U.S. Metro Housing Market Rankings
December 2025 · 287 metros scored
Each metro scores 0–100 for housing cycle risk, derived from six public-data factors ranked against peers. How it works →
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| Core Risk | Structural Drivers | Market Signals | Cycle | Context | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Metro | Score | Risk Band | Chg | |||||||||||||||||
| 2 | Lafayette, IN | 78 | ElevatedElevated | ▲ 26 | › | |||||||||||||||
Structural Drivers Price61 Permits100 Per Cap99 Afford33 Employ86 Migr88 LiqStress↓ ValBalanced↓ DivergHigh CycleHypersupply | ||||||||||||||||||||
| 5 | Blacksburg, VA | 72 | ElevatedElevated | ▲ 5 | › | |||||||||||||||
Structural Drivers Price94 Permits56 Per Cap32 Afford81 Employ97 Migr70 LiqWatch↑ ValBalanced↑ DivergModerate CycleHypersupply | ||||||||||||||||||||
| 9 | Tallahassee, FL | 68 | ElevatedElevated | ▲ 2 | › | |||||||||||||||
Structural Drivers Price15 Permits75 Per Cap77 Afford71 Employ75 Migr92 LiqWatch— ValBalanced— DivergLow CycleHypersupply | ||||||||||||||||||||
| 19 | Yakima, WA | 66 | ElevatedElevated | ▲ 28 | › | |||||||||||||||
Structural Drivers Price64 Permits94 Per Cap31 Afford58 Employ67 Migr79 LiqStress↓ ValBalanced— CycleHypersupply | ||||||||||||||||||||
| 19 | Portland, ME | 66 | ElevatedElevated | ▲ 6 | › | |||||||||||||||
Structural Drivers Price75 Permits67 Per Cap67 Afford82 Employ95 Migr12 LiqWatch↑ ValCompressed— DivergHigh CycleHypersupply | ||||||||||||||||||||
| 19 | Savannah, GA | 66 | ElevatedElevated | ▼ 4 | › | |||||||||||||||
Structural Drivers Price35 Permits88 Per Cap96 Afford88 Employ56 Migr33 LiqStress↓ ValBalanced— DivergLow CycleHypersupply | ||||||||||||||||||||
| 23 | Visalia, CA | 65 | ElevatedElevated | ▲ 5 | › | |||||||||||||||
Structural Drivers Price51 Permits85 Per Cap48 Afford68 Employ79 Migr58 LiqStress↓ ValBalanced↑ CycleHypersupply | ||||||||||||||||||||
| 28 | Lexington, KY | 62 | ElevatedElevated | ▲ 4 | › | |||||||||||||||
Structural Drivers Price78 Permits48 Per Cap54 Afford67 Employ39 Migr89 LiqWatch— ValBalanced— DivergModerate CycleHypersupply | ||||||||||||||||||||
| 28 | Kingsport, TN-VA | 62 | ElevatedElevated | ▲ 13 | › | |||||||||||||||
Structural Drivers Price55 Permits90 Per Cap39 Afford96 Employ55 Migr40 LiqStress↓ ValBalanced— DivergModerate CycleHypersupply | ||||||||||||||||||||
| 28 | Waco, TX | 62 | ElevatedElevated | ▲ 14 | › | |||||||||||||||
Structural Drivers Price32 Permits90 Per Cap57 Afford91 Employ66 Migr39 LiqStress↓ ValBalanced— DivergModerate CycleHypersupply | ||||||||||||||||||||
| 28 | Madison, WI | 62 | ElevatedElevated | ▼ 1 | › | |||||||||||||||
Structural Drivers Price48 Permits81 Per Cap93 Afford19 Employ45 Migr86 LiqStress— ValBalanced— DivergModerate CycleHypersupply | ||||||||||||||||||||
| 39 | Cincinnati, OH-KY-IN | 60 | NeutralNeutral | ▲ 2 | › | |||||||||||||||
