Dreaming of homeownership but don’t want to break the bank? Luckily for you, there are plenty of cities across the U.S. where you can find your ideal home for under $350,000. Whether you’re looking for a property in the middle of a bustling city or one in a quiet town country setting, we’ve got you covered with these 19 picks.
Columbia, South Carolina
If you’re looking for a city with lots of exciting local activities and some delicious, famous barbecue spots, this is the one for you. The median list price of a home in Columbia, South Carolina, is $216,536—way under a $350K budget. This gives you plenty of wiggle room to find the perfect property or take on renovations if needed.
Gulfport, Mississippi
Gulfport, Mississippi, is a charming city next to the coast with lots of entertainment options and a relatively low cost of living. For a coastal city, the housing is surprisingly affordable, with a median list price of $183,145. This means that for $350,000, you can expect to find the perfect property!
Carlsbad, New Mexico
Searching for a scenic city to settle down in? As told by New Mexico True, Carlsbad has tree-lined streets, numerous parks, a municipal beach, and a greenway along the lake, which originated as an oasis. It’s known as the “Pearl of the Pecos” and has a median list price of less than $200,000, which is very affordable.
Ocean Springs, Mississippi
Those who want to experience coastal living should consider Ocean Springs in Mississippi—a beautiful city that will have you feeling like you’re on vacation all year round. The home values in the area have risen nearly 6.3% in the past year, but the median list price is still around $245,000.
Galena, Illinois
The city of Galena has a historical small-town charm with well-preserved 19th-century buildings, making it attractive to both residents and tourists alike. With a median list price of about $250,000, it shouldn’t be too hard to find the perfect house within or under your budget!
Louisville, Kentucky
There’s plenty to see and do in Louisville, Kentucky—a large, vibrant city that also has some pretty affordable homes for sale. You can expect to find a decent property here for between $200–300K, depending on your needs and preferences. Homes are rising in value, however, so be quick!
Trinidad, Colorado
“Nestled in the beautiful Purgatoire River Valley at around 6,010 feet in elevation, Trinidad features a large, hilly historic downtown district,” as per Uncover Colorado. It’s among the most beautiful and affordable cities in Colorado and is surrounded by natural scenery—the perfect place to find your dream home.
Miami, Florida
You’re probably surprised to see Miami on this list considering how expensive it’s known to be, but despite its median list price of $550,000, there are some affordable options available outside of the city center. With some digging, you’ll be able to find your ideal home and experience the great culture of the city.
Dallas, Texas
With a median list price of $435,000, you may think Dallas is out of your league in terms of price—but it’s entirely possible to find a great home here for under $350K if you’re not too bothered about the distance to the center of the city. There’s been a noticeable growth in housing inventory recently, especially in the affordable range.
Hampton, Virginia
Hampton, Virginia, is a great city to call home. It has strong community amenities, a high livability score, relatively low crime rates, and a stable economic environment. Plus, the average home value here is around $233,401, which means you’ll have plenty of options under $350K to choose from.
Des Moines, Iowa
Catch Des Moines says, “As the fastest growing metro in the Midwest, there’s a buzz that permeates every touch point of Iowa’s capital city.” Not yet convinced? Well, when you learn that the average home value here is just $179K, you won’t be able to keep yourself away! The city also has an active cultural scene and growing employment opportunities.
Lynchburg, Virginia
Known for its historic sites and vibrant community life, Lynchburg is a great place to live, and it’s pretty easy to find a lovely house on a budget. There’s plenty to see and do both inside and near the picturesque city, along with strong educational institutions and a growing job market.
Green Bay, Wisconsin
Home of the Green Bay Packers, Green Bay is a sports-centric city with a strong community and lots of outdoor activities to enjoy. Homes here average around $205,000, which isn’t a huge amount, and the city is also pretty affordable to live in compared to other places.
Joliet, Illinois
The average price of a home in Joliet is just $205K, leaving you plenty of wiggle room to make any upgrades or improvements to your property. The city is great itself, with a mix of urban and suburban benefits, but it’s also close to Chicago if you want a new adventure.
Fort Wayne, Indiana
Another city in which you don’t have to drain your bank account to buy a home is Fort Wayne, where the average home value is around $195,000. It’s known for its vibrant downtown and active community life and is increasingly popular for its affordability and quality of life.
Philadelphia, Pennsylvania
Philadelphia is “the first World Heritage City in the USA, where history meets innovation and culture,” as told by Visit The USA. Rich in both history and culture, the city has a vibrant food scene and trendy neighborhoods that are ideal for finding your dream home. While it’s not the cheapest city on this list, it’s affordable in comparison to other major cities.
New Haven, Connecticut
New Haven is a cultural and educational hub not too far away from New York, known for its culinary scene, particularly pizza and seafood. If you’re a foodie, you’ll be happy to hear that the median listing price here is around $330,000—safely under budget!
Jacksonville, Florida
For many, Jacksonville is the ideal city for a vacation—so why not make your whole life one big vacation and find your dream house here? With a $350K budget, it’s estimated that you’ll be able to buy a home of about 2,482 sq ft, which isn’t too bad at all. Get ready to enjoy some coastal living!
Baltimore, Maryland
If you’re after a trendy city with lots to see, do, and eat, then you should start house hunting in Baltimore. With a budget of $350K or less, you’ll be able to find a decently sized home to suit your tastes perfectly.
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