U.S. Metro Housing Market Rankings

August 2026 · 273 metros scored

Each metro scores 0–100 for housing cycle risk, derived from six public-data factors ranked against peers. How it works →

56 of 273metros

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Risk

Cycle

Momentum

Liquidity

Valuation

Permits

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Core Risk					Structural Drivers						Market Signals		Cycle		Context
#↑	Metro	Score	Risk Band	Chg	Price	Permits	Per Cap	Afford	Employ	Migr	Liquidity	Valuation	Diverg.	Cycle	Yield	S/L	Cuts	Emp	Value
8	Madison, WI31540	71	ElevatedElevated	—	79	60	88	23	92	86	Stable↓	Balanced—	Moderate	Recovery	—	—	—	Mod	—	›
Structural Drivers Price79 Permits60 Per Cap88 Afford23 Employ92 Migr86 LiqStable↓ ValBalanced— DivergModerate CycleRecovery Full metro detail →
10	Brownsville, TX15180	70	ElevatedElevated	—	31	67	66	88	86	79	Stable↓	Balanced—	—	Recovery	—	—	—	Con	—	›
Structural Drivers Price31 Permits67 Per Cap66 Afford88 Employ86 Migr79 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
12	Iowa City, IA26980	68	ElevatedElevated	—	62	88	83	7	80	86	Stable↓	Balanced↓	—	Recovery	—	—	—	Con	—	›
Structural Drivers Price62 Permits88 Per Cap83 Afford7 Employ80 Migr86 LiqStable↓ ValBalanced↓ CycleRecovery Full metro detail →
15	Crestview, FL18880	67	ElevatedElevated	—	96	57	94	81	52	24	Stable↓	Balanced—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price96 Permits57 Per Cap94 Afford81 Employ52 Migr24 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
15	Rochester, NY40380	67	ElevatedElevated	—	96	83	13	22	96	94	Stable↓	Balanced—	Moderate	Recovery	—	—	—	Mod	—	›
Structural Drivers Price96 Permits83 Per Cap13 Afford22 Employ96 Migr94 LiqStable↓ ValBalanced— DivergModerate CycleRecovery Full metro detail →
17	Homosassa Springs, FL26140	66	ElevatedElevated	—	68	31	95	100	81	20	Stable↓	Balanced—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price68 Permits31 Per Cap95 Afford100 Employ81 Migr20 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
23	Asheville, NC11700	65	ElevatedElevated	—	54	91	93	99	38	13	Stable↓	Balanced—	Moderate	Recovery	—	—	—	Mod	—	›
Structural Drivers Price54 Permits91 Per Cap93 Afford99 Employ38 Migr13 LiqStable↓ ValBalanced— DivergModerate CycleRecovery Full metro detail →
34	Gainesville, GA23580	62	ElevatedElevated	—	50	76	86	53	85	22	Stable↓	—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price50 Permits76 Per Cap86 Afford53 Employ85 Migr22 LiqStable↓ CycleRecovery Full metro detail →
40	Greenville, NC24780	61	ElevatedElevated	—	10	84	91	56	49	74	Stable↓	Balanced—	—	Recovery	—	—	—	Con	—	›
Structural Drivers Price10 Permits84 Per Cap91 Afford56 Employ49 Migr74 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
48	Memphis, TN-MS-AR32820	60	NeutralNeutral	—	53	75	31	21	80	98	Stable↓	Balanced—	—	Recovery	—	—	—	—	—	›
Structural Drivers Price53 Permits75 Per Cap31 Afford21 Employ80 Migr98 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
54	Janesville, WI27500	59	NeutralNeutral	—	76	73	26	63	77	41	Stable↓	Balanced—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price76 Permits73 Per Cap26 Afford63 Employ77 Migr41 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
60	Warner Robins, GA47580	58	NeutralNeutral	—	67	52	75	7	98	50	Stable↓	Balanced—	—	Recovery	—	—	—	Con	—	›
Structural Drivers Price67 Permits52 Per Cap75 Afford7 Employ98 Migr50 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
60	Fort Wayne, IN23060	58	NeutralNeutral	—	67	64	47	40	56	71	Stable↓	Balanced—	Moderate	Recovery	—	—	—	Con	—	›
