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 →

38 of 287metros

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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
2	Lafayette, IN29200	78	ElevatedElevated	▲ 26	61	100	99	33	86	88	Stress↓	Balanced↓	High	Hypersupply	—	—	—	—	—	›
Structural Drivers Price61 Permits100 Per Cap99 Afford33 Employ86 Migr88 LiqStress↓ ValBalanced↓ DivergHigh CycleHypersupply Full metro detail →
3	Abilene, TX10180	76	ElevatedElevated	▲ 30	98	99	72	90	51	47	Stable↓	Balanced↓	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price98 Permits99 Per Cap72 Afford90 Employ51 Migr47 LiqStable↓ ValBalanced↓ CycleRecovery Full metro detail →
4	Gainesville, FL23540	74	ElevatedElevated	▲ 12	23	87	69	98	92	77	Stable↓	Balanced—	Moderate	Recovery	—	—	—	Con	—	›
Structural Drivers Price23 Permits87 Per Cap69 Afford98 Employ92 Migr77 LiqStable↓ ValBalanced— DivergModerate CycleRecovery Full metro detail →
5	Blacksburg, VA13980	72	ElevatedElevated	▲ 5	94	56	32	81	97	70	Watch↑	Balanced↑	Moderate	Hypersupply	—	—	—	—	—	›
Structural Drivers Price94 Permits56 Per Cap32 Afford81 Employ97 Migr70 LiqWatch↑ ValBalanced↑ DivergModerate CycleHypersupply Full metro detail →
6	Appleton, WI11540	70	ElevatedElevated	▲ 21	88	97	58	18	74	84	Stress↑	Balanced—	—	Recession	—	—	—	Mod	—	›
Structural Drivers Price88 Permits97 Per Cap58 Afford18 Employ74 Migr84 LiqStress↑ ValBalanced— CycleRecession Full metro detail →
6	Elkhart, IN21140	70	ElevatedElevated	▲ 8	97	89	33	40	81	78	Stable↓	Balanced—	—	Recovery	—	—	—	Con	—	›
Structural Drivers Price97 Permits89 Per Cap33 Afford40 Employ81 Migr78 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
8	Champaign, IL16580	69	ElevatedElevated	▲ 3	65	92	47	36	82	90	Stress↑	Balanced—	Low	Recession	—	—	—	Mod	—	›
Structural Drivers Price65 Permits92 Per Cap47 Afford36 Employ82 Migr90 LiqStress↑ ValBalanced— DivergLow CycleRecession Full metro detail →
9	Tallahassee, FL45220	68	ElevatedElevated	▲ 2	15	75	77	71	75	92	Watch—	Balanced—	Low	Hypersupply	—	—	—	Con	—	›
Structural Drivers Price15 Permits75 Per Cap77 Afford71 Employ75 Migr92 LiqWatch— ValBalanced— DivergLow CycleHypersupply Full metro detail →
9	Bowling Green, KY14540	68	ElevatedElevated	▼ 2	82	65	84	57	75	46	Stable—	Balanced—	—	Expansion	—	—	—	—	—	›
Structural Drivers Price82 Permits65 Per Cap84 Afford57 Employ75 Migr46 LiqStable— ValBalanced— CycleExpansion Full metro detail →
9	Panama City, FL37460	68	ElevatedElevated	▼ 11	89	25	93	81	95	23	Stable—	Compressed—	—	Expansion	—	—	—	Con	—	›
Structural Drivers Price89 Permits25 Per Cap93 Afford81 Employ95 Migr23 LiqStable— ValCompressed— CycleExpansion Full metro detail →
9	Syracuse, NY45060	68	ElevatedElevated	▲ 11	99	99	41	33	45	91	Stable↓	Compressed—	Moderate	Recovery	—	—	—	Mod	—	›
Structural Drivers Price99 Permits99 Per Cap41 Afford33 Employ45 Migr91 LiqStable↓ ValCompressed— DivergModerate CycleRecovery Full metro detail →
13	Chambersburg, PA16540	67	ElevatedElevated	▲ 13	92	88	71	26	84	43	Stable↓	Compressed—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price92 Permits88 Per Cap71 Afford26 Employ84 Migr43 LiqStable↓ ValCompressed— CycleRecovery Full metro detail →
