The 25 US Cities Where You Can Still Buy a Nice House for Under $200K

Chuvic - June 19, 2025
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Across the United States, the cost of homeownership has soared, leaving many buyers feeling priced out of the market. In major metro areas, even modest homes can seem out of reach for first-time buyers and families. Yet, there is hope: affordable housing hasn’t disappeared everywhere. In select cities, you can still purchase a quality home for under $200,000—without sacrificing comfort or community. This article spotlights 25 U.S. cities where your budget can stretch further and the American dream is still alive.

1. Toledo, Ohio

1. Toledo, Ohio
The Toledo skyline rises above vibrant Ohio neighborhoods, highlighting a blend of city energy and affordable housing options. | Photo by Iván Rivero on Pexels

Toledo stands out with a median home price well below $200,000, making it a top choice for budget-conscious buyers. Neighborhoods like Old Orchard and Westgate offer charming homes and tree-lined streets at exceptional value. The city boasts a revitalized downtown, abundant parks, and strong job prospects in healthcare and manufacturing. According to recent real estate trends, Toledo’s housing market remains stable, providing both affordability and opportunity for new homeowners.

2. Jackson, Mississippi

2. Jackson, Mississippi
Charming Jackson homes line the tree-shaded Mississippi streets, showcasing the inviting character of southern real estate. | Photo by Pavel Danilyuk on Pexels

Jackson offers an appealing mix of affordable urban and suburban housing. Buyers can find renovated homes in Belhaven and Fondren, two of the city’s most family-friendly neighborhoods. Suburbs like Clinton and Ridgeland provide spacious lots and quiet streets, all while staying comfortably under the $200,000 mark. With steady demand and a wide range of home styles, Jackson’s housing market is a standout for those seeking value and community.

3. Shreveport, Louisiana

3. Shreveport, Louisiana
Charming historic homes line a tree-shaded street in Shreveport, showcasing the timeless beauty of Louisiana real estate. | Photo by Vincent Gerbouin on Pexels

Shreveport captivates homebuyers with its historic architecture and inviting neighborhoods. Affordable listings are plentiful, especially in areas like South Highlands and Broadmoor, where classic homes meet modern updates. Compared to markets in Baton Rouge or New Orleans, Shreveport offers significantly lower prices without sacrificing charm or amenities. The city’s vibrant arts scene and thriving local culture make it a hidden gem for those seeking value in Louisiana’s housing market.

4. Macon, Georgia

4. Macon, Georgia
Charming, affordable family homes line a quiet street in the lush, tree-filled suburbs of Macon, Georgia. | Photo by Burak Argun on Pexels

Macon is known for its low cost of living and vibrant arts scene, making it especially attractive to both families and young professionals. Spacious homes under $200,000 are common, particularly in established neighborhoods like Ingleside and Vineville. With beautifully restored historic houses and friendly communities, Macon offers both comfort and culture. Homebuyers enjoy access to local music venues, museums, and lush parks—all while keeping housing expenses well within budget.

5. Detroit, Michigan

5. Detroit, Michigan
Colorful Michigan homes line a vibrant Detroit neighborhood street, showcasing the charm and character of urban real estate. | Photo by Pok Rie on Pexels

Detroit is experiencing a remarkable comeback, with several neighborhoods undergoing revitalization. Buyers can find move-in ready homes under $200,000 in areas like Bagley and East English Village. The city’s unique blend of historic charm and modern amenities attracts both first-time buyers and investors. Detroit’s real estate market also offers promising long-term equity growth, making it a smart choice for those looking to build wealth while enjoying affordable urban living.

6. Little Rock, Arkansas

6. Little Rock, Arkansas
Charming Little Rock homes line a tree-shaded street, showcasing the vibrant character of Arkansas city neighborhoods. | Photo by Maria Orlova on Pexels

Little Rock provides an appealing balance of city amenities and small-town affordability. Popular districts such as Hillcrest and The Heights attract first-time buyers with charming homes and walkable streets. Residents enjoy easy access to top-rated restaurants, parks, and the scenic Arkansas River Trail. With home prices comfortably below $200,000 in many neighborhoods, Little Rock makes it easy for buyers to enjoy both comfort and convenience without breaking the bank.

