美国房地产市场持续升温，但对千禧一代而言，中西部和东南部的一些城市提供了相对可负担的购房机会。研究显示，虽然全国平均房价已突破50万美元，但许多中等规模的都会区，尤其是中西部地区，房价仍低于全国中位数。这些城市不仅为年轻购房者提供了更多选择，也成为他们安家置业的热门目的地。相比之下，西海岸的旧金山和纽约等高成本地区，千禧一代购房比例极低，房价中位数远超全国平均水平，购房难度极大。

📈 **可负担性是关键**：文章指出，全国平均房价高企，但中西部和东南部的一些中等城市为千禧一代提供了更友好的购房环境，其房价中位数普遍低于全国平均水平，为年轻购房者减轻了经济压力。

📊 **城市选择多样**：研究列出的十大最适合千禧一代购房的城市，大多集中在中西部和东南部，例如北卡罗来纳州的罗利、印第安纳州的印第安纳波利斯、俄亥俄州的辛辛那提等。这些城市不仅房价相对较低，也为千禧一代提供了购房机会。

📉 **高成本地区挑战大**：与中西部和东南部形成鲜明对比的是，旧金山和纽约等西海岸大都市的房地产市场对千禧一代来说门槛极高。这些地区的千禧一代购房比例极低，房价中位数高达150万美元以上，远超全国平均水平。

💼 **收入与房价匹配度**：文章还提供了这些城市的千禧一代购房比例、房价中位数以及抵押贷款者的平均收入。例如，罗利的房价中位数为45.5万美元，而抵押贷款者的平均收入为13.8万美元，显示出一定的收入与房价的匹配度。

📍 **市场区域分析**：总体而言，研究强调了中西部地区房地产市场的活跃和相对可负担性，为寻求购房的千禧一代提供了有价值的市场洞察，帮助他们做出更明智的置业决策。

Home prices continue to climb, but some markets still might offer a good deal. For younger homebuyers, some areas of the Southeast and Midwest might be more affordable. These are the 10 most millennial-friendly housing markets.

Adulting could get a little easier, at least in these 10 cities.

As millennials move through their 30s and 40s and prepare to buy a house, they're faced with an increasingly expensive real estate market: the average home in the US sold for over half a million in the second quarter of 2025, at $512,800. The national median price of $435,300 in June was the highest on record.

But some areas of the country are more friendly to first-time, younger homebuyers than others, according to a recent study from SmartAsset.

Many of these areas are mid-sized metros in the Southeast and Midwest. The Midwest in particular has seen a boom in real estate activity in recent months, but remains one of the most affordable homebuying regions in the country, according to a Redfin report from earlier this year.

On the other hand, some of the most difficult places for millennials to buy homes feature the usual suspects — expensive housing markets on the coasts, such as San Francisco and New York City. Fewer than 1% of local millennials purchased a home in those areas in 2024. For those who purchased a house in the San Francisco area, the median millennial property value was a whopping $1,505,000.

Below are the top 10 metro areas where the local millennial population purchased the most homes in 2024, along with the median millennial property value and median income of millennial mortgagor.

For context, the median price of a home sold in the US was $410,800 and the average price is $513,800 in the second quarter of 2025, according to the US Department of Housing and Urban Development. Seven out of the 10 median millennial property values on this list are below the national median. All figures are based on metropolitan statistical areas, which may include surrounding suburbs and cross state lines.