Tracked cities
582
snapshot universe
Ocity city-database snapshot - 2026-07-14
Housing Affordability Index | 582-City Snapshot
Among the 582 eligible OCity rows, Flint, Michigan has the lowest recorded median home-price-to-household-income ratio at 1.952x. The snapshot also reports one-bedroom rent context; it is a city-row screening comparison, not the NAR mortgage-qualification index or a personal affordability verdict.
Avg city PTI
5.99x
average of city-level ratios
Avg home price
$508,668
across tracked rows
Avg 1BR rent
$1,410/mo
screening input
Price-to-income extremes
PTI divides each city row's home price by its household income. It is a screening metric; it does not measure mortgage qualification, household wealth or a person's lived affordability.
Lowest snapshot PTI
Flint, MI
1.952x
Home $64,700 - Income $33,141 - 1BR rent $854/mo
Highest snapshot PTI
Newport Beach, CA
25.410x
Home $3,975,000 - Income $156,434 - 1BR rent $2,252/mo
Lowest city-level PTI in the snapshot
Population above 50,000; positive home price and income; income above $30,000.
| City | Home price | Income | PTI | 1BR rent |
|---|---|---|---|---|
| Flint, MI | $64,700 | $33,141 | 1.952x | $854 |
| Odessa, TX | $180,000 | $74,562 | 2.414x | $1,127 |
| Davenport, IA | $178,500 | $69,595 | 2.565x | $773 |
| Detroit, MI | $99,500 | $38,080 | 2.613x | $1,019 |
| Enid, OK | $170,000 | $63,472 | 2.678x | $760 |
| Lansing, MI | $155,000 | $55,197 | 2.808x | $887 |
| Plantation, FL | $272,500 | $95,965 | 2.840x | $1,621 |
| Cedar Rapids, IA | $192,250 | $66,720 | 2.881x | $716 |
| Moore, OK | $221,750 | $76,941 | 2.882x | $773 |
| St. Joseph, MO | $170,000 | $57,205 | 2.972x | $734 |
| Akron, OH | $151,000 | $50,025 | 3.018x | $816 |
| Rockford, IL | $180,000 | $59,451 | 3.028x | $785 |
| Springfield, IL | $194,500 | $63,849 | 3.046x | $873 |
| Ankeny, IA | $323,500 | $105,862 | 3.056x | $787 |
| Levittown CDP, PA | $311,000 | $101,619 | 3.060x | $1,190 |
Methodology and limits
Snapshot universe. Ocity city database; population > 50,000, positive median home price and median income, median income > $30,000. The headline PTI is an arithmetic average across city rows, not a national median. State comparisons should be treated as unweighted collections of tracked cities, not state estimates.
Rent screening. Annual one-bedroom rent divided by annual median income is not an observed household rent-burden estimate. Database fields can reflect different source years, so the snapshot is not one synchronized external release.
This report does not establish migration causes, policy effects, salary offsets, mortgage affordability or personal relocation savings.