With home prices on the rise, it can be difficult to purchase a home on a humble salary. What’s more, in order to qualify to purchase a home, prospective buyers must put down 20 percent of the home’s cost. Luckily, we’ve compiled this comprehensive list of five affordable cities where purchasing a home won’t break the bank, with income estimates to match.

Toledo, Ohio

Toledo, Ohio, is an excellent place to buy a home if you’re working with a modest income of about $26,000. Located near the western tip of Lake Erie, the city is the biggest on our list with a population of 278,508 residents. Because it’s such a big city, Toledo, Ohio, has a lot to offer such as a major zoo and prominent art museum. 

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Florence, South Carolina

If you’re looking to take out a mortgage in a small town, look no further. Florence, South Carolina, is a nice southern town with a charming, slow pace. The best part? You can afford to purchase a home in this quaint town on an income of around $27,500.

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Peoria, Illinois

Peoria, Illinois, is the 7th largest city in the state of Illinois with a population of 103,559. While it’s a mid-sized city, Peoria’s affordability can’t be beat. On an income of $26,000, you can afford to relocate to this midwestern city while being less than a three-hour drive from Chicago.

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South Bend, Indiana

Located near the University of Notre Dame, South Bend, Indiana, is another mid-sized city with affordable mortgage options. Those working with an income of about $26,750 can afford to purchase a home in this city of 101,735 people. Plus, there will be plenty of entertainment and recreation options living so close to a university.

South Bend Tribune / Robert Franklin

Erie, Pennsylvania

Another city located on Lake Erie, Erie, Pennsylvania is a lovely town with a lot to do. The city is home to Presque Isle State Park, a peninsula with beaches and trails that curve around the bay. Even better, this is the most affordable city on our list. Those looking to purchase a home in Erie, Pennsylvania, can do so on an income of $24,500. 

Rob Engelhardt / Erie Times-News