Structural Drivers Price63 Permits64 Per Cap40 Afford11 Employ86 Migr95 LiqWatch↑ ValBalanced— DivergModerate CycleHypersupply | ||||||||||||||||||||
| 39 | Bellingham, WA | 60 | NeutralNeutral | ▼ 4 | › | |||||||||||||||
Structural Drivers Price58 Permits52 Per Cap61 Afford89 Employ77 Migr22 LiqStress↓ ValBalanced— CycleHypersupply | ||||||||||||||||||||
| 40 | Detroit, MI | 60 | NeutralNeutral | ▲ 2 | › | |||||||||||||||
Structural Drivers Price81 Permits84 Per Cap21 Afford14 Employ60 Migr97 LiqWatch— ValBalanced— DivergModerate CycleHypersupply | ||||||||||||||||||||
| 44 | Fort Smith, AR-OK | 59 | NeutralNeutral | ▲ 25 | › | |||||||||||||||
Structural Drivers Price62 Permits81 Per Cap34 Afford76 Employ34 Migr68 LiqWatch↑ ValBalanced↓ DivergHigh CycleHypersupply | ||||||||||||||||||||
| 51 | Knoxville, TN | 58 | NeutralNeutral | ▲ 5 | › | |||||||||||||||
Structural Drivers Price45 Permits85 Per Cap86 Afford92 Employ23 Migr16 LiqStress↓ ValBalanced— DivergModerate CycleHypersupply | ||||||||||||||||||||
| 61 | Homosassa Springs, FL | 57 | NeutralNeutral | ▼ 13 | › | |||||||||||||||
Structural Drivers Price3 Permits36 Per Cap96 Afford100 Employ87 Migr20 LiqStress↓ ValBalanced↓ CycleHypersupply | ||||||||||||||||||||
| 61 | Spartanburg, SC | 57 | NeutralNeutral | ▲ 7 | › | |||||||||||||||
Structural Drivers Price79 Permits77 Per Cap92 Afford66 Employ13 Migr17 LiqWatch↑ ValBalanced— CycleHypersupply | ||||||||||||||||||||
| 61 | Fort Collins, CO | 57 | NeutralNeutral | ▲ 12 | › | |||||||||||||||
Structural Drivers Price28 Permits89 Per Cap73 Afford59 Employ71 Migr21 LiqStress— ValBalanced— CycleHypersupply | ||||||||||||||||||||
| 76 | Jackson, TN | 55 | NeutralNeutral | ▲ 11 | › | |||||||||||||||
Structural Drivers Price68 Permits38 Per Cap25 Afford60 Employ83 Migr56 LiqWatch↑ ValBalanced↑ DivergLow CycleHypersupply | ||||||||||||||||||||
| 76 | Johnson City, TN | 55 | NeutralNeutral | ▼ 8 | › | |||||||||||||||
Structural Drivers Price83 Permits4 Per Cap53 Afford100 Employ22 Migr70 LiqStress↓ ValBalanced↑ DivergHigh CycleHypersupply | ||||||||||||||||||||
| 86 | Grand Junction, CO | 54 | NeutralNeutral | ▲ 3 | › | |||||||||||||||
Structural Drivers Price55 Permits14 Per Cap57 Afford95 Employ77 Migr25 LiqStress↓ ValBalanced— CycleHypersupply | ||||||||||||||||||||
| 97 | Kalamazoo, MI | 53 | NeutralNeutral | ▲ 15 | › | |||||||||||||||
Structural Drivers Price67 Permits79 Per Cap14 Afford32 Employ45 Migr80 LiqWatch↑ ValBalanced— CycleHypersupply | ||||||||||||||||||||
| 97 | Bloomington, IL | 53 | NeutralNeutral | 0 | › | |||||||||||||||
Structural Drivers Price73 Permits63 Per Cap11 Afford1 Employ89 Migr81 LiqWatch↑ ValBalanced— CycleHypersupply | ||||||||||||||||||||
| 97 | Lynchburg, VA | 53 | NeutralNeutral | ▼ 19 | › | |||||||||||||||
Structural Drivers Price46 Permits12 Per Cap51 Afford67 Employ81 Migr62 LiqStress↓ ValBalanced↑ DivergHigh CycleHypersupply | ||||||||||||||||||||
| 97 | Florence, SC | 53 | NeutralNeutral | ▼ 6 | › | |||||||||||||||
