U.S. Metro Housing Market Rankings

June 2026 · 274 metros scored

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

48 of 274metros

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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
227	Prescott Valley, AZ39150	40	BelowBelow Average	▼ 8	0	5	66	90	70	11	—	Balanced—	—	Expansion	—	—	—	Mod	—	›
Structural Drivers Price0 Permits5 Per Cap66 Afford90 Employ70 Migr11 ValBalanced— CycleExpansion Full metro detail →
227	Sioux Falls, SD-MN43620	40	BelowBelow Average	▼ 8	34	38	87	32	23	26	Stable↓	Balanced—	—	Recovery	—	—	—	—	—	›
Structural Drivers Price34 Permits38 Per Cap87 Afford32 Employ23 Migr26 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
227	Cedar Rapids, IA16300	40	BelowBelow Average	▼ 12	22	17	40	1	98	63	Stable↓	Balanced—	Moderate	Recovery	—	—	—	Mod	—	›
Structural Drivers Price22 Permits17 Per Cap40 Afford1 Employ98 Migr63 LiqStable↓ ValBalanced— DivergModerate CycleRecovery Full metro detail →
227	St. Cloud, MN41060	40	BelowBelow Average	▼ 6	11	16	38	43	48	85	Stable↓	Balanced↓	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price11 Permits16 Per Cap38 Afford43 Employ48 Migr85 LiqStable↓ ValBalanced↓ CycleRecovery Full metro detail →
231	Jefferson City, MO27620	39	BelowBelow Average	▼ 5	48	49	10	42	30	56	Watch—	Balanced—	Moderate	Hypersupply	—	—	—	—	—	›
Structural Drivers Price48 Permits49 Per Cap10 Afford42 Employ30 Migr56 LiqWatch— ValBalanced— DivergModerate CycleHypersupply Full metro detail →
231	Waterbury, CT47930	39	BelowBelow Average	0	74	15	6	14	83	41	—	—	—	Expansion	—	—	—	Mod	—	›
Structural Drivers Price74 Permits15 Per Cap6 Afford14 Employ83 Migr41 CycleExpansion Full metro detail →
231	Fort Collins, CO22660	39	BelowBelow Average	▼ 3	13	67	73	58	4	21	Stable↓	Balanced—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price13 Permits67 Per Cap73 Afford58 Employ4 Migr21 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
231	Tyler, TX46340	39	BelowBelow Average	▲ 4	40	71	26	44	21	32	Stable↓	Balanced—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price40 Permits71 Per Cap26 Afford44 Employ21 Migr32 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
231	Greeley, CO24540	39	BelowBelow Average	▼ 3	14	74	92	23	19	10	Stable—	Balanced—	—	Recovery	—	—	—	Div	—	›
Structural Drivers Price14 Permits74 Per Cap92 Afford23 Employ19 Migr10 LiqStable— ValBalanced— CycleRecovery Full metro detail →
231	Saginaw, MI40980	39	BelowBelow Average	▼ 1	47	48	3	27	35	73	Stress↑	Balanced↓	—	Recession	—	—	—	Mod	—	›
Structural Drivers Price47 Permits48 Per Cap3 Afford27 Employ35 Migr73 LiqStress↑ ValBalanced↓ CycleRecession Full metro detail →
231	Joplin, MO-KS27900	39	BelowBelow Average	0	10	50	44	64	14	52	Stable—	Balanced—	Moderate	Recovery	—	—	—	Con	—	›
Structural Drivers Price10 Permits50 Per Cap44 Afford64 Employ14 Migr52 LiqStable— ValBalanced— DivergModerate CycleRecovery Full metro detail →
238	Santa Rosa, CA42220	38	BelowBelow Average	▲ 4	22	96	42	12	45	12	Stable↓	Balanced—	—	Recovery	—	—	—	Div	—	›
