Pittsburgh has been identified as the easiest U.S. city to pay off a mortgage, with the lowest income-to-housing payment ratio of 16.36%. Other affordable cities include Houston, Detroit, and Cleveland, all with ratios below 19.5%. In contrast, California cities like San Jose and San Diego rank as the hardest places to pay off a mortgage, with homeowners spending over 29% of their income on housing. Recent Federal Reserve rate cuts may improve purchasing power, but high home prices and rising interest rates continue to challenge affordability for many buyers.
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