I’m a Real Estate Expert: Here Are 6 Cities That Will Be the Most Affordable for Middle-Class Homebuyers in 2025


Kruck20 / Getty Images/iStockphoto

Kruck20 / Getty Images/iStockphoto

The busy spring and summer real estate season is drawing to a close, and while some buyers will find good deals off-peak in the fall and winter, many hopeful homeowners are already strategizing for next year and planning for 2025 opportunities today.

But what will the 2025 housing market look like, particularly for middle-class buyers who watched opportunities pass them by because inventory was too low and interest rates were too high in 2024?

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GOBankingRates spoke with Danny Colacicco, founder and CEO of Panda Pro Home Buyers in Baltimore, and Jonathan Carcone, owner of 4 Brothers Buy Houses in nearby Washington, D.C. They outlined what U.S. markets are positioned to give the middle class a break in 2025 with excellent and affordable buying opportunities in attractive places to live.

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Baltimore

Colacicco thinks the biggest city in Maryland will present some golden opportunities in 2025 — and not just because he has a stake in the market.

“Baltimore is a top choice for middle-class homebuyers due to its relatively low median home prices and affordable cost of living,” he said.

The average home there sells for less than $189,000 despite a 5.6% year-over-year price increase that suggests a city on the rise — and living costs are 7.4% below the national average.

“In recent years, the city’s real estate market has been booming, with an increase in job opportunities and overall economic growth,” Colacicco said. “The city has a diverse range of housing options, from historic row houses to modern apartments, making it attractive to different types of buyers. The city also boasts excellent public transportation and easy access to major cities like Washington, D.C., making it a convenient location for commuters.”

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Fort Wayne, Indiana

Colacicco calls Fort Wayne a “hidden gem for middle-class homebuyers.”

“The city has been undergoing significant revitalization in recent years, with the development of new shopping centers and entertainment districts,” he said. “The median home price in Fort Wayne is significantly lower than many other cities, making it an attractive option for those looking to purchase their first home or upgrade to a larger space.”

The average property sells for around $233,000, and living costs are 18% below the national average.

“With a strong job market and a low cost of living, Fort Wayne offers the perfect balance of affordability and quality of life,” Colacicco said.

Wichita, Kansas

Colacicco also thinks the biggest city in Kansas will be another prime choice for middle-class homebuyers in 2025.

“The median home price in Wichita is well below the national average, making it an attractive option for those looking to save money on their home purchase,” he said.

The typical home there sells for less than $200,000, and the cost of living is 17.2% lower than the U.S. average.

“In addition to its affordability, Wichita also has a strong job market and a thriving arts and culture scene,” Colacicco said. “This makes the city a great place to live for families who want access to quality education and entertainment options without breaking the bank.”

Youngstown, Ohio

Carcone has his eye on a city that U.S. News and World Report ranked as one of the best places to live in America in 2023 and the No. 9 best place in the country to retire in 2024.

“Located in northeastern Ohio, Youngstown has consistently ranked as one of the most affordable cities in the United States,” he said. “It is also expected to remain a top choice for middle-class homebuyers in 2025.”

The typical home there sells for a yesteryear price of $59,000, and the cost of living is more than 25% below the national average.

“This makes it an attractive option for first-time home buyers or those looking for more affordable housing options,” Carcone said. “In addition to its affordability, Youngstown has a strong economy with major industries such as steel production, healthcare and education. The cost of living is also lower compared to other major cities, making it a desirable place to settle down and raise a family.”

Huntsville, Alabama

Carcone also suggests middle-class buyers look at Huntsville, where the cost of living is around 6% lower than the national average.

“The median home price in this Southern city is currently around $281,000, which is below the national average,” he said.

Well below, actually — the national average is closer to $361,000.

“One of the main factors contributing to Huntsville’s affordability is its strong job market,” Carcone said. “It has become a hub for technology and aerospace industries, with major companies like NASA, Boeing and Lockheed Martin having a presence in the city. Huntsville also offers a high quality of life with its low crime rates, good schools and plenty of recreational activities. This makes it an ideal place for families or young professionals looking to buy their first home.”

Des Moines, Iowa

Carcone’s final pick is the capital city of Iowa, where the typical home sells for less than $207,000.

“Located in the heartland of America, Des Moines is not only known for its affordability but also its livability,” he said. “Des Moines has a diverse economy with major industries such as insurance, finance and healthcare. It also offers a strong sense of community and a low cost of living, making it an ideal place for middle-class homebuyers.”

The cost of living is 13.4% lower than the national average.

“The city has been recognized for its amenities and quality of life,” Carcone said. “It has a vibrant arts and culture scene, numerous parks and green spaces, and highly rated schools. This makes it a great choice for those looking to settle down in a welcoming and affordable city.”

All home prices are from Zillow, and all cost of living data is from Sperling’s BestPlaces.

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This article originally appeared on GOBankingRates.com: I’m a Real Estate Expert: Here Are 6 Cities That Will Be the Most Affordable for Middle-Class Homebuyers in 2025



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