Structural Drivers Price22 Permits96 Per Cap42 Afford12 Employ45 Migr12 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
239	Little Rock, AR30780	37	BelowBelow Average	▼ 5	36	33	45	22	39	45	Stable↑	Balanced—	Moderate	Expansion	—	—	—	—	—	›
Structural Drivers Price36 Permits33 Per Cap45 Afford22 Employ39 Migr45 LiqStable↑ ValBalanced— DivergModerate CycleExpansion Full metro detail →
239	Albany, NY10580	37	BelowBelow Average	▼ 6	76	8	18	15	50	54	Stable↓	—	High	Recovery	—	—	—	Mod	—	›
Structural Drivers Price76 Permits8 Per Cap18 Afford15 Employ50 Migr54 LiqStable↓ DivergHigh CycleRecovery Full metro detail →
239	Decatur, AL19460	37	BelowBelow Average	▲ 3	4	90	21	31	25	49	Stable—	Balanced↑	—	Expansion	—	—	—	Con	—	›
Structural Drivers Price4 Permits90 Per Cap21 Afford31 Employ25 Migr49 LiqStable— ValBalanced↑ CycleExpansion Full metro detail →
239	Slidell, LA43640	37	BelowBelow Average	▼ 1	61	66	49	4	16	28	—	—	—	Expansion	—	—	—	Mod	—	›
Structural Drivers Price61 Permits66 Per Cap49 Afford4 Employ16 Migr28 CycleExpansion Full metro detail →
239	Erie, PA21500	37	BelowBelow Average	▼ 18	20	20	1	40	67	75	Stable↑	Balanced↓	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price20 Permits20 Per Cap1 Afford40 Employ67 Migr75 LiqStable↑ ValBalanced↓ CycleRecovery Full metro detail →
239	Riverside, CA40140	37	BelowBelow Average	▼ 3	26	34	34	82	40	7	Stable↓	Balanced—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price26 Permits34 Per Cap34 Afford82 Employ40 Migr7 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
245	Akron, OH10420	36	BelowBelow Average	▼ 5	60	5	5	10	49	88	Stable↑	Balanced—	—	Recovery	—	—	—	Div	—	›
Structural Drivers Price60 Permits5 Per Cap5 Afford10 Employ49 Migr88 LiqStable↑ ValBalanced— CycleRecovery Full metro detail →
245	Allentown, PA-NJ10900	36	BelowBelow Average	▼ 1	67	55	27	16	32	21	Stable↓	Balanced—	High	Expansion	—	—	—	Mod	—	›
Structural Drivers Price67 Permits55 Per Cap27 Afford16 Employ32 Migr21 LiqStable↓ ValBalanced— DivergHigh CycleExpansion Full metro detail →
245	Tuscaloosa, AL46220	36	BelowBelow Average	0	11	38	22	60	10	77	Stress—	Balanced—	Moderate	Recession	—	—	—	—	—	›
Structural Drivers Price11 Permits38 Per Cap22 Afford60 Employ10 Migr77 LiqStress— ValBalanced— DivergModerate CycleRecession Full metro detail →
245	Norwich, CT35980	36	BelowBelow Average	▲ 4	57	58	14	11	32	42	Stable↑	Balanced—	—	Expansion	—	—	—	Mod	—	›
Structural Drivers Price57 Permits58 Per Cap14 Afford11 Employ32 Migr42 LiqStable↑ ValBalanced— CycleExpansion Full metro detail →
245	Denver, CO19740	36	BelowBelow Average	▼ 8	15	45	61	41	41	11	Stable↓	Balanced—	Moderate	Recovery	—	—	—	—	—	›
Structural Drivers Price15 Permits45 Per Cap61 Afford41 Employ41 Migr11 LiqStable↓ ValBalanced— DivergModerate CycleRecovery Full metro detail →
250	Reno, NV39900	35	BelowBelow Average	▲ 2	64	18	68	42	10	10	Stable↓	Balanced—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price64 Permits18 Per Cap68 Afford42 Employ10 Migr10 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