13	Eau Claire, WI20740	67	ElevatedElevated	▲ 4	85	49	63	81	73	53	Stable↓	Balanced↓	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price85 Permits49 Per Cap63 Afford81 Employ73 Migr53 LiqStable↓ ValBalanced↓ CycleRecovery Full metro detail →
13	Crestview, FL18880	67	ElevatedElevated	▲ 15	93	21	95	79	93	23	Stable↓	Compressed—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price93 Permits21 Per Cap95 Afford79 Employ93 Migr23 LiqStable↓ ValCompressed— CycleRecovery Full metro detail →
13	Atlantic City, NJ12100	67	ElevatedElevated	▼ 1	96	43	51	92	88	33	Stable↓	Balanced↑	—	Recovery	—	—	—	Con	—	›
Structural Drivers Price96 Permits43 Per Cap51 Afford92 Employ88 Migr33 LiqStable↓ ValBalanced↑ CycleRecovery Full metro detail →
13	Olympia, WA36500	67	ElevatedElevated	▲ 21	93	90	66	31	98	23	Stress↑	Balanced—	—	Recession	—	—	—	Con	—	›
Structural Drivers Price93 Permits90 Per Cap66 Afford31 Employ98 Migr23 LiqStress↑ ValBalanced— CycleRecession Full metro detail →
13	Valdosta, GA46660	67	ElevatedElevated	▲ 12	84	35	70	63	98	51	Stress↑	Balanced—	—	Recession	—	—	—	—	—	›
Structural Drivers Price84 Permits35 Per Cap70 Afford63 Employ98 Migr51 LiqStress↑ ValBalanced— CycleRecession Full metro detail →
19	Yakima, WA49420	66	ElevatedElevated	▲ 28	64	94	31	58	67	79	Stress↓	Balanced—	—	Hypersupply	—	—	—	Mod	—	›
Structural Drivers Price64 Permits94 Per Cap31 Afford58 Employ67 Migr79 LiqStress↓ ValBalanced— CycleHypersupply Full metro detail →
19	Portland, ME38860	66	ElevatedElevated	▲ 6	75	67	67	82	95	12	Watch↑	Compressed—	High	Hypersupply	—	—	—	Con	—	›
Structural Drivers Price75 Permits67 Per Cap67 Afford82 Employ95 Migr12 LiqWatch↑ ValCompressed— DivergHigh CycleHypersupply Full metro detail →
19	Savannah, GA42340	66	ElevatedElevated	▼ 4	35	88	96	88	56	33	Stress↓	Balanced—	Low	Hypersupply	—	—	—	Mod	—	›
Structural Drivers Price35 Permits88 Per Cap96 Afford88 Employ56 Migr33 LiqStress↓ ValBalanced— DivergLow CycleHypersupply Full metro detail →
19	Kingston, NY28740	66	ElevatedElevated	▲ 8	98	96	35	88	62	14	Stable↓	Compressed—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price98 Permits96 Per Cap35 Afford88 Employ62 Migr14 LiqStable↓ ValCompressed— CycleRecovery Full metro detail →
23	Fayetteville, NC22180	65	ElevatedElevated	▲ 14	22	77	63	40	94	92	Stable↓	Balanced—	—	Recovery	—	—	—	Con	—	›
Structural Drivers Price22 Permits77 Per Cap63 Afford40 Employ94 Migr92 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
23	Visalia, CA47300	65	ElevatedElevated	▲ 5	51	85	48	68	79	58	Stress↓	Balanced↑	—	Hypersupply	—	—	—	Mod	—	›
Structural Drivers Price51 Permits85 Per Cap48 Afford68 Employ79 Migr58 LiqStress↓ ValBalanced↑ CycleHypersupply Full metro detail →
23	Lincoln, NE30700	65	ElevatedElevated	▲ 11	61	79	76	36	59	79	Stress↑	Balanced—	—	Recession	—	—	—	Mod	—	›
Structural Drivers Price61 Permits79 Per Cap76 Afford36 Employ59 Migr79 LiqStress↑ ValBalanced— CycleRecession Full metro detail →
26	Bangor, ME12620	64	ElevatedElevated	▼ 4	42	66	37	85	95	59	Stress↑	Balanced—	—	Recession	—	—	—	Mod	—	›
Structural Drivers Price42 Permits66 Per Cap37 Afford85 Employ95 Migr59 LiqStress↑ ValBalanced— CycleRecession Full metro detail →
27	Bremerton, WA14740	63	ElevatedElevated	▲ 16	70	91	73	25	99	19	Stable↑	Balanced—	—	Expansion	—	—	—	Con	—	›