Structural Drivers Price67 Permits64 Per Cap47 Afford40 Employ56 Migr71 LiqStable↓ ValBalanced— DivergModerate CycleRecovery Full metro detail →
60	Utica, NY46540	58	NeutralNeutral	—	86	62	5	61	64	73	Watch↓	Balanced—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price86 Permits62 Per Cap5 Afford61 Employ64 Migr73 LiqWatch↓ ValBalanced— CycleRecovery Full metro detail →
72	Charleston, SC16700	57	NeutralNeutral	—	94	43	88	100	15	3	Stable↓	Balanced—	Moderate	Recovery	—	—	—	Div	—	›
Structural Drivers Price94 Permits43 Per Cap88 Afford100 Employ15 Migr3 LiqStable↓ ValBalanced— DivergModerate CycleRecovery Full metro detail →
77	Salinas, CA41500	56	NeutralNeutral	—	78	89	18	45	76	32	Stable↓	Balanced↑	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price78 Permits89 Per Cap18 Afford45 Employ76 Migr32 LiqStable↓ ValBalanced↑ CycleRecovery Full metro detail →
77	Rapid City, SD39660	56	NeutralNeutral	—	39	11	74	94	76	43	Stable↓	Balanced—	Low	Recovery	—	—	—	Con	—	›
Structural Drivers Price39 Permits11 Per Cap74 Afford94 Employ76 Migr43 LiqStable↓ ValBalanced— DivergLow CycleRecovery Full metro detail →
77	Terre Haute, IN45460	56	NeutralNeutral	—	93	63	17	62	43	56	Stable↓	Balanced—	High	Recovery	—	—	—	—	—	›
Structural Drivers Price93 Permits63 Per Cap17 Afford62 Employ43 Migr56 LiqStable↓ ValBalanced— DivergHigh CycleRecovery Full metro detail →
77	Wichita, KS48620	56	NeutralNeutral	—	70	89	71	28	4	72	Stable↓	Balanced—	Moderate	Recovery	—	—	—	Con	—	›
Structural Drivers Price70 Permits89 Per Cap71 Afford28 Employ4 Migr72 LiqStable↓ ValBalanced— DivergModerate CycleRecovery Full metro detail →
96	Boise City, ID14260	54	NeutralNeutral	—	59	51	94	89	23	6	Stable↓	Balanced—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price59 Permits51 Per Cap94 Afford89 Employ23 Migr6 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
96	Bakersfield, CA12540	54	NeutralNeutral	—	15	49	39	66	67	85	Stable↓	Balanced—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price15 Permits49 Per Cap39 Afford66 Employ67 Migr85 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
96	Fort Smith, AR-OK22900	54	NeutralNeutral	—	60	36	29	69	60	68	Stable↓	Balanced—	High	Recovery	—	—	—	Mod	—	›
Structural Drivers Price60 Permits36 Per Cap29 Afford69 Employ60 Migr68 LiqStable↓ ValBalanced— DivergHigh CycleRecovery Full metro detail →
104	Decatur, AL19460	53	NeutralNeutral	—	94	96	31	39	8	50	Stable↓	Balanced—	—	Recovery	—	—	—	Con	—	›
Structural Drivers Price94 Permits96 Per Cap31 Afford39 Employ8 Migr50 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
111	El Paso, TX21340	52	NeutralNeutral	—	48	46	26	72	30	93	Stable↓	Balanced—	—	Recovery	—	—	—	Con	—	›
Structural Drivers Price48 Permits46 Per Cap26 Afford72 Employ30 Migr93 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
128	Cedar Rapids, IA16300	50	NeutralNeutral	—	88	19	40	3	90	63	Stable↓	Balanced—	Moderate	Recovery	—	—	—	Mod	—	›
Structural Drivers Price88 Permits19 Per Cap40 Afford3 Employ90 Migr63 LiqStable↓ ValBalanced— DivergModerate CycleRecovery Full metro detail →
128	Hilton Head Island, SC25940	50	NeutralNeutral	—	52	8	92	77	58	10	Stable↓	Balanced—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price52 Permits8 Per Cap92 Afford77 Employ58 Migr10 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
128	Spokane, WA44060	50	NeutralNeutral	—	16	50	64	62	83	24	Stable↓	Balanced—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price16 Permits50 Per Cap64 Afford62 Employ83 Migr24 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
