When you think about affordable cities in the U.S., you probably envision quiet, uneventful towns where low rent is the main appeal. But that is not the case; there’s a lot more to it. Affordability is about more than just cheap rent; it also depends on whether a city offers livable wages, job opportunities, cultural attractions, and a high quality of life.
This list flips the script on what it means to be an affordable American city. These nine cities break the mold of what is typically considered “affordable.” From revitalized industrial hubs to hidden gems near the coast, each city on this list offers its own unique blend of low cost of living, community charm, and growing economic prospects. Whether you’re a remote worker, a young family, or a retiree looking to stretch your budget, these are nine of the most affordable American cities to call home.
1. Brownsville, Texas
Brownsville, Texas, proves that affordable cities can be fun and exciting. It is located on the Gulf Coast of Texas and is the most affordable city in America for 2025. With Gulf Coast beaches nearby, a vibrant bicultural community, and a cost of living about 15% lower than the national average, Brownsville is definitely a great place to call home.
Residents benefit from low housing costs and nearby natural attractions like the Sabal Palm Sanctuary. Even with its low cost of living, the city is currently investing in better infrastructure and education, which makes Brownsville the perfect city for families with children or remote workers looking for warmer weather. If you’re looking to move to a new city, you should definitely consider Brownsville.
2. Decatur, Illinois
Decatur, Illinois, has bounced back after years of struggling with industrial decline. This city is currently thriving with a cost of living 21% below the national average. Housing costs are also notably lower, with prices more than 72% less than the national average.
This city was once in a tough spot, but rather than staying stuck, it has used its affordability to draw in students, entrepreneurs, and remote workers looking for a fresh start. Decatur’s strong agricultural industry and its proximity to major Midwest markets help keep its economy stable. Decatur has shown that old industrial cities can still bounce back and recover.
3. Pittsburgh, Pennsylvania
Pittsburgh challenges the expectation that a city that innovates has to be expensive. This city was once dominated by steel mills, but has since successfully transformed from its industrial past to become a leading tech and healthcare hub, with 68% of homes affordable on the area’s median income. The cost of living in Pittsburgh is about 2% below the national average.
Its transformation proves that a city can still stay affordable while attracting high-paying jobs and young talent. Pittsburgh’s successful arts scene and revitalized neighborhoods like Lawrenceville make it an appealing place for creatives and professionals to live and work.
4. Fort Wayne, Indiana
Fort Wayne is known for its small-town charm and big-city amenities, making it one of the Midwest’s most affordable and family-friendly cities. With a fresh, new downtown, great schools, and plenty of parks and green spaces, Fort Wayne is the perfect city for people seeking affordability without sacrificing their quality of life.
This city draws in remote workers and young families from all across America thanks to its affordable housing costs and blossoming job market. This city proves that affordability does not come at the expense of opportunity.
5. Austin, Texas
Despite often being associated with rising home prices, Austin, Texas, is one of the most affordable cities in America when factoring in its high median household income of $91,501. Austin has one of the country’s best income-to-expense ratios, allowing residents to thrive in its vibrant cultural scene and strong job market without breaking the bank.
Even with its fast growth, Austin’s cost of living remains competitive, especially for tech workers and creatives. It shows that a booming city doesn’t have to be off-limits for people watching their budget.
6. Sioux Falls, South Dakota
Sioux Falls, South Dakota, often ranks as one of the most affordable cities in America. But what sets it apart from the other cities on this list is its ambition. With a median rent of only about 15% of the average income, residents have plenty of financial freedom.
This wonderful city is currently investing in arts, recreation, and infrastructure, attracting families and young professionals from across the U.S. Its strong healthcare sector and low unemployment rate provide stability for people looking for long-term security.
7. McAllen, Texas
McAllen, Texas, proves that a low cost of living can coexist with unique amenities. This city’s housing costs are nearly 40% cheaper than the national average, making it an affordable option that still offers unique attractions, like its birdwatching and Latin American art scene.
It is important to note that McAllen still faces certain challenges, like a higher poverty rate, but it also benefits from recent property tax relief measures and a growing cultural sector. McAllen is a wonderful choice for anyone seeking a distinctive lifestyle at a fraction of the price.
8. St. Louis, Missouri
St. Louis, Missouri, offers big-city perks, like major metropolis sports, arts, and vibrant neighborhoods, at a surprisingly low cost. In this city, the cost of living is about 22% below the national average, and about 60% of homes are affordable on the area’s median income. It is a rare example of a large city where affordability and urban excitement can coexist.
St. Louis has a friendly Midwest vibe and strong healthcare and education sectors, making it a great option for people who want big-city life without the financial strain.
9. Wichita Falls, Texas
Wichita Falls, Texas, is usually overlooked, but this city is one of America’s most affordable cities, ranking just behind the first city on our list, Brownsville. This city combines low housing costs, a strong sense of community, and plenty of outdoor entertainment, making it a great choice for families and retirees.
Its affordability has helped it stay resilient through economic ups and downs, while attracting new residents looking for stable places to live. Wichita Falls proves that underrated cities can offer value and quality of life.
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