Structural Drivers Price62 Permits70 Per Cap55 Afford64 Employ4 Migr64 LiqWatch↑ ValBalanced— CycleHypersupply | ||||||||||||||||||||
| 97 | Saginaw, MI | 53 | NeutralNeutral | ▲ 15 | › | |||||||||||||||
Structural Drivers Price83 Permits72 Per Cap3 Afford27 Employ58 Migr73 LiqStress↓ ValBalanced— CycleHypersupply | ||||||||||||||||||||
| 97 | Colorado Springs, CO | 53 | NeutralNeutral | ▲ 18 | › | |||||||||||||||
Structural Drivers Price22 Permits92 Per Cap80 Afford35 Employ72 Migr18 LiqWatch— ValBalanced— CycleHypersupply | ||||||||||||||||||||
| 104 | Seattle, WA | 53 | NeutralNeutral | ▼ 3 | › | |||||||||||||||
Structural Drivers Price24 Permits32 Per Cap51 Afford44 Employ70 Migr98 LiqWatch— ValBalanced— DivergHigh CycleHypersupply | ||||||||||||||||||||
| 109 | Gainesville, GA | 52 | NeutralNeutral | ▼ 9 | › | |||||||||||||||
Structural Drivers Price66 Permits32 Per Cap80 Afford53 Employ62 Migr22 LiqStress↓ CycleHypersupply | ||||||||||||||||||||
| 109 | Terre Haute, IN | 52 | NeutralNeutral | ▼ 4 | › | |||||||||||||||
Structural Drivers Price65 Permits98 Per Cap18 Afford52 Employ24 Migr55 LiqWatch↑ ValBalanced↓ DivergHigh CycleHypersupply | ||||||||||||||||||||
| 109 | Indianapolis, IN | 52 | NeutralNeutral | 0 | › | |||||||||||||||
Structural Drivers Price49 Permits51 Per Cap67 Afford15 Employ58 Migr70 LiqWatch— ValBalanced— DivergModerate CycleHypersupply | ||||||||||||||||||||
| 123 | Ogden, UT | 51 | NeutralNeutral | ▲ 5 | › | |||||||||||||||
Structural Drivers Price36 Permits71 Per Cap66 Afford41 Employ60 Migr30 LiqWatch— ValBalanced— DivergModerate CycleHypersupply | ||||||||||||||||||||
| 123 | Kennewick, WA | 51 | NeutralNeutral | ▼ 1 | › | |||||||||||||||
Structural Drivers Price58 Permits45 Per Cap74 Afford27 Employ70 Migr34 LiqWatch— ValBalanced— CycleHypersupply | ||||||||||||||||||||
| 123 | St. Cloud, MN | 51 | NeutralNeutral | ▼ 3 | › | |||||||||||||||
Structural Drivers Price19 Permits37 Per Cap44 Afford43 Employ80 Migr85 LiqWatch↑ ValBalanced— CycleHypersupply | ||||||||||||||||||||
| 133 | Fresno, CA | 50 | NeutralNeutral | ▼ 10 | › | |||||||||||||||
Structural Drivers Price35 Permits34 Per Cap36 Afford75 Employ52 Migr71 LiqWatch↑ ValBalanced— CycleHypersupply | ||||||||||||||||||||
| 133 | Evansville, IN | 50 | NeutralNeutral | ▼ 3 | › | |||||||||||||||
Structural Drivers Price52 Permits50 Per Cap37 Afford35 Employ62 Migr63 LiqWatch↑ ValBalanced— DivergModerate CycleHypersupply | ||||||||||||||||||||
| 133 | Midland, TX | 50 | NeutralNeutral | ▼ 13 | › | |||||||||||||||
Structural Drivers Price32 Permits35 Per Cap77 Afford77 Employ11 Migr67 LiqWatch↑ ValBalanced↓ CycleHypersupply | ||||||||||||||||||||
| 133 | Modesto, CA | 50 | NeutralNeutral | ▲ 8 | › | |||||||||||||||
Structural Drivers Price11 Permits73 Per Cap19 Afford65 Employ82 Migr51 LiqWatch— ValBalanced— CycleHypersupply | ||||||||||||||||||||
| 140 | Washington, DC-VA-MD-WV | 50 | NeutralNeutral | ▼ 2 | › | |||||||||||||||
