Some say that’s the big money question these days. While the economy is strong and wages are rising, these gains are being left in the dust by runaway home prices. Combining this with inching mortgage rates, it's enough to make any average-income worker wonder: Will my paycheck suffice?

realtor.com® measured the data to figure out just how much home typical folks can actually afford to buy—and where they can find a plethora of appealing, comfortably priced accommodations.

"Generally, these aren't found in high-growth areas of the country ... [places] where we haven’t seen commensurate wage and salary growth," says Sean Snaith, an economics professor at the University of Central Florida.&nbsp;

For middle-class affordability, "you need to look toward areas where housing prices have not seen the same appreciation," he says.

Crunching the stats, realtor.com® evaluated the definition of a "middle-income" family from the latest U.S. Census Bureau data: and found a median household gross income of 

They further calculated that homeowners should spend no more than 

 of annual income on housing—which for 

. Other factors including the assumption that homeowners would get a 

 in private mortgage insurance (required on down payments below 

). The final determination, for a household earning of 

 annually could comfortably buy a home priced up to 

Pulling listings from their online search, 10 cities were narrowed in on, to find the greatest share of available housing at or below $257,400 in the nation's 50 largest metropolitan areas (limiting the rankings to two metros per state).*

* A metropolitan statistical area is a designation that includes the urban core of a city and surrounding smaller towns and cities.

Curious about your current home’s value?

We'll send you a free home valuation to help get the selling process started.

<p><span style="font-size: 24px; color: rgb(0, 0, 0);">Some say that’s the big money question these days. While the economy is strong and wages are rising, these gains are being left in the dust by runaway home prices. Combining this with inching mortgage rates, it's enough to make any average-income worker wonder: Will my paycheck suffice?</span></p><p><span style="color: #000000;"><span style="font-size: 24px;">realtor.com® measured the data to figure out just how much home typical folks can actually afford to buy—and where they can find a plethora of appealing, comfortably priced accommodations.</span></span></p><p><span style="color: #000000;"><span style="font-size: 24px;">"Generally, these aren't found in high-growth areas of the country ... [places] where we haven’t seen commensurate wage and salary growth," says Sean Snaith, an economics professor at the University of Central Florida.&nbsp;</span></span></p><p><span style="color: #000000;"><span style="font-size: 24px;">For middle-class affordability, "you need to look toward areas where housing prices have not seen the same appreciation," he says.</span></span></p><p><span style="color: #000000;"><span style="font-size: 24px;">Crunching the stats, realtor.com® evaluated the definition of a "middle-income" family from the latest U.S. Census Bureau data: and found a median household gross income of <strong>$61,372</strong> per year.&nbsp;</span></span></p><p><span style="color: #000000;"><span style="font-size: 24px;">They further calculated that homeowners should spend no more than <strong>28%</strong> of annual income on housing—which for <strong>$60k</strong> amounts to annual housing costs of <strong>$16,800</strong>. Other factors including the assumption that homeowners would get a <strong>30</strong>-year mortgage with a <strong>5%</strong> down payment and a <strong>5%</strong> fixed-interest rate, plus <strong>0.5%</strong> in private mortgage insurance (required on down payments below <strong>20%</strong>). The final determination, for a household earning of <strong>$60,000</strong> annually could comfortably buy a home priced up to <strong>$257,400</strong>, max.</span></span><span style="font-size: 24px; color: rgb(0, 0, 0);">&nbsp;</span></p>

<p style="line-height: 24px;"><span style="font-size: 24px; color: rgb(0, 0, 0);">Pulling listings from their online search, 10 cities were narrowed in on, to find the greatest share of available housing at or below $257,400 in the nation's 50 largest metropolitan areas (limiting the rankings to two metros per state).*</span></p>

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<h2><span style="font-size: 48px;">1. Pittsburgh, PA</span></h2><p style="line-height: 11px;">Median list price: $179,100</p><p style="line-height: 11px;">Share of affordable homes: 64.3%</p>

<h2>2. Rochester, NY</h2><p style="line-height: 11px;">Median list price: $177,500</p><p style="line-height: 11px;">Share of affordable homes: 63.1%</p>

<h2>3. Buffalo, NY</h2><p style="line-height: 11px;">Median list price: $185,100</p><p style="line-height: 11px;">Share of affordable homes: 61.8%</p>

<h2>4. St. Louis, MO</h2><p style="line-height: 11px;">Median list price: $209,500</p><p style="line-height: 11px;">Share of affordable homes: 61.7%</p>

<h2>5. Cleveland, OH</h2><p style="line-height: 11px;">Median list price: $179,500</p><p style="line-height: 11px;">Share of affordable homes: 61.7%</p>

<h2>6. Birmingham, AL</h2><p style="line-height: 11px;">Median list price: $219,200</p><p style="line-height: 11px;">Share of affordable homes: 55.7%</p>

<h2>7. Memphis, TN</h2><p style="line-height: 11px;">Median list price: $214,000</p><p style="line-height: 11px;">Share of affordable homes: 53.5%</p>

<h2>8. Oklahoma City, OK</h2><p style="line-height: 11px;">Median list price: $235,100</p><p style="line-height: 11px;">Share of affordable homes: 53.4%</p>

<h2>9. Cincinnati, OH</h2><p style="line-height: 11px;">Median list price: $240,000</p><p style="line-height: 11px;">Share of affordable homes: 49.2%</p>

<h2>10. Detroit, MI</h2><p style="line-height: 11px;">Median list price: $232,500</p><p style="line-height: 11px;">Share of affordable homes: 47.4%</p>

<h1><span style="color: var(--primaryColor);">Curious about your current home’s value?</span></h1><p>We'll send you a free home valuation to help get the selling process started.</p>

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<p style="line-height: 18px;"><em><span style="font-size: 18px;">* A metropolitan statistical area is a designation that includes the urban core of a city and surrounding smaller towns and cities.</span></em></p>

<h1 style="text-align: center;">5 Steps Smart Sellers Take to Generate Multiple Offers</h1>

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Which of these cities have you visited or lived in!?