128	Springfield, MO44180	50	NeutralNeutral	—	70	64	52	48	10	57	Stable↓	Balanced↓	Low	Recovery	—	—	—	—	—	›
Structural Drivers Price70 Permits64 Per Cap52 Afford48 Employ10 Migr57 LiqStable↓ ValBalanced↓ DivergLow CycleRecovery Full metro detail →
128	Yakima, WA49420	50	NeutralNeutral	—	34	58	27	54	45	79	Watch↓	Balanced—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price34 Permits58 Per Cap27 Afford54 Employ45 Migr79 LiqWatch↓ ValBalanced— CycleRecovery Full metro detail →
142	Midland, TX33260	49	NeutralNeutral	—	86	2	57	79	0	68	Stable↓	Compressed—	—	Recovery	—	—	—	Con	—	›
Structural Drivers Price86 Permits2 Per Cap57 Afford79 Employ0 Migr68 LiqStable↓ ValCompressed— CycleRecovery Full metro detail →
142	Montgomery, AL33860	49	NeutralNeutral	—	61	66	23	3	52	90	Stable↓	Balanced—	Low	Recovery	—	—	—	—	—	›
Structural Drivers Price61 Permits66 Per Cap23 Afford3 Employ52 Migr90 LiqStable↓ ValBalanced— DivergLow CycleRecovery Full metro detail →
142	Reading, PA39740	49	NeutralNeutral	—	85	98	10	23	17	60	Stable↓	Balanced—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price85 Permits98 Per Cap10 Afford23 Employ17 Migr60 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
155	Erie, PA21500	48	NeutralNeutral	—	95	4	1	55	57	75	Stable↓	Compressed—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price95 Permits4 Per Cap1 Afford55 Employ57 Migr75 LiqStable↓ ValCompressed— CycleRecovery Full metro detail →
155	Jackson, MS27140	48	NeutralNeutral	—	5	94	36	10	61	85	Stable↓	Balanced—	Low	Recovery	—	—	—	—	—	›
Structural Drivers Price5 Permits94 Per Cap36 Afford10 Employ61 Migr85 LiqStable↓ ValBalanced— DivergLow CycleRecovery Full metro detail →
165	Beaumont, TX13140	47	NeutralNeutral	—	85	28	24	49	13	83	Stable↓	Balanced—	Moderate	Recovery	—	—	—	Mod	—	›
Structural Drivers Price85 Permits28 Per Cap24 Afford49 Employ13 Migr83 LiqStable↓ ValBalanced— DivergModerate CycleRecovery Full metro detail →
174	Charleston, WV16620	46	NeutralNeutral	—	99	6	0	20	85	67	Stable↓	Compressed—	—	Recovery	—	—	—	—	—	›
Structural Drivers Price99 Permits6 Per Cap0 Afford20 Employ85 Migr67 LiqStable↓ ValCompressed— CycleRecovery Full metro detail →
174	Manchester, NH31700	46	NeutralNeutral	—	74	24	12	36	72	55	Stable↓	Balanced—	—	Recovery	—	—	—	Div	—	›
Structural Drivers Price74 Permits24 Per Cap12 Afford36 Employ72 Migr55 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
174	Bloomington, IL14010	46	NeutralNeutral	—	96	1	5	1	92	82	Stable↓	Balanced—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price96 Permits1 Per Cap5 Afford1 Employ92 Migr82 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
174	Peoria, IL37900	46	NeutralNeutral	—	87	59	1	4	64	62	Stable↓	Balanced—	Low	Recovery	—	—	—	—	—	›
Structural Drivers Price87 Permits59 Per Cap1 Afford4 Employ64 Migr62 LiqStable↓ ValBalanced— DivergLow CycleRecovery Full metro detail →
185	Waco, TX47380	45	NeutralNeutral	—	3	33	59	91	43	39	Stable↓	Balanced—	Moderate	Recovery	—	—	—	—	—	›
Structural Drivers Price3 Permits33 Per Cap59 Afford91 Employ43 Migr39 LiqStable↓ ValBalanced— DivergModerate CycleRecovery Full metro detail →
199	Norwich, CT35980	43	NeutralNeutral	—	98	67	14	15	20	42	Stable↓	Balanced—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price98 Permits67 Per Cap14 Afford15 Employ20 Migr42 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
