A quantitative assessment by WalletHub has identified the most affordable cities for home acquisition in the U.S., with Flint and Detroit, Michigan, and Surprise, Arizona, occupying the primary positions.

WalletHub 的一項定量評估確定了美國購屋最實惠的城市，其中密西根州的弗林特與底特律，以及亞利桑那州的沙普萊斯位居前列。

The determination of affordability was predicated upon a weighted average of ten distinct metrics across 300 cities, utilizing data from the U.S. Census Bureau and other institutional sources. Primary variables included the ratio of median home prices to household income and the cost per square foot. Flint, Michigan, achieved the highest ranking, characterized by a median home price of approximately $66,000 and a low cost-of-living index. The report posits that Flint's high rent-to-price ratio indicates a financial preference for ownership over leasing. Furthermore, a vacancy rate of nearly 20% is noted, which the analyst suggests facilitates a buyer's market, though this may be partially attributed to the city's historical water quality crisis; it is noted that EPA compliance has been maintained for six years.

負擔能力的判定是基於 300 個城市中十項不同指標的加權平均值，利用了美國普查局及其他機構的數據。主要變數包括房屋中位價格與家庭收入的比率以及每平方英尺的成本。密西根州的弗林特排名最高，特點是房屋中位價格約為 66,000 美元，且生活成本指數較低。報告認為，弗林特較高的租金價格比顯示在財務上購屋優於租賃。此外，報告指出空置率接近 20%，分析師認為這有利於形成買方市場，儘管這可能部分歸因於該市歷史上的水質危機；但值得注意的是，該市已連續六年符合 EPA 標準。

Detroit, Michigan, secured the second position, with a median home price of $76,500 and a median price per square foot of approximately $89. The analysis attributes Detroit's housing availability to previous out-migration during financial crises, resulting in a vacancy rate exceeding 22%. Surprise, Arizona, ranked third, supported by the eighth-lowest median real estate tax rate and significant home price appreciation.

密西根州的底特律位居第二，房屋中位價格為 76,500 美元，每平方英尺中位價格約為 89 美元。分析將底特律的住房可用性歸因於先前金融危機期間的人口外流，導致空置率超過 22%。亞利桑那州的沙普萊斯排名第三，得益於其房產稅率中位數為全美第八低，以及顯著的房價增值。

Conversely, the broader national landscape exhibits a widening 'affordability gap.' Data from the Federal Reserve Bank of Atlanta indicates that the annual income required to secure a median-priced home rose from $63,000 in January 2020 to approximately $120,000 currently, as the median sale price reached $400,000. While certain Rust Belt and Sun Belt cities remain accessible, Santa Barbara, California, was identified as the least affordable market, with median prices near $1.85 million. Institutional observations suggest that relocation patterns are influenced by a confluence of factors; for instance, Tax Foundation data indicates a migration toward lower-tax states, although these regions did not feature in the top ten affordability rankings. Academic perspectives from Virginia Tech suggest that while older demographics prioritize tax differentials, younger cohorts are more influenced by urban lifestyle and employment opportunities.

相反地，更廣泛的國家整體情況顯示「負擔能力差距」正在擴大。亞特蘭大聯儲銀行的數據顯示，購買中位價格房屋所需的年收入從 2020 年 1 月的 63,000 美元增加到目前的約 120,000 美元，因為中位售價已達到 400,000 美元。雖然某些鏽帶和陽光帶城市仍然可行，但加州的聖巴巴拉被認定為最不具負擔能力的市場，中位價格接近 185 萬美元。機構觀察表明，遷移模式受多種因素共同影響；例如，稅務基金會的數據顯示人口向低稅州遷移，儘管這些地區並未進入負擔能力前十名。維吉尼亞理工大學的學術觀點指出，年長人口優先考慮稅率差異，而年輕群體則更受城市生活方式和就業機會的影響。

While national homeownership remains challenging due to rising costs, specific cities in Michigan and Arizona offer significant affordability based on income-to-price ratios and low square-foot costs.

儘管由於成本上升，全國購屋依然具有挑戰性，但密西根州和亞利桑那州的特定城市基於收入價格比和低平方英尺成本，提供了顯著的負擔能力。