250	Lafayette, LA29180	35	BelowBelow Average	▼ 5	1	38	58	47	36	29	Stable—	Balanced—	Moderate	Expansion	—	—	—	Mod	—	›
Structural Drivers Price1 Permits38 Per Cap58 Afford47 Employ36 Migr29 LiqStable— ValBalanced— DivergModerate CycleExpansion Full metro detail →
252	Springfield, IL44100	34	BelowBelow Average	▼ 3	20	13	5	0	97	68	Stable↑	Balanced—	—	Recovery	—	—	—	Con	—	›
Structural Drivers Price20 Permits13 Per Cap5 Afford0 Employ97 Migr68 LiqStable↑ ValBalanced— CycleRecovery Full metro detail →
252	Topeka, KS45820	34	BelowBelow Average	0	8	25	26	21	61	65	Stable↑	Balanced↓	Moderate	Expansion	—	—	—	—	—	›
Structural Drivers Price8 Permits25 Per Cap26 Afford21 Employ61 Migr65 LiqStable↑ ValBalanced↓ DivergModerate CycleExpansion Full metro detail →
252	Macon, GA31420	34	BelowBelow Average	▲ 2	14	27	19	44	57	44	Stable↑	Balanced—	Moderate	Expansion	—	—	—	—	—	›
Structural Drivers Price14 Permits27 Per Cap19 Afford44 Employ57 Migr44 LiqStable↑ ValBalanced— DivergModerate CycleExpansion Full metro detail →
255	Hattiesburg, MS25620	33	BelowBelow Average	▲ 1	0	10	1	60	74	52	Watch↑	Balanced—	High	Hypersupply	—	—	—	Con	—	›
Structural Drivers Price0 Permits10 Per Cap1 Afford60 Employ74 Migr52 LiqWatch↑ ValBalanced— DivergHigh CycleHypersupply Full metro detail →
255	Chambersburg, PA16540	33	BelowBelow Average	▼ 3	12	49	67	25	4	43	Watch↑	Balanced↓	—	Hypersupply	—	—	—	Mod	—	›
Structural Drivers Price12 Permits49 Per Cap67 Afford25 Employ4 Migr43 LiqWatch↑ ValBalanced↓ CycleHypersupply Full metro detail →
255	Las Cruces, NM29740	33	BelowBelow Average	▲ 1	24	23	42	57	3	50	Stress↓	Balanced—	—	Hypersupply	—	—	—	Mod	—	›
Structural Drivers Price24 Permits23 Per Cap42 Afford57 Employ3 Migr50 LiqStress↓ ValBalanced— CycleHypersupply Full metro detail →
258	Columbia, MO17860	32	BelowBelow Average	▼ 5	23	14	56	15	8	76	Stable—	Balanced—	—	Expansion	—	—	—	—	—	›
Structural Drivers Price23 Permits14 Per Cap56 Afford15 Employ8 Migr76 LiqStable— ValBalanced— CycleExpansion Full metro detail →
258	Lancaster, PA29540	32	BelowBelow Average	▼ 1	90	2	16	21	27	37	Stable—	Balanced—	—	Expansion	—	—	—	Div	—	›
Structural Drivers Price90 Permits2 Per Cap16 Afford21 Employ27 Migr37 LiqStable— ValBalanced— CycleExpansion Full metro detail →
258	Monroe, MI33780	32	BelowBelow Average	▼ 6	49	14	8	8	70	45	Stable↑	Balanced↓	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price49 Permits14 Per Cap8 Afford8 Employ70 Migr45 LiqStable↑ ValBalanced↓ CycleRecovery Full metro detail →
258	Raleigh, NC39580	32	BelowBelow Average	▲ 2	24	53	96	6	4	6	Stable↓	Balanced—	Moderate	Recovery	—	—	—	Div	—	›
Structural Drivers Price24 Permits53 Per Cap96 Afford6 Employ4 Migr6 LiqStable↓ ValBalanced— DivergModerate CycleRecovery Full metro detail →
258	Charlotte, NC-SC16740	32	BelowBelow Average	▼ 1	20	18	78	55	13	5	Watch↓	Balanced—	Moderate	Recovery	—	—	—	Mod	—	›
Structural Drivers Price20 Permits18 Per Cap78 Afford55 Employ13 Migr5 LiqWatch↓ ValBalanced— DivergModerate CycleRecovery Full metro detail →