7. Wichita, Kansas

7. Wichita, Kansas
A charming row of Wichita houses showcases classic Midwest architecture, highlighting the inviting appeal of Kansas real estate. | Photo by Kyla Rose Rockola on Pexels

Wichita boasts a steady real estate market and is known for its family-friendly neighborhoods like College Hill and Riverside. Property values remain affordable, especially when compared to other Midwest cities such as Kansas City or Omaha. Homebuyers can easily find quality homes under $200,000, enjoying spacious yards and excellent schools. Wichita’s stable economy and welcoming atmosphere make it a smart destination for those seeking long-term value in the heartland.

8. Montgomery, Alabama

8. Montgomery, Alabama
Charming Alabama homes line leafy streets in Montgomery’s southern suburbs, showcasing the warmth of local neighborhood life. | Photo by JAELEN KEMPSON on Pexels

Montgomery offers a unique blend of historic charm and modern living, with stately homes lining the streets of neighborhoods like Cloverdale. Affordable new builds are also available, giving buyers a range of options under $200,000. The city’s low cost of living makes homeownership even more attainable, allowing residents to stretch their budgets while enjoying vibrant local culture and rich history. Montgomery is an excellent choice for value-minded home seekers in the South.

9. Amarillo, Texas

9. Amarillo, Texas
Charming Amarillo houses line a quiet street, showcasing the appeal of affordable Texas real estate. | Photo by Danny Meneses on Pexels

Amarillo shines with a robust real estate market and exceptional value for larger family homes. Spacious properties under $200,000 are common in neighborhoods like Puckett and Sleepy Hollow. The city’s strong sense of community, top-rated schools, and outdoor attractions such as Palo Duro Canyon make it especially appealing to families. Amarillo’s combination of affordability and quality of life ensures buyers can find both comfort and stability in the Texas Panhandle.

10. Springfield, Missouri

10. Springfield, Missouri
Charming Springfield homes line a quiet street, showcasing the inviting spirit of Missouri’s suburban neighborhoods. | Photo by Robert So on Pexels

Springfield offers homebuyers a unique blend of urban and suburban living, with diverse neighborhoods and attractive amenities. Areas like Rountree and Southern Hills are popular for their quality school districts and welcoming communities. The city’s thriving local economy, bolstered by healthcare and education sectors, adds stability and opportunity for residents. With many homes priced below $200,000, Springfield is an ideal destination for those seeking affordability alongside a vibrant, well-rounded lifestyle.

11. Rockford, Illinois

11. Rockford, Illinois
Charming Rockford homes line a quiet street, showcasing the inviting character of Illinois’ Midwest neighborhoods. | Photo by Choco Kitty on Pexels

Rockford stands out for its generous inventory of older homes with character, often available well under $200,000. This makes it an excellent choice for first-time buyers hoping to invest in a starter home or fixer-upper. Compared to the high prices of Chicago’s suburbs, Rockford’s affordability is a breath of fresh air. Residents also benefit from local parks, cultural attractions, and a strong sense of community, all at a fraction of big-city costs.

12. Erie, Pennsylvania

12. Erie, Pennsylvania
Charming Erie homes line the tranquil Pennsylvania shoreline, offering stunning lakefront property views and peaceful living. | Photo by Following NYC on Pexels

Erie is known for its picturesque lakeside communities and remarkably affordable housing market. Buyers will find a variety of homes under $200,000, especially near neighborhoods like Glenwood and Frontier. The city offers abundant recreational opportunities, from boating on Lake Erie to exploring Presque Isle State Park. With a relaxed pace of life and a strong sense of community, Erie appeals to those seeking both value and a vibrant outdoor lifestyle.

13. Peoria, Illinois

13. Peoria, Illinois
Charming rows of affordable homes line a quiet street in Peoria, showcasing the inviting spirit of Illinois suburbs. | Photo by Adrian Newell on Pexels

Peoria offers a pleasing mix of historic charm and modern convenience, with homes ranging from classic bungalows to updated ranches. Many properties under $200,000 boast spacious lots and established landscaping, making them attractive to families and retirees alike. The city’s stable property values and proximity to top amenities—like Riverfront Park and excellent healthcare facilities—enhance its appeal. Peoria gives homebuyers the chance to enjoy comfort, history, and affordability all in one location.

