”

— Kara Ng, Zillow senior economist (Business Insider)

The takeaway

While affordability is improving across the US, certain high-cost markets like Seattle may still be out of reach for many buyers despite the nationwide trend. The Midwest has emerged as the most affordable region, with nearly half of the 20 metros projected to reach the affordability threshold by 2026.