10 Best Markets for First-Time Homebuyers in 2026 According to Realtor.com
The idea of buying a first home in 2026 still feels daunting, but Realtor.com’s latest data suggests the window is open wider than many expect. Instead of chasing overheated boomtowns, first-time buyers are finding success in steady markets with realistic prices, usable inventory, and local economies that support ownership. These 10 locations stand out for making the math work without draining the fun out of homeownership.
Rochester, New York
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Affordability is what pushes Rochester to the top of Realtor.com’s 2026 ranking, earning a score of 9.3. The median listing price is $139,900, dramatically under the national median of $399,950. Buyers benefit from a healthy number of active listings, which reduces pressure to waive inspections. Universities, hospitals, and long-standing manufacturing employers mean relatively stable employment, and 25- to 34-year-olds are projected to make up 21.3% of homeowners.
Harrisburg, Pennsylvania
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As the state’s seat of government, Harrisburg’s housing market has stability that some similarly priced cities lack. Realtor.com assigns it a 9.3 score for 2026, with a median listing price of $151,999. Inventory levels remain stronger than much of the Northeast.
Granite City, Illinois
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Granite City claims the lowest median price on the entire list at $119,000, which is massive whichever way you look at it. The city is located just across the Mississippi River from St. Louis and gives residents access to big-city amenities and job markets. The typical 25- to 34-year-old spends just 12.6% of their income on mortgage payments here.
Birmingham, Alabama
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The Magic City continues to prove that it deserves attention from first-time buyers. Birmingham carried over from last year’s top 10. The median listing price is $148,950, which is 20.8% of the typical young buyer’s income. The metro area has a strong economy, thanks to the healthcare, banking, and technology sectors. Residents will appreciate the city’s access to restaurants, nightlife, and cultural attractions.
North Little Rock, Arkansas
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North Little Rock climbed the rankings this year, moving from seventh place in 2025 to fifth in 2026. The reason is its affordability paired with surprising amenities. Proximity also matters as buyers gain access to the state capital. Real estate appreciation forecasts appear promising, too.
Syracuse, New York
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Older housing stock is advantageous to potential buyers in Syracuse, where the median listing price is $169,900. Realtor.com includes the city in its 2026 list due to accessible listings and a cost structure aligned with local incomes. Syracuse University and medical centers help stabilize employment. Many first-time buyers here focus on manageable monthly payments.
Baltimore, Maryland
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Baltimore climbed in this year’s rankings, rising from eighth to seventh place. The city is an exception to the “eastern but not coastal” rule dominating this list. Yes, commute times are longer here, at around 32 minutes, but proximity to job markets creates opportunities. Johns Hopkins University and the Johns Hopkins Hospital mean a relatively stable economy.
St. Louis Park, Minnesota
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Suburban convenience anchors St. Louis Park’s appeal as Realtor.com ranks it highly in 2026 for amenities, economic health, and access to Minneapolis jobs. Home prices in the area are higher than in smaller Midwest cities but remain restrained compared with coastal suburbs. Strong infrastructure and shorter commutes attract buyers planning to stay put. Cold winters are non-negotiable, but residents have access to lakes and outdoor recreation that make the climate trade-off worthwhile.
Pittsburgh, Pennsylvania
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Price stability and a solid inventory are some of Pittsburgh’s selling points. In 2026, the steel city also ranked high thanks to its diversified economy anchored by universities, healthcare systems, and technology employers. Home prices remain below the national median. Carnegie Mellon University and the University of Pittsburgh pump talent into the local economy.
Garfield Heights, Ohio
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Garfield Heights rounds out the top 10 with a median list price of $140,000 and the lowest share of income spent on mortgage payments at just 17.2%. Housing stock leans heavily toward single-family homes, which appeals to buyers seeking space without luxury premiums. Cleveland has been revitalized with a growing food scene and professional sports teams in major and minor leagues. Garfield Heights benefits from this momentum while maintaining lower price points than the city proper.