14. Augusta, Georgia

14. Augusta, Georgia
Charming Augusta homes line a peaceful street, showcasing the warmth and appeal of Georgia’s family-friendly neighborhoods. | Photo by Baran Robin on Pexels

Augusta is famous for its golf culture and unmistakable southern charm, drawing homebuyers who appreciate both recreation and hospitality. Neighborhoods like Summerville and West Augusta offer a variety of move-in ready homes under $200,000, perfect for families or retirees. With tree-lined streets, vibrant local dining, and proximity to the world-renowned Masters Tournament, Augusta blends affordable living with a timeless, welcoming atmosphere. The city’s amenities make it a standout in the South.

15. Des Moines, Iowa

15. Des Moines, Iowa
Charming suburban houses line a quiet street in Des Moines, showcasing the warmth and affordability of Iowa living. | Photo by Nanda Mends on Pexels

Des Moines stands out for its strong economy and a wide range of affordable housing options, from charming bungalows to newer developments. Many homes in neighborhoods like Beaverdale and South of Grand are available under $200,000, offering excellent value for buyers. Compared to nearby Midwestern capitals such as Minneapolis or Madison, Des Moines delivers a lower cost of living while maintaining vibrant arts, dining, and job opportunities. It’s a practical and appealing choice for any budget-conscious homebuyer.

16. Lubbock, Texas

16. Lubbock, Texas
Charming suburban homes line a quiet street in Lubbock, showcasing the welcoming spirit of this vibrant Texas university town. | Photo by Altaf Shah on Pexels

Lubbock is a city on the rise, known for its steady growth and consistently low home prices. Buyers can find spacious, modern homes under $200,000 in neighborhoods such as Tech Terrace and Melonie Park. The city’s proximity to Texas Tech University adds vibrancy and makes it a great option for both students and families. With top-rated schools, a lively arts scene, and friendly neighborhoods, Lubbock delivers affordability paired with a strong sense of community.

17. Green Bay, Wisconsin

17. Green Bay, Wisconsin
Charming Green Bay houses line a peaceful street, showcasing the inviting family neighborhoods of Wisconsin real estate. | Photo by Get Lost Mike on Pexels

Green Bay offers homebuyers a winning combination of safe neighborhoods, affordable housing, and a famously welcoming community. Areas like Astor Park and Red Smith are known for their well-kept homes, many priced comfortably under $200,000. With strong local pride, excellent schools, and abundant outdoor activities, Green Bay is an ideal destination for families and retirees alike. Its approachable housing market and sense of belonging make it a standout in Wisconsin.

18. Evansville, Indiana

18. Evansville, Indiana
Charming Evansville homes line a quiet street, showcasing the welcoming spirit and affordability of Indiana neighborhoods. | Photo by Vladimir Srajber on Pexels

Evansville blends historic charm with new developments, offering a diverse range of homes for under $200,000. Neighborhoods like Downtown and Lincolnshire showcase classic architecture, while newer subdivisions provide updated options for modern buyers. Residents enjoy a lively riverfront, family-friendly festivals, and convenient access to shopping and dining. Evansville’s approachable price points and variety of home styles make it a compelling choice for buyers seeking affordability and character in Indiana.

19. Davenport, Iowa

19. Davenport, Iowa
Charming riverfront homes line the banks of Davenport, showcasing the best of Iowa real estate with scenic water views. | Photo by Alexander Isreb on Pexels

Davenport sits along the scenic Mississippi River, boasting a picturesque riverfront setting that adds to its charm. The city’s market is filled with affordable starter homes in neighborhoods like Vander Veer and East Davenport, where buyers can easily stay under the $200,000 mark. Davenport’s vibrant arts scene, with galleries, live music, and festivals, enriches community life and attracts creative-minded residents seeking both value and culture.

20. Fort Wayne, Indiana

20. Fort Wayne, Indiana
Charming Fort Wayne homes line a leafy street, showcasing the welcoming spirit of Indiana’s Midwest neighborhoods. | Photo by Eathan Hood on Pexels

Fort Wayne is gaining attention for its growing neighborhoods and impressive affordability. Homebuyers can find well-kept properties in areas like North Anthony and West Central—often well below $200,000. The city’s revitalization efforts and strong job market add to its appeal, creating excellent investment potential for both residents and investors. Fort Wayne’s blend of low home prices and future growth makes it a smart pick for anyone seeking lasting value in Indiana.