Structural Drivers Price44 Permits21 Per Cap34 Afford2 Employ98 Migr98 LiqStress↓ ValBalanced— DivergModerate CycleHypersupply | ||||||||||||||||||||
| 140 | Boston, MA-NH | 50 | NeutralNeutral | ▼ 8 | › | |||||||||||||||
Structural Drivers Price66 Permits22 Per Cap19 Afford24 Employ72 Migr98 LiqWatch↑ ValBalanced— DivergModerate CycleHypersupply | ||||||||||||||||||||
| 148 | Oxnard, CA | 49 | NeutralNeutral | ▲ 7 | › | |||||||||||||||
Structural Drivers Price26 Permits92 Per Cap19 Afford23 Employ81 Migr51 LiqStress— ValBalanced— CycleHypersupply | ||||||||||||||||||||
| 148 | Burlington, VT | 49 | NeutralNeutral | ▼ 7 | › | |||||||||||||||
Structural Drivers Price29 Permits68 Per Cap64 Afford48 Employ33 Migr54 LiqWatch↑ ValBalanced— DivergHigh CycleHypersupply | ||||||||||||||||||||
| 148 | Ann Arbor, MI | 49 | NeutralNeutral | ▲ 10 | › | |||||||||||||||
Structural Drivers Price30 Permits89 Per Cap49 Afford7 Employ37 Migr81 LiqStress— ValBalanced— CycleHypersupply | ||||||||||||||||||||
| 158 | Waterloo, IA | 48 | NeutralNeutral | ▲ 11 | › | |||||||||||||||
Structural Drivers Price45 Permits69 Per Cap29 Afford43 Employ34 Migr66 LiqWatch↑ ValBalanced— DivergModerate CycleHypersupply | ||||||||||||||||||||
| 158 | Greenville, NC | 48 | NeutralNeutral | ▼ 2 | › | |||||||||||||||
Structural Drivers Price18 Permits48 Per Cap78 Afford57 Employ13 Migr73 LiqStress↓ ValBalanced— CycleHypersupply | ||||||||||||||||||||
| 158 | Wilmington, NC | 48 | NeutralNeutral | ▼ 13 | › | |||||||||||||||
Structural Drivers Price54 Permits33 Per Cap99 Afford87 Employ5 Migr7 LiqStress↓ ValBalanced— DivergModerate CycleHypersupply | ||||||||||||||||||||
| 158 | Greensboro, NC | 48 | NeutralNeutral | ▼ 5 | › | |||||||||||||||
Structural Drivers Price42 Permits17 Per Cap59 Afford46 Employ40 Migr82 LiqStress↓ ValBalanced— DivergHigh CycleHypersupply | ||||||||||||||||||||
| 158 | Fayetteville, AR | 48 | NeutralNeutral | 0 | › | |||||||||||||||
Structural Drivers Price51 Permits71 Per Cap98 Afford56 Employ0 Migr12 LiqStress↓ ValBalanced— DivergHigh CycleHypersupply | ||||||||||||||||||||
| 169 | Spokane, WA | 47 | NeutralNeutral | ▼ 7 | › | |||||||||||||||
Structural Drivers Price24 Permits16 Per Cap60 Afford65 Employ92 Migr24 LiqWatch— ValBalanced— CycleHypersupply | ||||||||||||||||||||
| 169 | Durham, NC | 47 | NeutralNeutral | ▲ 12 | › | |||||||||||||||
Structural Drivers Price57 Permits42 Per Cap83 Afford54 Employ5 Migr40 LiqStress↓ ValBalanced— DivergModerate CycleHypersupply | ||||||||||||||||||||
| 169 | Santa Fe, NM | 47 | NeutralNeutral | ▲ 24 | › | |||||||||||||||
Structural Drivers Price88 Permits98 Per Cap45 Afford15 Employ5 Migr33 LiqWatch↑ ValCompressed— CycleHypersupply | ||||||||||||||||||||
| 169 | Baltimore, MD | 47 | NeutralNeutral | ▲ 3 | › | |||||||||||||||
Structural Drivers Price39 Permits44 Per Cap25 Afford4 Employ69 Migr99 LiqStress— ValBalanced— DivergModerate CycleHypersupply | ||||||||||||||||||||
| 169 | Greeley, CO | 47 | NeutralNeutral | ▲ 1 | › | |||||||||||||||
