10 Most Affordable US Cities to Live in 2025-2026

Most Affordable US Cities: If you’re asking yourself, “What is the cheapest city to live in the USA?” or “Where is an affordable place to live in the USA?”, you’re not alone. With rising housing costs in many parts of the country, finding a place to call home that fits your budget can feel like a daunting task. However, the good news is that there are still plenty of hidden gems across the United States where affordability meets quality of life. As we look ahead to 2025-2026, several cities stand out as the most affordable places to live, offering a combination of low living costs, thriving job markets, and vibrant communities.

In this article, we’ll dive deeper into the top 10 cheapest cities to live in the USA, exploring what makes each one unique and why they’re worth considering for your next move. Whether you’re relocating for work, retirement, or simply seeking a fresh start, these cities provide an excellent balance of affordability and opportunity.

Why Consider Affordable Living?

In recent years, the cost of living in the United States has skyrocketed, particularly in major metropolitan areas. Cities like New York, San Francisco, and Los Angeles have become synonymous with high housing prices, making it difficult for many people to achieve homeownership or even afford rent. However, this trend has also led to a growing interest in smaller, more affordable cities that offer a high quality of life without the financial strain.

Affordable living isn’t just about saving money—it’s about improving your overall well-being. When you’re not burdened by high housing costs, you have more financial freedom to enjoy life, invest in your future, and explore new opportunities. The cities on this list not only offer low living expenses but also provide access to amenities, cultural experiences, and economic opportunities that make them stand out.

What Makes These Cities Affordable?

The cities featured in this article share several key characteristics that contribute to their affordability:

1. Low Housing Costs: The median home prices in these cities are significantly below the national average, making homeownership more accessible.

2. Below-Average Cost of Living: From groceries to utilities, these cities offer lower everyday expenses compared to larger metropolitan areas.

3. Strong Local Economies: Many of these cities have thriving job markets in industries like healthcare, education, technology, and manufacturing.

4. Quality of Life: Affordable living doesn’t mean sacrificing access to parks, cultural attractions, or family-friendly environments.

Now, let’s take a closer look at the top 10 most affordable US cities to live in 2025-2026.

1. Oklahoma City, Oklahoma

Oklahoma City consistently ranks as one of the most affordable places in the US. The average home price hovers around $200,000, making it a great choice for first-time buyers. Oklahoma City also boasts a booming energy sector, a growing tech scene, and numerous parks and recreational areas. For families, excellent schools and a low crime rate add to its appeal.

Median Home Price: $200,000
Cost of Living: 14% below the national average
Highlight: Scissortail Park, a 70-acre urban oasis

2. Wichita, Kansas

Known as the “Air Capital of the World,” Wichita is a hub for the aviation industry. The city’s low cost of living extends beyond housing to include groceries, utilities, and healthcare. Wichita’s tight-knit community and thriving cultural scene make it a hidden gem for those looking for affordable living with plenty of things to do.

Median Home Price: $185,000
Cost of Living: 16% below the national average
Highlight: Sedgwick County Zoo, one of the largest zoos in the country

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3. Springfield, Missouri

Springfield combines small-town charm with big-city amenities. It’s home to a growing healthcare industry and a diverse job market. Affordable housing—with homes averaging under $200,000—makes it an attractive destination for young families and retirees alike.

Median Home Price: $198,000
Cost of Living: 15% below the national average
Highlight: Close proximity to the Ozarks for outdoor enthusiasts

4. Lafayette, Louisiana

Lafayette brings a unique cultural flavor to affordable living. Known for its Cajun and Creole heritage, this vibrant city offers a mix of affordable housing and a lively arts scene. The average home price sits comfortably below $250,000, while its growing healthcare and education sectors provide ample employment opportunities.

Median Home Price: $240,000
Cost of Living: 10% below the national average
Highlight: Delicious food and vibrant festivals, like Festival International

5. Rockford, Illinois

Often overlooked, Rockford is a hidden gem in the Midwest. The city’s affordable housing market and relatively low property taxes make it a practical choice for families. With a rich history, plenty of museums, and outdoor activities, Rockford offers a balance of affordability and quality of life.

Median Home Price: $210,000
Cost of Living: 12% below the national average
Highlight: Anderson Japanese Gardens, a tranquil retreat

6. Omaha, Nebraska

Omaha is more than just a city in the middle of the country; it’s an economic powerhouse with opportunities in finance, agriculture, and technology. Despite its growing job market, Omaha remains one of the cheapest places to live in the US, with an average home price of $260,000.

Median Home Price: $260,000
Cost of Living: 9% below the national average
Highlight: Henry Doorly Zoo and Aquarium, a world-class attraction

7. Brownsville, Texas

Brownsville offers one of the lowest costs of living in the country, with living expenses 25% below the national average. This Texan city is known for its warm climate and proximity to the Gulf of Mexico. Whether you’re a retiree or a remote worker, Brownsville is an affordable paradise.

Median Home Price: $180,000
Cost of Living: 25% below the national average
Highlight: Stunning beaches and nature reserves

8. Toledo, Ohio

Toledo’s industrial roots have given way to a diverse economy and affordable housing market. With an average home price around $175,000, the Glass City is perfect for anyone looking to stretch their dollar. Its vibrant arts scene and numerous parks make it a great place to live and play.

Median Home Price: $175,000
Cost of Living: 18% below the national average
Highlight: Toledo Museum of Art, a cultural landmark

9. South Bend, Indiana

South Bend offers a mix of affordable housing and a rich history. Known as the home of the University of Notre Dame, the city provides excellent education and healthcare resources. The housing market is affordable, with median prices below $200,000.

Median Home Price: $190,000
Cost of Living: 15% below the national average
Highlight: Notre Dame’s iconic campus and sporting events

10. Fort Wayne, Indiana

Rounding out our list is Fort Wayne, a city that offers a peaceful environment and friendly community. With homes averaging just $232,000, it’s an excellent option for retirees and families. The city’s robust job market in education and healthcare makes it a practical choice for professionals.

Median Home Price: $232,000
Cost of Living: 13% below the national average
Highlight: Riverfront Fort Wayne, a hub for recreation and events

Affordable Living in 2025-2026

Choosing one of the cheapest places to live in the USA doesn’t mean sacrificing quality of life. The cities on this list prove that affordability and opportunity can go hand in hand. Whether you’re seeking a vibrant cultural scene, a peaceful retirement haven, or a thriving job market, there’s a destination here that fits your needs.

When planning your move, consider factors like job availability, school quality, and access to amenities. Each of these cities offers something unique, making it easier than ever to find an affordable place to call home in 2025-2026. So, if you’re still wondering, “What is the cheapest city to live in the USA?” or “Where is an affordable place to live in the USA?”, this guide has you covered. Happy moving!

FAQ:

Why is Oklahoma City so cheap?

Is Rockford Illinois a good city to live in?

Yes, Often overlooked, Rockford is a hidden gem in the Midwest. The city’s affordable housing market and relatively low property taxes make it a practical choice for families. With a rich history, plenty of museums, and outdoor activities, Rockford offers a balance of affordability and quality of life.

Is Brownsville a cheap place to live?

Yes, Brownsville offers one of the lowest costs of living in the country, with living expenses 25% below the national average. This Texan city is known for its warm climate and proximity to the Gulf of Mexico. Whether you’re a retiree or a remote worker, Brownsville is an affordable paradise.