21. Wichita Falls, Texas

21. Wichita Falls, Texas
Charming Wichita Falls homes line a tree-shaded street, showcasing the affordable property options in welcoming Texas neighborhoods. | Photo by Nuray on Pexels

Wichita Falls features a notably affordable housing market, with many comfortable homes priced under $200,000. The presence of Sheppard Air Force Base fosters a vibrant military community, bringing a sense of stability and diversity. Family-friendly amenities abound, from sprawling parks and splash pads to top-rated schools. Wichita Falls’ blend of affordability, strong community ties, and recreational opportunities make it a practical and welcoming choice for families or military personnel alike.

22. Youngstown, Ohio

22. Youngstown, Ohio
Charming Youngstown houses line a revitalized Ohio street, showcasing the promise of urban renewal in local real estate. | Photo by Jakub Zerdzicki on Pexels

Youngstown is undergoing impressive revitalization efforts, breathing new life into historic neighborhoods and downtown areas. The city’s very low median home prices make it one of the most affordable places to buy in the U.S., with options ranging from charming fixer-uppers to move-in ready homes. Youngstown’s investment in local parks, culture, and infrastructure is attracting new residents who value both savings and the excitement of a city on the rise.

23. Fayetteville, North Carolina

23. Fayetteville, North Carolina
Charming Fayetteville homes line a quiet street, showcasing North Carolina real estate ideal for military families. | Photo by Ben Baker on Pexels

Fayetteville is well-known for its military influence thanks to Fort Liberty, which brings both stability and diversity to the area. The city’s affordable housing market features a wide range of options under $200,000, from modern townhomes to classic ranch-style houses. Neighborhoods like Haymount and Westover are especially popular among both military families and civilians. Fayetteville’s combination of value, amenities, and welcoming spirit makes it an attractive destination in North Carolina.

24. Saginaw, Michigan

24. Saginaw, Michigan
Charming Saginaw houses line a quiet street, showcasing the affordable homes found in welcoming Michigan neighborhoods. | Photo by Enrique from Pexels on Pexels

Saginaw offers tremendous value, with homes often priced far below $200,000—an enticing prospect for first-time buyers and investors alike. The city’s local culture shines through its art galleries, festivals, and riverfront attractions. Ongoing community investment in revitalization is giving Saginaw a fresh sense of energy and pride. Buyers can find a variety of housing styles in neighborhoods like Adams Boulevard and Heritage Square, making affordable homeownership accessible in the heart of Michigan.

25. Mobile, Alabama

25. Mobile, Alabama
Charming mobile homes nestled in a vibrant Alabama coastal neighborhood, surrounded by palm trees and sunlit streets. | Photo by David McElwee on Pexels

Mobile combines coastal charm with an abundance of affordable housing options, drawing buyers who crave Southern hospitality and scenic beauty. Many neighborhoods, including Spring Hill and Midtown, offer well-maintained homes under $200,000. The city’s vibrant downtown, access to the Gulf Coast, and rich cultural history make it increasingly popular with both families and retirees. Mobile’s inviting atmosphere and low cost of living ensure that homeownership remains within reach for many.

Conclusion

Conclusion
Beaming homeowners stand in front of their new house, city skyline in the background, ready to start fresh. | Photo by Anastasia Shuraeva on Pexels

As housing prices surge in many areas, these 25 cities prove that affordable homeownership is still within reach across the U.S. Whether you’re looking for vibrant city life, small-town warmth, or scenic beauty, there are thriving markets where quality homes remain budget-friendly. Exploring these less-publicized destinations can open the door to true value and community. Don’t let headlines discourage you—opportunity awaits in places where your dollar still goes the distance.

Disclaimer

Disclaimer
A close-up of real estate documents on a desk, highlighting the fine print of a detailed disclaimer. | Photo by Jakub Zerdzicki on Pexels

Real estate markets fluctuate, and prices can vary by neighborhood and timing. For the most accurate and up-to-date information, always consult a local real estate professional before making any homebuying decisions. Do your research and explore all your options to find the best fit for your needs.

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