Structural Drivers Price13 Permits57 Per Cap89 Afford25 Employ90 Migr10 LiqStress— ValBalanced— CycleHypersupply | ||||||||||||||||||||
| 169 | Pueblo, CO | 47 | NeutralNeutral | ▲ 2 | › | |||||||||||||||
Structural Drivers Price30 Permits23 Per Cap9 Afford92 Employ84 Migr45 LiqStress↓ ValBalanced— CycleHypersupply | ||||||||||||||||||||
| 179 | Chattanooga, TN-GA | 46 | NeutralNeutral | ▼ 12 | › | |||||||||||||||
Structural Drivers Price53 Permits24 Per Cap62 Afford83 Employ34 Migr21 LiqWatch↑ ValBalanced— DivergModerate CycleHypersupply | ||||||||||||||||||||
| 179 | Nashville, TN | 46 | NeutralNeutral | ▲ 6 | › | |||||||||||||||
Structural Drivers Price37 Permits47 Per Cap90 Afford80 Employ19 Migr3 LiqWatch— ValBalanced— DivergModerate CycleHypersupply | ||||||||||||||||||||
| 192 | Winston, NC | 45 | NeutralNeutral | ▼ 1 | › | |||||||||||||||
Structural Drivers Price62 Permits25 Per Cap76 Afford58 Employ20 Migr31 LiqStress— ValBalanced— DivergHigh CycleHypersupply | ||||||||||||||||||||
| 192 | Erie, PA | 45 | NeutralNeutral | ▼ 9 | › | |||||||||||||||
Structural Drivers Price100 Permits8 Per Cap4 Afford45 Employ36 Migr75 LiqWatch↑ ValBalanced— CycleHypersupply | ||||||||||||||||||||
| 197 | Las Vegas, NV | 44 | NeutralNeutral | ▼ 2 | › | |||||||||||||||
Structural Drivers Price1 Permits56 Per Cap68 Afford51 Employ89 Migr1 LiqStress↓ ValBalanced↓ CycleHypersupply | ||||||||||||||||||||
| 204 | Ocala, FL | 43 | NeutralNeutral | ▼ 11 | › | |||||||||||||||
Structural Drivers Price1 Permits25 Per Cap97 Afford95 Employ32 Migr9 LiqStress↓ ValBalanced— CycleHypersupply | ||||||||||||||||||||
| 229 | Santa Maria, CA | 40 | BelowBelow Average | ▼ 15 | › | |||||||||||||||
Structural Drivers Price33 Permits46 Per Cap15 Afford72 Employ39 Migr36 LiqWatch— ValBalanced— CycleHypersupply | ||||||||||||||||||||
| 229 | Denver, CO | 40 | BelowBelow Average | ▲ 5 | › | |||||||||||||||
Structural Drivers Price14 Permits54 Per Cap62 Afford45 Employ57 Migr11 LiqWatch— ValBalanced— DivergLow CycleHypersupply | ||||||||||||||||||||
| 239 | Rapid City, SD | 38 | BelowBelow Average | ▼ 16 | › | |||||||||||||||
Structural Drivers Price10 Permits3 Per Cap71 Afford94 Employ6 Migr42 LiqStress↓ ValBalanced— DivergModerate CycleHypersupply | ||||||||||||||||||||
| 258 | Charlotte, NC-SC | 34 | BelowBelow Average | ▼ 4 | › | |||||||||||||||
Structural Drivers Price44 Permits21 Per Cap81 Afford55 Employ1 Migr5 LiqStress↓ ValBalanced— DivergModerate CycleHypersupply | ||||||||||||||||||||
| 262 | Longview, TX | 32 | BelowBelow Average | ▼ 4 | › | |||||||||||||||
Structural Drivers Price38 Permits12 Per Cap2 Afford80 Employ19 Migr44 LiqWatch— ValBalanced— DivergHigh CycleHypersupply | ||||||||||||||||||||
| 265 | Tyler, TX | 30 | BelowBelow Average | ▲ 2 | › | |||||||||||||||
Structural Drivers Price25 Permits26 Per Cap23 Afford44 Employ27 Migr32 LiqStress— ValBalanced— CycleHypersupply | ||||||||||||||||||||
67 of 287 metros shown