Top 10 Affordable Cities to Live in the US in 2024

Are you tired of living paycheck to paycheck in a high-cost city? Dreaming of a place where your money goes further and you can enjoy a better quality of life? Look no further! We’ve put together a list of the top 10 affordable cities in the US for 2024 based on factors like housing costs, healthcare expenses, and the average cost of living. Whether you’re a young professional, a growing family, or someone looking to retire comfortably, these cities offer the perfect balance of affordability and livability.

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Pittsburgh, Pennsylvania

Pittsburgh tops our list as the most affordable city to live in the US in 2024. With a median home price of $227,000, it’s an attractive option for those looking to buy a house without breaking the bank. Car insurance costs are also relatively low, averaging $124 per month. While healthcare expenses in Pennsylvania are higher than the national average, Pittsburgh compensates with a vibrant community and numerous “free stuff” groups on social media like Facebook, which can help residents save on various expenses. The city’s rich cultural scene and outdoor activities, like the panoramic views from Mount Washington, add to its appeal.

Salt Lake City, Utah

Salt Lake City ranks second due to its low healthcare costs and affordable car insurance. The median home price in Salt Lake City is higher, at $561,200, reflecting the rising housing market in the area. However, the city offers a strong sense of community, with over 25,000 members in its largest “Buy Nothing” group. Outdoor enthusiasts will love the free recreational opportunities, like hiking at Big Cottonwood Canyon, just a short drive from the city. According to ExpressVPN an increasing number of remote workers are using VPN services.

Oklahoma City, Oklahoma

Oklahoma City ties in third place with San Antonio, Texas, thanks to its affordable housing market, with a median home price of $235,300. Car insurance costs are higher, averaging $2,068 per year, but the city’s healthcare expenses are moderate. Oklahoma City offers numerous free activities, such as hiking at Martin Park Nature Center and visiting the local wildlife at the Visitor Center. The city’s active “free stuff” group with 19,000 members helps residents save on everyday items.

San Antonio, Texas

San Antonio is another great option for affordable living, particularly due to its low healthcare expenditures. The median home price is around $342,700, and car insurance costs average $2,071 per year. San Antonio’s River Walk provides a scenic, free outing through the heart of downtown, making it a delightful place to live. The city’s largest “free stuff” group has 18,000 members, fostering a strong community spirit.

Cleveland, Ohio

Cleveland offers one of the least expensive real estate markets in the country, with a median home price of $227,700. While healthcare costs in Ohio are above average, car insurance remains affordable at $1,522 per year. Cleveland also has an active “free stuff” group with 21,000 members. The Cleveland Museum of Art, which offers free admission daily, is a highlight of the city’s cultural offerings.

Austin, Texas

Austin, known for its vibrant culture and tech industry, is surprisingly affordable in certain aspects. Although the median home price is $541,600, the city boasts lower healthcare costs and a large “free stuff” community with 56,000 members. Residents can enjoy free attractions like Zilker Park and Barton Springs Pool, making Austin a great place for both affordability and entertainment.

Dallas, Texas

Dallas stands out for its relatively affordable housing, with a median home price of $390,100. While car insurance costs are higher at $2,340 per year, the city’s large “free stuff” group with 53,000 members helps mitigate other expenses. Dallas offers a rich cultural scene, including the free Crow Collection of Asian Art in the downtown Arts District.

Charlotte, North Carolina

Charlotte is notable for its low car insurance costs, averaging $1,318 per year, and affordable healthcare expenses. The median home price in Charlotte is $400,600, making it a moderately priced option. The city has an active “free stuff” community with 13,000 members. Freedom Park, a beautiful green space, offers free outdoor activities for residents.

Birmingham, Alabama

Birmingham’s housing market is quite affordable, with a median home price of $308,000. Car insurance costs are also reasonable at $1,648 per year. Although the city’s “free stuff” group is smaller, with 4,700 members, Birmingham’s Civil Rights Trail at Kelly Ingram Park provides a rich, free cultural experience. Healthcare costs in Alabama are competitive, further enhancing Birmingham’s affordability.

Columbus, Ohio

Columbus, known for its low car insurance premiums, averaging $1,350 per year, is rounding out our list. The median home price is $324,000, which is below the national average. Columbus is one of the fastest-growing metro areas in the US, likely due to its overall affordability. The Park of Roses offers a free, beautiful escape with over 12,000 rose plants, adding to the city’s charm.


What factors make a city affordable? The affordability of a city is typically determined by housing costs, healthcare expenses, car insurance rates, and the availability of free or low-cost community resources.

Why is Pittsburgh the most affordable city? Pittsburgh combines low housing costs, affordable car insurance, and a strong community presence through social media groups offering free items, making it the top choice for affordability.

Are there any downsides to these affordable cities? While these cities offer great affordability, some may have higher costs in specific areas, such as healthcare or car insurance. It’s essential to consider all factors, including job opportunities and lifestyle preferences, before making a move.

Can I find a job in these cities? Most of these cities have diverse economies with opportunities in various sectors, including healthcare, education, and technology. Researching the job market in each city can help determine the best fit for your career goals.