199	Ocala, FL36100	43	NeutralNeutral	—	13	24	98	94	21	9	Stable↓	Balanced—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price13 Permits24 Per Cap98 Afford94 Employ21 Migr9 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
210	Merced, CA32900	42	NeutralNeutral	—	3	42	16	86	40	62	Stable↓	Balanced—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price3 Permits42 Per Cap16 Afford86 Employ40 Migr62 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
210	Albany, NY10580	42	NeutralNeutral	—	89	18	21	17	51	54	Stable↓	—	High	Recovery	—	—	—	Mod	—	›
Structural Drivers Price89 Permits18 Per Cap21 Afford17 Employ51 Migr54 LiqStable↓ DivergHigh CycleRecovery Full metro detail →
210	Toledo, OH45780	42	NeutralNeutral	—	40	21	3	14	85	87	Stable↓	Balanced—	Low	Recovery	—	—	—	Mod	—	›
Structural Drivers Price40 Permits21 Per Cap3 Afford14 Employ85 Migr87 LiqStable↓ ValBalanced— DivergLow CycleRecovery Full metro detail →
210	Lake Charles, LA29340	42	NeutralNeutral	—	88	15	32	30	23	66	Stable↓	Balanced↓	—	Recovery	—	—	—	Con	—	›
Structural Drivers Price88 Permits15 Per Cap32 Afford30 Employ23 Migr66 LiqStable↓ ValBalanced↓ CycleRecovery Full metro detail →
231	Lafayette, LA29180	39	BelowBelow Average	—	42	35	58	57	15	29	Stable↓	Balanced—	Moderate	Recovery	—	—	—	Mod	—	›
Structural Drivers Price42 Permits35 Per Cap58 Afford57 Employ15 Migr29 LiqStable↓ ValBalanced— DivergModerate CycleRecovery Full metro detail →
233	Hagerstown, MD-WV25180	38	BelowBelow Average	—	4	43	62	14	87	20	Stable↓	Balanced—	Low	Recovery	—	—	—	Mod	—	›
Structural Drivers Price4 Permits43 Per Cap62 Afford14 Employ87 Migr20 LiqStable↓ ValBalanced— DivergLow CycleRecovery Full metro detail →
239	Pueblo, CO39380	36	BelowBelow Average	—	7	0	1	88	74	46	Stable↓	Balanced—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price7 Permits0 Per Cap1 Afford88 Employ74 Migr46 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
239	Las Cruces, NM29740	36	BelowBelow Average	—	31	29	42	54	12	50	Stable↓	Balanced—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price31 Permits29 Per Cap42 Afford54 Employ12 Migr50 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
247	Columbia, MO17860	35	BelowBelow Average	—	39	14	57	15	7	76	Stable↓	Balanced—	—	Recovery	—	—	—	—	—	›
Structural Drivers Price39 Permits14 Per Cap57 Afford15 Employ7 Migr76 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
247	Hattiesburg, MS25620	35	BelowBelow Average	—	33	10	1	68	43	53	Stable↓	Balanced—	High	Recovery	—	—	—	Con	—	›
Structural Drivers Price33 Permits10 Per Cap1 Afford68 Employ43 Migr53 LiqStable↓ ValBalanced— DivergHigh CycleRecovery Full metro detail →
263	Kahului, HI27980	29	BelowBelow Average	—	10	3	44	38	11	67	Stable↓	Balanced—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price10 Permits3 Per Cap44 Afford38 Employ11 Migr67 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
268	Stockton, CA44700	26	BelowBelow Average	—	2	16	37	16	76	9	Stable↓	Balanced—	—	Recovery	—	—	—	Div	—	›
Structural Drivers Price2 Permits16 Per Cap37 Afford16 Employ76 Migr9 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
272	Monroe, MI33780	22	BelowBelow Average	—	5	28	9	6	37	45	Stable↓	Balanced↓	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price5 Permits28 Per Cap9 Afford6 Employ37 Migr45 LiqStable↓ ValBalanced↓ CycleRecovery Full metro detail →
273	Vallejo, CA46700	21	BelowBelow Average	—	8	11	11	16	56	25	Stable↓	Balanced—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price8 Permits11 Per Cap11 Afford16 Employ56 Migr25 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →

56 of 273 metros shown