258	Sacramento, CA40900	32	BelowBelow Average	▲ 5	25	44	53	23	37	8	Stable↓	Balanced—	Moderate	Recovery	—	—	—	Mod	—	›
Structural Drivers Price25 Permits44 Per Cap53 Afford23 Employ37 Migr8 LiqStable↓ ValBalanced— DivergModerate CycleRecovery Full metro detail →
264	Austin, TX12420	31	BelowBelow Average	0	7	13	90	66	8	1	Stable↓	Balanced—	Moderate	Recovery	—	—	—	Div	—	›
Structural Drivers Price7 Permits13 Per Cap90 Afford66 Employ8 Migr1 LiqStable↓ ValBalanced— DivergModerate CycleRecovery Full metro detail →
264	Des Moines, IA19780	31	BelowBelow Average	▼ 2	19	10	73	4	54	25	Stable—	Balanced—	High	Recovery	—	—	—	Mod	—	›
Structural Drivers Price19 Permits10 Per Cap73 Afford4 Employ54 Migr25 LiqStable— ValBalanced— DivergHigh CycleRecovery Full metro detail →
266	Lake Charles, LA29340	29	BelowBelow Average	▼ 5	26	3	32	26	20	66	Stable↓	Balanced↓	—	Expansion	—	—	—	Con	—	›
Structural Drivers Price26 Permits3 Per Cap32 Afford26 Employ20 Migr66 LiqStable↓ ValBalanced↓ CycleExpansion Full metro detail →
266	Lexington Park, MD30500	29	BelowBelow Average	▲ 4	12	12	13	0	99	36	—	—	—	Expansion	—	—	—	Mod	—	›
Structural Drivers Price12 Permits12 Per Cap13 Afford0 Employ99 Migr36 CycleExpansion Full metro detail →
268	York, PA49620	28	BelowBelow Average	▼ 6	65	7	29	9	34	24	Stable↓	Balanced—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price65 Permits7 Per Cap29 Afford9 Employ34 Migr24 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
268	Vallejo, CA46700	28	BelowBelow Average	▲ 2	44	4	13	22	63	25	Stable—	Balanced—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price44 Permits4 Per Cap13 Afford22 Employ63 Migr25 LiqStable— ValBalanced— CycleRecovery Full metro detail →
268	San Antonio, TX41700	28	BelowBelow Average	▲ 2	5	12	46	58	41	5	Stable↓	Balanced—	Low	Recovery	—	—	—	Con	—	›
Structural Drivers Price5 Permits12 Per Cap46 Afford58 Employ41 Migr5 LiqStable↓ ValBalanced— DivergLow CycleRecovery Full metro detail →
271	Kahului, HI27980	27	BelowBelow Average	▼ 1	1	8	47	33	7	66	Stable—	Balanced↓	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price1 Permits8 Per Cap47 Afford33 Employ7 Migr66 LiqStable— ValBalanced↓ CycleRecovery Full metro detail →
272	Las Vegas, NV29820	24	BelowBelow Average	▲ 2	15	22	58	48	1	1	Stable↓	Balanced—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price15 Permits22 Per Cap58 Afford48 Employ1 Migr1 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
272	Stockton, CA44700	24	BelowBelow Average	▲ 7	4	11	36	21	65	9	Stable—	Balanced—	—	Recovery	—	—	—	Div	—	›
Structural Drivers Price4 Permits11 Per Cap36 Afford21 Employ65 Migr9 LiqStable— ValBalanced— CycleRecovery Full metro detail →
274	Redding, CA39820	21	BelowBelow Average	▲ 6	36	1	4	44	12	30	Stable↓	Balanced↑	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price36 Permits1 Per Cap4 Afford44 Employ12 Migr30 LiqStable↓ ValBalanced↑ CycleRecovery Full metro detail →

48 of 274 metros shown