Structural Drivers Price70 Permits91 Per Cap73 Afford25 Employ99 Migr19 LiqStable↑ ValBalanced— CycleExpansion Full metro detail →
28	Medford, OR32780	62	ElevatedElevated	▲ 21	47	82	55	78	73	35	Stable↓	Balanced—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price47 Permits82 Per Cap55 Afford78 Employ73 Migr35 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
28	Logan, UT-ID30860	62	ElevatedElevated	▼ 1	43	66	81	79	50	55	Stable↓	Balanced—	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price43 Permits66 Per Cap81 Afford79 Employ50 Migr55 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
28	Lexington, KY30460	62	ElevatedElevated	▲ 4	78	48	54	67	39	89	Watch—	Balanced—	Moderate	Hypersupply	—	—	—	Con	—	›
Structural Drivers Price78 Permits48 Per Cap54 Afford67 Employ39 Migr89 LiqWatch— ValBalanced— DivergModerate CycleHypersupply Full metro detail →
28	La Crosse, WI-MN29100	62	ElevatedElevated	▼ 5	90	87	36	73	23	60	Stable↑	Compressed—	Low	Expansion	—	—	—	Mod	—	›
Structural Drivers Price90 Permits87 Per Cap36 Afford73 Employ23 Migr60 LiqStable↑ ValCompressed— DivergLow CycleExpansion Full metro detail →
28	Kingsport, TN-VA28700	62	ElevatedElevated	▲ 13	55	90	39	96	55	40	Stress↓	Balanced—	Moderate	Hypersupply	—	—	—	Con	—	›
Structural Drivers Price55 Permits90 Per Cap39 Afford96 Employ55 Migr40 LiqStress↓ ValBalanced— DivergModerate CycleHypersupply Full metro detail →
28	Waco, TX47380	62	ElevatedElevated	▲ 14	32	90	57	91	66	39	Stress↓	Balanced—	Moderate	Hypersupply	—	—	—	—	—	›
Structural Drivers Price32 Permits90 Per Cap57 Afford91 Employ66 Migr39 LiqStress↓ ValBalanced— DivergModerate CycleHypersupply Full metro detail →
28	Joplin, MO-KS27900	62	ElevatedElevated	▲ 2	66	41	43	70	97	52	Stable—	Balanced↓	Moderate	Expansion	—	—	—	Con	—	›
Structural Drivers Price66 Permits41 Per Cap43 Afford70 Employ97 Migr52 LiqStable— ValBalanced↓ DivergModerate CycleExpansion Full metro detail →
28	Gulfport, MS25060	62	ElevatedElevated	▲ 3	63	71	84	62	55	39	Stable↑	Balanced—	High	Expansion	—	—	—	Con	—	›
Structural Drivers Price63 Permits71 Per Cap84 Afford62 Employ55 Migr39 LiqStable↑ ValBalanced— DivergHigh CycleExpansion Full metro detail →
28	Madison, WI31540	62	ElevatedElevated	▼ 1	48	81	93	19	45	86	Stress—	Balanced—	Moderate	Hypersupply	—	—	—	Mod	—	›
Structural Drivers Price48 Permits81 Per Cap93 Afford19 Employ45 Migr86 LiqStress— ValBalanced— DivergModerate CycleHypersupply Full metro detail →
37	Hickory, NC25860	61	ElevatedElevated	▲ 1	26	70	86	82	75	29	Watch↓	Balanced↑	High	Recovery	—	—	—	Con	—	›
Structural Drivers Price26 Permits70 Per Cap86 Afford82 Employ75 Migr29 LiqWatch↓ ValBalanced↑ DivergHigh CycleRecovery Full metro detail →
37	Los Angeles, CA31080	61	ElevatedElevated	▲ 4	30	57	22	90	66	99	Stable↓	Balanced—	—	Recovery	—	—	—	Div	—	›
Structural Drivers Price30 Permits57 Per Cap22 Afford90 Employ66 Migr99 LiqStable↓ ValBalanced— CycleRecovery Full metro detail →
37	Laredo, TX29700	61	ElevatedElevated	▲ 5	99	40	60	60	22	84	Stable↑	Compressed↑	—	Recovery	—	—	—	Mod	—	›
Structural Drivers Price99 Permits40 Per Cap60 Afford60 Employ22 Migr84 LiqStable↑ ValCompressed↑ CycleRecovery Full metro detail →

38 of 287 metros shown